Home Buying in 19126 : Advice

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Philip J. Cu…, Real Estate Pro in Philadelphia, PA
Philip J. Cunningham Sr. answered:
I am very confused. When I went Wells Fargo It took one month for the loan officer to get started after I gave him a boatload of documents. He had to
Please call me at 267-934-1971 Your frustration is noted and the answer is very simple you need to use the PASS it ALONG method which is find a REALTOR that will follow up with the bank ... more
0 votes Share Flag Sun Dec 8, 2013 Home Buying in 19126
Randall Yates, Real Estate Pro in Dallas, TX
Randall Yates answered:
trying to buy home from landlord without sellers agent or buyers agent, will real estate attorney be enough?
Yes a real estate attorney can help with the transaction but make sure you at least have an agent or your own attorney review the agreement to ensure it;s fair on your end.
2 votes Share Flag Tue Oct 1, 2013 Home Buying in 19126
Alexis Jeffr…, Real Estate Pro in Jenkintown, PA
Alexis Jeffries answered:
if a home is listed for 121000, can it be lowered to 100,000? I have an excellent credit however with my obligation, my bank approve 100,000
Hi Monique,

I agree with many of the Agents on this panel! It would depend on whether a Seller had the equity to do so, how long the house has been on the market, etc.

Please cont ... more
0 votes Share Flag Mon Jun 24, 2013 Home Buying in 19126
Alexis Jeffr…, Real Estate Pro in Jenkintown, PA
Alexis Jeffries answered:
Looking to buy a house in the zip code 19126 or 19149. looking for something ready to move, wood floor 3 bed and 1.5 bathroom with 100,000 pre approv
Hi Monique,

I specialize in first time Buyers!

In the meantime, I can email you some houses that are currently on the market in East Oak Lane and Oxford Circle!

Please contact ... more
0 votes Share Flag Mon Jun 24, 2013 Home Buying in 19126
Michael Solo…, Real Estate Pro in Philadelphia County,...
Michael Solomon answered:
What happens to your security deposit when you purchase the property from your landlord?
It should be returned to you if there are any damages you now own the property and you will need to fix them at your expense
0 votes Share Flag Sun Mar 17, 2013 Home Buying in 19126
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
Looking to buy a home using the VA homeloan. Can I qualify with a credit score of 633 ?
Hi Mpho,

Thank you for your service.

I can get a VA mortgage approved with a 620 or better middle credit score.
Is 633 you middle or high score?

Please feel free to contact me ... more
0 votes Share Flag Thu Oct 25, 2012 Home Buying in 19126
Carol Ann Lo…, Real Estate Pro in Pennsylvania
Carol Ann Loughery answered:
I have several old bills on credit report that I have paid off/some are charge offs. I have never owned a house/thinking about purchasing one now.
Hi Kimberly,

I can help you get pre approved for a mortgage. There are a few steps that need to be taken first. You need to make sure you get a letter of deletion from your credit ... more
0 votes Share Flag Mon Oct 22, 2012 Home Buying in 19126
Alan Openshaw, Real Estate Pro in Warminster, PA
Alan Openshaw answered:
Lowering of score
Hello Chauncey May,

Your credit report does not change daily and does not reflect every charge that you make on a credit card. In some cases there may be a delay between paying off a ... more
0 votes Share Flag Thu May 17, 2012 Home Buying in 19126
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
So what about paying off the collection accounts, what if your lender has placed conditions on your
If the Lender's condition on your loan commitment is to pay in FULL then you must exactly follow the terms of the loan commitment.

Trevor Curran
NMLS #40140
0 votes Share Flag Fri May 4, 2012 Home Buying in 19126
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Paying at the closing
Hi Chauncey,

Your Loan Officer should be able to answer this question since she is more aware of the specifics of your file. The original credit report used for approving your loan ... more
0 votes Share Flag Fri May 4, 2012 Home Buying in 19126
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Paying off collection accounts,
Good morning Chauncey May,

Recent activity on your credit history, whether that activity is on a "Good" account or a "Bad" account has a direct impact on the current credit score mor ... more
0 votes Share Flag Fri May 4, 2012 Home Buying in 19126
Sharon Sapp, Real Estate Pro in Exeter Township, PA
Sharon Sapp answered:
Does lender have a problem with verbiage on settlement receipts.?
It's best to ask your lender questions like this.
0 votes Share Flag Sat Apr 28, 2012 Home Buying in 19126
Sheri Curci, Real Estate Pro in Philadelphia, PA
Sheri Curci answered:
Pay in full or settle
OK Chauncey May, If you do use the Title Co to research your accounts... + then you decide to withdraw due to cloud issues over title... You only have to pay a cancellation fee instead ... more
0 votes Share Flag Tue Apr 24, 2012 Home Buying in 19126
Community Mo…, Real Estate Pro in Philadelphia County,...
Community Mortgage Officer answered:
Pre-approval Letter
Two weeks is much to long to wait for a pre-approval. Please call me so I can discuss your situtation and if you are a first time homebuyer I maybe able to get you a closing cost grant ... more
0 votes Share Flag Fri Apr 6, 2012 Home Buying in 19126
Janet M. Nat…, Real Estate Pro in Baldwin, NY
Janet M. Nation answered:
The landlord is not using an agen so i have obtained an attorney, his fee is 3% just like a relator,the landlord is trying to save money .
It my neck of the woods the 3% would be high. Why don't you just use a real estate agent, who does this type of work every day?
0 votes Share Flag Wed Apr 4, 2012 Home Buying in 19126
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
My loan counselor informed me that i was a little short on assets , I'm applying for pre approval at my credit union.
It is possible that what the loan officer meant was the liquid assets (reserves), not those that will require some time to liquidate. I'd go to the loan officer again to really understa ... more
0 votes Share Flag Tue Apr 3, 2012 Home Buying in 19126
Keith &…, Real Estate Pro in Verona, WI
Keith & Kinsey Schulz answered:
What is the minimum lines of credit needed to get pre-approved for a mortgage?
Zero. It is actually possible to get a mortgage of you have no credit. No credit is better than bad credit. If you can get a small bank to actually look at your qualifications rather th ... more
0 votes Share Flag Mon Mar 12, 2012 Home Buying in 19126
Carl M. Cald…, Real Estate Pro in Philadelphia, PA
Carl M. Caldas answered:
Out on a limb
I just want to add and renforce that the landlord is setting the price and you are making the offer not him.
You want to let your realtor do the negotiating and contractual process. T ... more
0 votes Share Flag Fri Feb 24, 2012 Home Buying in 19126
Emily Landis…, Real Estate Pro in 19438
Emily Landis Torres answered:
Can someone tell me what is the pecentage a buyers agent charges when there is no selling agent?
Chauncey,
Commissions are negotiable. So negotiate! If you found the property already and just need an agreement, assistance with inspections and coordinating for closing, you should ... more
0 votes Share Flag Thu Feb 16, 2012 Home Buying in 19126
Rob Hughes, Real Estate Pro in West Chester, PA
Rob Hughes answered:
Will the attorney help with financing.?
Chauncey, some may have lender contacts. Better is a qualified/reputable Realtor who works this business full-time. They know who to use and who not to. I have worked with Eric for over ... more
0 votes Share Flag Sat Feb 11, 2012 Home Buying in 19126
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