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Sacramento : Real Estate Advice

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  • Local Info161
  • Home Buying664
  • Home Selling79
  • Market Conditions82

Activity 1,868
Yesterday at 3:50pm
Sheryl Arndt answered:
Hello Toni, you can by zip code. If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Are you looking for rentals or purchase? Do you have down payment and closing costs or do you need down payment and closing cost assistance where you can buy with minimal out of pocket expenses.

The rentals in 95825 zip code start from $670 for 1bd 1ba apt, from $930 for 2bd 1ba apt, from $1,495 for 3bd 2ba apt and ths single family homes start from $1,195 for 2bd 1ba home.

http://www.realtor.com/apartments/95825/type-single-family-home,condo-townhome-row-home-co-op,apartments/affordable

The purchase in 95825 zip code start from 117k for 1bd 1ba condo, from 119k for 3bd 2ba condo and the single family homes start from 157k for 3bd 1ba home.

http://www.realtor.com/realestateandhomes-search/95825/type-single-family-home,condo-townhome-row-home-co-op,farms-ranches,multi-family-home/pnd-hide/sby-1

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Mon Feb 20, 2017
Sheryl Arndt answered:
Hello Joharipennington, it would be up to each individual landlord or rental management company as to the discharged eviction. You did not mention the number of bedrooms or the payment your looking to achieve. You may even qualify to buy with minimum out of pocket expenses and pay less than rent in many local zip codes.

The rentals in Sacramento start from $595 for a studio apt in North Sacramento, from $595 for 2bd 1ba apt in Southwestern Sacramento and the single family homes start from $950 for 2bd 1ba of a duplex in Southwestern Sacramento.

http://www.realtor.com/apartments/Sacramento_CA/price-na-1500/affordable

The purchase in Sacramento start from 59k for 2bd 1ba condo and the single family homes start from 128k for 3bd 2ba home. You may qualify to buy easier than renting if you have two year work history and descent credit scores. You may qualify for down payment and closing costs assistance.

http://www.realtor.com/realestateandhomes-search/Sacramento_CA/type-single-family-home,condo-townhome-row-home-co-op/price-na-150000/pnd-hide/sby-1

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Mon Feb 20, 2017
Scott Godzyk answered:
You should interview with more than 1. Such as a franchise that will offer more training via class and online and have more tools. But fees could be more so compare. You should check with an independent agency that may have less online tools, but teach you as a mentor in the field actually accompanying on appointments. Fees can be less. Compare what you get for what you will pay and decide if you want a small setting or large setting. Either way, start by marketing yourself, get your own web site and build an Active Rain blog, it is free to start and i put a link below. Generate your own leads that are not shared with massive amounts of other agents ... more
0 votes 2 answers Share Flag
Sun Feb 19, 2017
Sheryl Arndt answered:
Hello Linda, they are one in the same. If it is built prior to June 14, 1976 it is very hard to find financing or if it is single wide. Also the financing is harder if it is in a park with space rent. If it is on its own land and has not been moved it may be able to be financed.

Are you looking for a place to buy? Do you have down payment and closing costs saved or do you need down payment and closing costs assistance? You may qualify to buy with minimum out of pocket expenses with down payment and closing cost assistance programs.

The purchase in College/Glen start from 299k for 5bd 3ba single family home. The mobile homes start from 25k for an all cash single wide built in 1970 mobile home in a park with space rent as well.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Wed Feb 15, 2017
Angelica P answered:
Hi,


At this time, unfortunately, we currently do not have listings for rent to own homes. You may try your luck though and search our website using the Keyword section of the search filter which can be found in the All Filters button. However, these listings are extremely rare.



Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Sun Feb 12, 2017
Fanon Hutchins answered:
Hello Susufierce,

As you know, every neighborhood has their issues with crime, and there is an even more enhanced awareness with Social Network sites.
Regarding Home Values in South Natomas. Since 2015 for the month of January, the median home price has been on an incline. (Stats provided reflect the month of January for each year) 2015 the median home price of all homes sold was $190,500. 2016 the median home price was $232,500, and for 2017 the median home price was $275,000. This is an increase of 44.4% since 2015. ... more
0 votes 1 answer Share Flag
Thu Feb 9, 2017
Courtnee Norton asked:
I have been with the same rental company for about two years now. In the time I have been with them, I have lived in two different units. While I was staying in the first unit, I had someone…
0 votes 0 Answers Share Flag
Wed Feb 8, 2017
Saba Chaudhry answered:
how can get Foreclosed or Pre-Foreclosed properties listings as an agent? Do I need to get some sort of certification for it???
0 votes 69 answers Share Flag
Mon Jan 30, 2017
Sheryl Arndt answered:
Hello Stephhcobi, you would probably have to put additional deposits to rent as it would be up to each individual landlord or rental management company. You did not mention the number of bedrooms or the maximum payment you are looking to achieve.

A bankruptcy will affect your credit to purchase for two years so look at your finances closely. You are allowed to have old collections without having to pay them off with FHA financing. If you have more than 2k total in past collections then we would have to add a include a 5% payment factor to your DTI for the non medical collections as medical collection are not counted.

There are 399 rentals in Sacramento from $595 for 2bd 1ba apt and up. Here are all the rentals in Sacramento up to 3k to study and consider. You will have to call and go direct.

http://www.realtor.com/apartments/Sacramento_CA/price-na-2000/affordable

You may be able to qualify to buy easier than renting and with less out of pocket than first, last and security. The eviction time frame is fine to qualify to buy as long as it is not a judgement and if it is it would have to be in payment arrangements for 3 months to qualify FHA.

The purchase in Sacramento start from 68k for 2bd 1ba condo and there are 114 purchase available under 200k with low payments. You may qualify to buy with less than first, last and security and pay less than rent.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you are buying a primary residence you could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
Sat Jan 28, 2017
Lauren E Jones answered:
Usually it takes 60 days to show. But it's always best to pay it so you don't end up in bad areas.
0 votes 1 answer Share Flag
Sat Jan 28, 2017
Lauren E Jones answered:
It depends on the area in Del Paso Heights. I would stay away from the Grand Avenue area. Stay away from Strawberry Manor also, as well as Nogales. There is alot of gang activity in general, and the likelihood of getting decent renters long term isn't really there. You will probably get alot of people like myself with poor credit. However, there is alot of drug activity as well. I lived in Del Paso Heights for 7 years, and will never go back. The only good part of Del Paso Heights I can think of is near Northwood Elementary, and near Morey Avenue School. It's really just hit and miss in the area. ... more
0 votes 1 answer Share Flag
Sat Jan 28, 2017
Lauren E Jones asked:
We paid 188k, in cash for a modular home to be built and put onto a nice lot with land. It is near a levee, and with recent flooding, we decided that is too much of a risk to the safety…
0 votes 0 Answers Share Flag
Sat Jan 28, 2017
Lauren E Jones asked:
We paid cash to have a modular home built and put on a property. But, the property is 3 blocks from a levee. With the recent rain storms, the levee almost flooded it's banks, as well as…
0 votes 0 Answers Share Flag
Thu Jan 26, 2017
Sheryl Arndt answered:
Hello Priscilla, you are probably going to have to put additional deposit if you had an eviction. It will be up to each individual rental landlord or rental management company. I am only licensed in California and don't do rentals but can furnish you rental links to call and go direct.

Here are all rentals in Sacramento starting from $620 for a studio apt, $690 for 1bd 1ba apt and up to 3k to study, compare and call and go direct.

http://www.realtor.com/apartments/Sacramento_CA/type-apartments,single-family-home,condo-townhome-row-home-co-op/price-na-3000

You may even find it easier to qualify to buy than rent and be able to buy with less out of pocket and pay less than rent.

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 417k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 417k.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Tue Jan 24, 2017
Derek Jones answered:
Many neighborhoods in the Sacramento area have rules or codes against the parking of motorhomes.
0 votes 1 answer Share Flag
Tue Jan 24, 2017
Tom Nunes asked:
The 2 properties that are not my listings but show up on my listing page are on Heater Gate and 9th ave.
0 votes 0 Answers Share Flag
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