Category: Featured Properties for Sale

Featured Homes for Sale listed by Clarence Oliveira

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1394 Pajaro Avenue #24, Manteca, 2 bed/2 bath/1,023sqft

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Property Overview

PRICE CHANGE $359,900 – Be an Owner of Your New Home! Pajaro #24 is Calling our Name. Approx. 1023sf dwelling with 2 Bedrooms and 2 Full Baths. Deep 2 Car Garage with Laundry Area. Newer Microwave, Newer Dishwasher, Newer Paint, Newer Fence, Newer Garage door opener, Newer Plumbing Fixtures, and More. Master Bedroom has a Walk-in closet and a Shower Stall. Super Clean and Ready to move into.

Property Features

Bedrooms

  • Bedrooms: 2

Appliances

  • Equipment: Gas Water Heater, Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: Hookups Only, In Garage

Heating and Cooling

  • Cooling Features: Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Tub w/Shower Over

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Laminate

Kitchen and Dining

  • Dining Room Description: Space in the Kitchen
  • Kitchen Features: Tile Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Land Info

  • Lot Description: Landscape Front
  • Lot Size Acres: 0.0603
  • Lot Size Dimensions: Approx. 2625sf
  • Lot Size Square Feet: 2627

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-06
  • Postal Code Plus 4: 2719
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Direction Faces: West
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description: Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater
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1394 Pajaro Ave. #19, Manteca, 3bd/2bth/1323sf

1394 Pajaro Ave. #19, Manteca

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Property Overview

$409,900 – Welcome to Pajaro #19. Approx. 1323sf with 3 Bedrooms and 2 Full Baths. This home Features Newer Floors, Newer Granite Counters, Newer Laminate Flooring, Updated Bathrooms, Newer Carpet, Newer Backyard Landscaping, and Newer Water heater. Master Bedroom has a Walk-in Closet. 2 Car Garage with Laundry. A Must See.

Property Features

Bedrooms

  • Bedrooms: 3

Appliances

  • Equipment: Dishwasher, Disposal, Free Standing Electric Oven
  • Laundry Facilities: In Garage

Heating and Cooling

  • Cooling Features: Ceiling Fan(s), Central
  • Fireplace Features: Family Room
  • Heating Features: Central
  • Number of Fireplaces: 1

Bathrooms

  • Full Bathrooms: 2
  • Bathroom 1 Features: Tub w/Shower Over

Interior Features

  • Interior Amenities: Main Level : Bedroom(s), Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Street Entrance
  • Flooring: Carpet, Laminate

Kitchen and Dining

  • Dining Room Description: Space in Kitchen
  • Kitchen Features: Granite Counter

Pool and Spa

  • Pool Features: Pool Type: Built-In, Common Facility

Exterior and Lot Features

  • Fencing: Back Yard

Land Info

  • Lot Description: Landscape Back, Landscape Front
  • Lot Size Acres: 0.0627
  • Lot Size Dimensions: Approx. 2730sf
  • Lot Size Square Feet: 2731

Garage and Parking

  • Garage Spaces: 2
  • Garage Description: Attached, Garage Door Opener, Garage Facing Front

Amenities and Community Features

  • Pool
  • Greenbelt
  • Trails
  • Park

Homeowners Association

  • Association: Yes
  • Association Fee: 130
  • Association Fee Includes: Management, Common Areas, Pool, Road
  • Calculated Total Monthly Association Fees: 130

School Information

  • School District: San Joaquin

Other Property Info

  • Source Listing Status: Active
  • County: San Joaquin
  • Cross Street: Northgate
  • Directions: N. Union, Go East on Northgate Rd, South onto Pajaro Ave.
  • Source Property Type: Residential
  • Area: Manteca North
  • Source Neighborhood: 20503
  • Parcel Number: 216-230-01
  • Postal Code Plus 4: 2718
  • Zoning: RES
  • Property Subtype: Halfplex
  • Source System Name: C2C

Utilities

  • Electric: 220 Volts
  • Sewer: Public Sewer
  • Public
  • Water Source: Public

Building and Construction

  • Year Built: 1979
  • Construction Materials: Frame, Wood
  • Foundation Details: Slab
  • Living Area Source: Assessor Auto-Fill
  • Property Age: 44
  • Roof: Roof Description:Composition
  • Levels or Stories: 1
  • Structure Type: Attached, Planned Unit Develop
  • House Style: Ranch

Home Features

  • Security Features: Carbon Mon Detector, Double Strapped Water Heater
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1318 S Washington Rd. Turlock, 19.79ac

1318 S Washington Rd. Turlock

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$2,800,000 –19.79 Ac Industrial, Industrial Ground. This Acreage is 19.79 Acres in Turlock. This Parcel sits in the City Limits and lies within the Western Industrial Specific Plan (WISP). The City of Turlock has performed the EIR for this expanded area. There are Two other Neighboring Parcels (same owner) that are For Sale, too.

    • Distance To Electric Electricity To Site
    • Distance To Phone Service Phone To Site
    • Distance To Water Public Over 500 Ft
    • Horse Property No
    • Irrigation Public District, Shared Pipeline
    • Lot Features Shape Regular
    • Lot Size Acres 19.79
    • Lot Size Dimensions Approx. 19.79 acres
    • Lot Size Square Feet 862052.00
    • Lot Size Source Assessor Auto-Fill
    • Road Frontage Type City Street
    • Vegetation Crop(s)
  • Road Responsibility Public Maintained Road
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1400 S Washington Rd. Turlock, 19.2ac

1400 S Washington Rd, Turlock

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  • Distance To Electric Electricity To Site
  • Distance To Sewer Septic At Site
  • Distance To Water Public Over 500 Ft
  • Horse Property No
  • Irrigation Public District, District, Shared Pipeline
  • Lot Features Shape Regular, Other
  • Lot Size Acres 19.2
  • Lot Size Dimensions Approx. 19.2
  • Lot Size Square Feet 836352.00
  • Lot Size Source Assessor Auto-Fill
  • Road Frontage Type City Street
  • Vegetation Other

 

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4207 W Linwood Avenue, Turlock, 118.43ac

4207 W Linwood Avenue, Turlock

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$15,395,900 – 118.43 Acres In INDUSTRIAL ZONING in Turlock. This Parcel sits in the City Limits and in the WISP Planned Development. Very close to City Services and Minutes from Highway, Freeway, and Ports. Located near Large Manufacturing, Commercial, and Industrial related Businesses. User Friendly and Benefits from this Planned Development.

  • Electricity To Site
  • Septic At Site
  • Public Over 500 Ft
  • Irrigation Public
  • Lot Size Acres 118.43
  • Lot Size Dimensions Approx. 118.43 Acres
  • Lot Size Square Feet 5158811.00
  • Lot Size Source Owner
  • Vegetation Crop(s)
  • Road Responsibility Public Maintained Road
  • Road Surface Type Paved

 

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What Credit Score Do You Need to Buy a House?

What Credit Score Do You Need to Buy a House

The lender and the type of loan you choose determine the credit score you need for a mortgage.

Mortgage lenders consider your credit score a measure of your ability to responsibly manage debt. The higher your credit score, the better your chances of being approved for a home loan, and vice versa. Having good credit can also make it possible to qualify for a mortgage with more competitive terms, like a lower interest rate.

The minimum credit score you need to buy a home depends on the type of mortgage you plan to borrow. A conventional mortgage usually requires a credit score of at least 620, but it may be possible to qualify for a government-backed loan with a score as low as 500.

However, just because you’ve reached the minimum credit score to borrow a mortgage doesn’t necessarily mean you’ll meet all the other eligibility requirements. And generally, having a higher credit score will help you qualify for a home loan with a lower mortgage rate, so it’s important to work on improving your credit score well in advance of buying a home.

Minimum Credit Score Requirements by Loan Type

Mortgage credit score requirements vary based on a number of factors, including the loan type, amount and lender.

Conventional conforming loans, which are not backed by a government agency, require a minimum credit score of 620 in order to meet the criteria to be purchased by Fannie Mae and Freddie Mac. Jumbo loans that exceed the conforming loan limits have stricter eligibility requirements for credit score, down payment and income.

Meanwhile, government-backed mortgages are insured by a federal agency, such as the Federal Housing Administration, the Department of Agriculture or the Department of Veterans Affairs. This government guarantee protects the lender if you default on your mortgage, which translates to less stringent credit score requirements.

You can see minimum credit score criteria by mortgage type in the table below.

MINIMUM CREDIT SCORE WHO CAN BENEFIT
Conventional loan 620 for fixed-rate loans; 640 for adjustable-rate mortgages; lenders may have stricter requirements. Well-qualified buyers seeking a traditional mortgage.
FHA loan 580 with a 3.5% down payment; 500 with a 10% down payment. Homebuyers with fair credit and small down payments.
USDA loan No set minimum; borrowers with a score of 640 or higher may qualify for a streamlined credit analysis. Qualified buyers purchasing homes in designated rural areas.
VA loan No set minimum; lenders may require a score of at least 580. Active-duty and retired military personnel who are buying or refinancing a home.
Jumbo loan 700, depending on the lender; higher loan amounts may require stronger credit scores. Buyers borrowing a mortgage that exceeds the conforming loan limit.

Why Credit Score Matters When Buying a Home

In general, having a higher credit score makes it possible to qualify for better loan repayment terms, such as a lower mortgage rate. This is true regardless of which type of mortgage you decide to borrow.

For conventional loans, your credit score directly correlates to the mortgage rate you pay through loan-level price adjustments. Borrowers with a FICO credit score above 780 and a down payment of at least 40% will see the lowest possible financing charges, while those with a score below 640 could see the highest rates available.

Even a small difference in your mortgage rate can translate to thousands of dollars in savings over the life of the loan. On a $250,000 30-year loan with a 6% mortgage rate, you can expect to pay $289,595 in interest charges over the duration of the loan. With a rate increase of just a 0.25 percentage point, you’d pay an extra $14,550 in interest by the time the loan is fully repaid.

A lower mortgage interest rate can also help you save money in your monthly budget. The monthly principal and interest payment on the same loan at 6% would be $1,499, compared with $1,539 at a 6.25% rate.

Other Eligibility Criteria for Getting a Mortgage

Your credit score is just one measure of your financial health, and it’s not the only factor mortgage lenders will consider when determining your eligibility for a home loan. Here are some additional criteria that affect your chances of mortgage approval:

  • Debt-to-income ratio, which is your total monthly bills divided by your gross monthly income. Having a DTI ratio of 43% or higher may make it more difficult to qualify for a mortgage.
  • Loan-to-value ratio, which is the loan amount divided by the house purchase price. If you have a higher down payment, your LTV ratio will be lower, and vice versa.
  • Negative credit history, such as defaulted loans, foreclosure or bankruptcy. For example, you need to wait two years after bankruptcy to apply for an FHA loan.
  • Liquid assets, such as savings and investment accounts. This is particularly important for jumbo loan borrowers who are buying multi-million-dollar homes.
  • Profits and losses, if you own a business. This can help measure your likelihood of repaying a mortgage as a self-employed individual.

How to Prepare Your Credit Score for Buying a Home

If your credit score is holding your back from buying a home, you should start building better credit now. If you have bad credit, it could take months or a year to get your credit in shape to qualify for a mortgage. Here are a few steps to help improve your credit score before applying for a home loan.

1. Check Your Credit Score and Report

Before you can come up with a plan to boost your credit score, you’ll need to find out where you currently stand. Many banks and third-party financial apps let you check your FICO score for free without damaging your credit.

You should also get a copy of your credit report from all three credit bureaus – Equifax, Experian and TransUnion – on www.AnnualCreditReport.com. Your credit report provides an in-depth look into your financial history, including your outstanding debts, total accounts and on-time payment record. If you find errors on your credit report, dispute them with the bureau directly.

2. Find Areas for Improving Your Credit Score

With your credit report and scores in hand, look for areas where you can make improvements before you apply for a mortgage. Here are a few common credit issues and how to resolve them:

Poor on-time payment history: Enroll in automatic payments for credit cards, auto loans and other bills. Additionally, make sure any bills you pay each month (such as rent or buy now, pay later installments) are reported to the credit bureaus.

High credit utilization: Pay down your credit card balances. You can also request a credit line increase, but make sure not to rack up more debt just because your limit is higher.

Low age of credit: Keep older, well-established accounts open. If you have a credit card account that you never use, consider charging it once every few months and paying off the balance to keep it active.

3. Avoid Applying for New Credit While You Shop for a Home

Opening a new account, such as a credit card or auto loan, lowers your average age of credit and results in a hard credit inquiry that can lower your score by a few points. Importantly, applying for new credit after you’ve already been preapproved for a mortgage can pose big issues during the underwriting process.

Source: money.usnews.com ~ By Erika Giovanetti ~ Image: Canva Pro

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SOLD – 99 California Ave. Modesto, Land, 98.98ac

SOLD

West Modesto has Approx. 98.98 Acres of Ag Land For Sale!! Almonds in the MID District. Butte/Padres Planted in 2008-2009 on Double Line Drip. 40 Hp Booster Pump accessing through it’s own Private (21 inch) Irrigation Line to MID Gate/Canal. These two parcels irrigate in One Set through pumping system. Great Water, Great Soils, and Great location…. These Parcel could be Sold Separately.

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42 Monte Vista Avenue, Denair, Ag & Ranch Land for Sale 42.8068ac

42 Monte Vista Avenue, Denair

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Build your Home on this HOME SITE!! Surrounded by Orchards. Approx, 33 acres of Independence Almond Trees on Drip and Micro-Sprinklers, Planted in 2022 on 22×13 Spacing, Viking Root Stock. Also, Another 6 Acres of Butte (50%), Padre (16.7%), and Livingston (33.3%) Almond Trees planted in 2001, 18×18 Spacing, Nemaguard Root Stock, on Micro-Sprinklers and Drip. Both Blocks irrigate through the Neighboring Family Orchards through Booster Pumps off the TID Main Canal (Class 2) and 3 Irrigation Wells, Easement to be established prior to the closing of Escrow. Multiple and Adjacent Neighboring Orchard Properties are For Sale, too.

    • County: Stanislaus
    • MLS Area: 20306
    • Cross Street: Hall Road
    • Census Tract: 36.07
    • Directions: Highway 99 to Monte Vista-East into Denair. Take Monte Vista (east) passed Hall Road, on the right side 1/4 of Mile. (Borders the Creek, No Sign)
    • Septic or Sewer: None
    • Water: Agricultural Well
    • Utilities: Public
    • Crops: Almond
    • Irrigation: Shared Pipeline, Drip System, Micro Sprinklers, See R
    • Vegetation: Crop(s), Orchard
    • Is a Horse Property: No
    • Topography: Gently Sloped, Hilltop, Trees
    • Elevation: 0
    • Number of Lots: 0
    • Lot Size in Acres: 42.807
    • Lot Size in Sq. Ft.: 1,864,664
    • Present Use: Agricultural, Orchard
    • Best Use: Agricultural, Residential, Single Family, Orchard
    • Zoning: Agricultural, Single-Family
    • Development Status: Farm Land
    • School District: Stanislaus
    • Elementary School: Denair Unified
    • Jr. High School: Denair Unified
    • High School: Denair Unified
    • Property Type: LL
    • Property Subtype: Agriculture
    • APN: 024-005-014-000
    • Status: Active
    • Special Listing Conditions: None
    • Commission to Buyer Broker: 2%
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3718 W Tuolumne Rd. Turlock, Land – 39.39ac

3718 W Tuolumne Rd. Turlock

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$5,000,000 – West Turlock. From this Property, You can SEE Amazon, Costco, Highway 99, and the Growth of Turlock. Furthermore, it is Located in the City of Turlock’s Urban Reserve Mapping. Currently being Farmed in Almonds. House, Garage, and Outbuildings. TID Power, TID Irrigation District, and Ag well of 25hp. Ag is pumping approx. 400gpm, 2 sets into orchard, and TID Flood water available. Approx. 24 Acres of Almonds, Nonpareil and Aldrich, Planted in 2011, 20×15 Spacing. Approx. 13 acres of Butte and Padre, 22×12 Spacing, Planted in 2001. Perfect Location for a Ag Business, Planned Development, and/or Investment. A Must See!!

Exterior and Lot Features

  • Road Frontage Type: County Road

Land Info

  • Lot Size Acres: 39.39
  • Lot Size Dimensions: Approx. 39.39
  • Topography: Trees
  • Vegetation: Orchard
  • Lot Size Square Feet: 1715828
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10880 E Monte Vista Ave. Denair, 4bd | 5ba | 3,136sf | 39.62ac

10880 E Monte Vista Ave, Denair

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Price Change $2,375,000 – Big Custom Home of 3136sf with Almost 40 Acres, On a Hilltop with Views!! One Owner, Custom Built for their Family with Multiple Features, Upgrades, and Design. Magnificent Floor Plan with 4 Bedrooms with 5 full Baths (One Bedroom and Full Bath Downstairs). Tile Roof, Stucco Eaves, Hardwood Floors, Water Softener, Central Vacuum, Stainless Steel Appliances, Setup for Two Refrigerators in Kitchen, and More. Upstairs has a Large Loft/Game Room with Appliances, Balcony, and Suitable for the 5th Bedroom. Master Bedroom has Two Walk-in Closets. Furthermore, there are 2 Junior Suites Upstairs with their own Full Bathrooms, for all of the Family Conveniences. Backyard is like a Park-Like Setting, Fenced, Patios, Pool, Grass, and Ready to Party!! Orchards-Approx, 26 acres of Independence Almond Trees on Drip and Micro-Sprinklers, Planted in 2022 on 22×13 Spacing, Viking Root Stock. Also, Another 12 Acres of Butte (50%), Padre (16.7%), and Livingston (33.3%) Almond Trees planted in 2001, 18×18 Spacing, Nemaguard Root Stock, on Micro-Sprinklers and Drip. A Must See! Irrigation Ag Wells and TID Class 2.

Property features
Bedrooms
Bedrooms: 4
Bedrooms Possible: 5
Primary Bedroom Features: Walk-In Closet, Outside Access
Appliances
Equipment: Built-In Electric Oven, Built-In Electric Range, Dishwasher, Disposal, Free Standing Electric Range
Laundry Facilities: Cabinets, Sink, Inside Room
Other Rooms
Loft, Bonus Room, Family Room, Great Room, Kitchen, Laundry, Living Room
Living Room Features: Cathedral/Vaulted, Great Room
Heating and Cooling
Cooling Features: Ceiling Fan(s), Central, MultiUnits
Heating Features: Central, MultiUnits
Bathrooms
Full Bathrooms: 5
Primary Bathroom Features: Shower Stall(s), Double Sinks, Tub, Walk-In Closet, Walk-In Closet 2+
Bathroom 1 Features: Double Sinks, Tile, Tub w/Shower Over
Interior Features
Interior Amenities: Lower Level : Bedroom(s), Living Room, Dining Room, Family Room, Full Bath(s), Garage, Kitchen, Main Level : Bedroom(s), Living Room, Dining Room, Family Room, Master Bedroom, Full Bath(s), Garage, Kitchen, Upper Level : Bedroom(s), Loft, Master Bedroom
Flooring: Carpet, Laminate, Wood
Kitchen and Dining
Dining Room Description: Breakfast Nook, Dining Bar, Dining/Family Combo, Formal Area
Kitchen Features: Butlers Pantry, Island, Island w/Sink, Kitchen/Family Combo, Tile Counter
Pool and Spa
Pool Features: Pool Type: Built-In, Fenced
Land Info
Lot Description: Auto Sprinkler F&R, Shape Irregular
Lot Size Acres: 39.62
Lot Size Dimensions: Approx. 39.62 acres
Topography: Trees Many
Lot Size Square Feet: 1725847
Garage and Parking
Garage Spaces: 3
Garage Description: Garage Door Opener, Garage Facing Front
Home Features
View: Orchard, Panoramic, Valley, Hills
Security Features: Carbon Mon Detector, Double Strapped Water Heater
Homeowners Association
Association: No
Calculated Total Monthly Association Fees: 0
School Information
School District: Stanislaus
Other Property Info
Source Listing Status: Active
County: Stanislaus
Cross Street: Hall Road
Directions: Highway 99 to Monte Vista-East into Denair. Take Monte Vista (east) passed Hall Road, on the right side 1/4 of Mile.
Source Property Type: Residential
Area: Turlock Rural E of Hwy 99 So of
Source Neighborhood: 20306
Parcel Number: 024-005-013-000
Postal Code Plus 4: 9644
Zoning: RES/AG
Property Subtype: Single Family Residence
Source System Name: C2C
Farm Info
Irrigation Source: Irrigation Connected
Utilities
Electric: 220 Volts
Sewer: Sewer Connected, In & Connected, Septic System
Cable Connected
Propane Tank Leased
Electric
Water Source: Well, Public, Shared Well
Building and Construction
Year Built: 1998
Construction Materials: Stucco, Frame, Wood
Direction Faces: North
Foundation Details: Concrete
Living Area Source: Assessor Auto-Fill
Property Age: 25
Roof: Roof Description:Composition, Tile
Levels or Stories: 2
Structure Type: Custom, Ranchette/Country
House Style: Ranch

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