02886 : Advice

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Trulia Custo…, Real Estate Pro in San Francisco, CA
Trulia Customer Service answered:
How do I delete my listing?
Hi Vince,

Thanks for contacting Trulia regarding getting your listing removed. Unfortunately, we didn't get enough information to solve the issue, but if you can please provide us wi ... more
0 votes Share Flag Fri Dec 19, 2014 Using Trulia in 02886
Rhode Island…, Real Estate Pro in Providence, RI
Rhode Island Realty answered:
Is it illegal for a landlord to ask for first and last month's rent plus security when renting?
Under section III, the law CLEARLY states:

3. LANDLORD RESPONSIBILITIES
Security Deposits and Other Prepayments
"Separate amounts of money can be requested from a new tenant for pr ... more
0 votes Share Flag Mon Dec 8, 2014 Rental Basics in 02886
Christopher…, Real Estate Pro in 10591
Christopher Pagli - ABR, GREEN answered:
What do you do if the agent you're working with isn't doing much to help you find a home and doesn't seem to know what he's doing?
Have a conversation with them and discuss your concerns. If an agent doesn't know that there is an issue they won't correct it. If you are really u comfortable after that then sever t ... more
0 votes Share Flag Fri Aug 15, 2014 Home Buying in 02886
Emilio DiSpi…, Real Estate Pro in East Greenwich, RI
Emilio DiSpirito IV answered:
will lenders approve a mortgage in your sixties with good credit.?
Lenders are not allowed to discriminate by race, age, sex, religion, etc. There may be different programs that may be more attractive to the home buyer depending on age. You will want t ... more
0 votes Share Flag Mon Dec 23, 2013 Home Buying in 02886
Patricia Lal…, Real Estate Pro in Warwick, RI
Patricia Lally answered:
my loan is with underwriting for final approval. i forgot to transfer money from savings to checking so have one return check for earnest deposit
If you transferred the funds and the check cleared, you should be ok. You may need to explain what and how it happened but you should be ok.
0 votes Share Flag Fri Jun 14, 2013 Home Buying in 02886
Karen Hurst, Real Estate Pro in Warwick, RI
Karen Hurst answered:
It's my understanding that if you pay more than the HUD listing price you have to pay out of pocket for the difference. Is this this true?
Yes, this is true for an FHA loan. However, I believe you are able to borrow more than this appraised value if using a "rehab" loan like a 203k or b, because if everything was fixed the ... more
0 votes Share Flag Mon Apr 29, 2013 Home Buying in 02886
Lynn Brosnah…, Real Estate Pro in South Kingstown, RI
Lynn Brosnahan answered:
how much is usual sewer assessment cost for 02886 when a home is being sold and it says sewer assessment to buyer?
Helene,
Each property is unique in the amount they may owe on sewer assessments. You can call the Sewer Authority at 468-4700 to inquira about amount
0 votes Share Flag Fri Apr 5, 2013 Home Buying in 02886
Mark McHugh, Real Estate Pro in Warwick, RI
Mark McHugh answered:
does harrop ave 02886 area vflood?
Not a flood zone Helene. It does not have a history of flooding either. It is in close proximity to the bay and coast. Very easy to get to the highway as well.
0 votes Share Flag Thu Apr 4, 2013 Home Buying in 02886
John Anderson, Real Estate Pro in Warwick, RI
John Anderson answered:
there seem to be a lot of homes for sale in the warwick park area (02886). Why? does that area flood?
Helene, do you mean City Park in Warwick ?
Not all areas flood, I would have to check a flood zone map to see if any particular house falls into that category. Don't forget, many homes ... more
0 votes Share Flag Wed Jun 6, 2012 General Area in 02886
Sandy Deignan, Real Estate Pro in Coventry, RI
Sandy Deignan answered:
how much less than list price can you usually get hud homes for?
Hi Helene
HUD homes are usually priced accurately. It is a bidding process open to many bidders at the same time, so it's a gamble depending how many people are bidding. If there are a ... more
0 votes Share Flag Thu May 24, 2012 Home Buying in 02886
Mark McHugh, Real Estate Pro in Warwick, RI
Mark McHugh answered:
101 Shamrock Dr Warwick, RI 02886. what does deed restricted mean. also, if max income for 4 person household is 60000 what would it be for one
Hi Helen,

The deed restriction is for 30 years. It was purchased by House of Hope at auction and revitalized and re-marketed as affordable housing. The maximum amount for a four pers ... more
0 votes Share Flag Thu Jan 26, 2012 Home Buying in 02886
Janet Coppa, Real Estate Pro in Warwick, RI
Janet Coppa answered:
1049 Greenwich Ave Warwick, RI 02886 says selling as is. what is wrong with it. does the property flood.?
Hi Helene, this property is not a short sale or a foreclosure. Property is Realtor owned and tenants are in place. I checked an ariel view of the property and there was an addition that ... more
0 votes Share Flag Sun Jan 15, 2012 Home Buying in 02886
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
which fico score do banks use. transunion or equifax. do they use experian any more.?
Good morning Helene,

We are still using Experian in credit reports. Most Lenders pull a Tri-Merge credit report with scoring from all three bureaus. Some Lenders use only 2 bureau ... more
0 votes Share Flag Mon Dec 5, 2011 Credit Score in 02886
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
i just checked my credit score tu 679, equ 711. a medical collection item popped up dated 2010. its only $253. i thought it was paid by my ex.
If you are trying to qualify for a mortgage then I wouldn't pay it - medical collections very rarely have to be paid in order for loan approval. Paying off old collections often u ... more
1 vote Share Flag Sat Nov 26, 2011 Home Buying in 02886
Lynda Mckenz…, Real Estate Pro in Warwick, RI
Lynda Mckenzie answered:
maximum allowable piti with fha these days. especially back end ratio
There are two factors that underwriters use to determine whether a borrower can qualify for a mortgage.
The first is what we call your Front Ratio, which is your housing expense-to-inc ... more
0 votes Share Flag Tue May 24, 2011 Home Buying in 02886
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
if you have a per diem position where you have consistently made the same amount over a years time can that be used toward mortgage qualification amt.
Hi, Helen. Short answer: Possibly. If its written into your contract or you can get a letter from your employer stating that its guarenteed, you should have a problem. But that will ... more
0 votes Share Flag Tue May 3, 2011 Financing in 02886
Paul Larcher, Real Estate Pro in Rhode Island
Paul Larcher answered:
I am selling my home to relocate. Will a short sale with no bad credit affect our chance to get new home?
Kim contact the bank you have the mortgage with you wont the loss mediation or short sale department. Explain your situation to them, if you don't get the answer you need from one ... more
0 votes Share Flag Wed Nov 17, 2010 Market Conditions in 02886
Christopher…, Real Estate Pro in Warwick, RI
Christopher Rotondo answered:
I have been using Mlsmessenger.com for years and tonight they announce that they are closing down as of December 31st. It is a system that sends
Thank you so much for requesting listingbook! That is exactly what I am looking for but of coars it is not available in RI.

Any other suggestions???
0 votes Share Flag Fri Dec 18, 2009 Agent2Agent in 02886
J R, Real Estate Pro in New York, NY
J R answered:
If a listing expired does it mean it is off the market for good? What happens to the house?
If it comes back on the market it will be whatever price they decide to list it for. Go knock on the door, or call them. If you saw the home with an agent already, though, the owner may ... more
0 votes Share Flag Sat May 30, 2009 Home Buying in 02886
Sandra Brown, Real Estate Pro in Cranston, RI
Sandra Brown answered:
regarding homebuyer tax credit. If i am making payments on back taxes and buy a home will the amount i owe be
For those that are confused, as of 5/12/09 the FHA announced that the $8,000 tax credit CAN be used for a down payment. Any taxes you owe will be deducted.
0 votes Share Flag Fri May 15, 2009 Home Buying in 02886
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