32092 : Real Estate Advice

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Kendratara, Both Buyer and Seller in Boise, ID
Kendratara answered:
Can a USDA loan buy a short sale or foreclosure home? If a home says FHA financing possible, does that qualify for USDA too?
The complete list of USDA homes offered for sale are listed on homesales.gov. These are the properties that have been foreclosed upon by the USDA rural development department. Basically ... more
0 votes Share Flag Mon Aug 15, 2016 Financing in 32092
USDAMTGHUB, Real Estate Pro in Valdosta, GA
USDAMTGHUB answered:
I'm a first time buyer, my question is, if you buy a property with a USDA loan program do you have to pay for the closing?
Standard closing costs apply just like any other loan. However, USDA does permit the seller to pay all the buyers closing costs up to 6% which is enough. USDA also allows the buyer to ... more
0 votes Share Flag Sun May 22, 2016 Home Buying in 32092
Slipnot555666, Home Buyer in Saint Augustine, FL
Slipnot555666 asked:
I inherited my dads house but stepmom has a life estate on it. Can I still use it as equity to buy me another house.? She is 70 and they were only married 6 months and its my childhood home. I dont want to take it from her but will it make me look better to the banks that I have that. I inherited everything…
0 votes Share Flag Fri Mar 18, 2016 Home Buying in 32092
Korcari2007, Renter in Franklin, NC
Korcari2007 asked:
Do you guys do for sale by owner?
0 votes Share Flag Tue Mar 15, 2016 Home Buying in 32092
Tom Bawany, Real Estate Pro in Maitland, FL
Tom Bawany answered:
If the local is within the requirements of USDA loans, how can a property that isn't listed as USDA how or CAN it be a qualifying home?
Hello

Yes you can go online to the USDA site and determine if the property is in area that qualifies for a USDA home, it is very easy

We do USDA homes and I am fan of this produc ... more
0 votes Share Flag Mon Aug 3, 2015 Financing in 32092
Gail Long, Real Estate Pro in Saint Augustine, FL
Gail Long answered:
where in St Johns county are their good homes for $ 100.000 to 130.000 and a nice area crime low. and at least 1400 sq ft. home ? 2-3 bedrooms 2 baths
Hi, Are you still looking to purchase a home? DRHorton Home Builders have now started offering what they are calling Express Homes. This would fit the criteria of what you are looking ... more
0 votes Share Flag Wed Jun 10, 2015 Home Buying in 32092
My NC Homes…, Real Estate Pro in Chapel Hill, NC
My NC Homes Team answered:
In zone X my home's 110 yrs old &i is 4' off the ground. My garage & shed, generator are elevated. Never flooded. Feel I shouldn't waste the money.
What's the question? If you have a mortgage and your home is deemed to be within the flood zone (based on an elevation certificate) you will likely be required by the lender to have flo ... more
0 votes Share Flag Tue Apr 21, 2015 Home Ownership in 32092
Scarlett Col…, Renter in Saint Johns, FL
Scarlett Collins asked:
How do you report scams? Add for 356 Stonehurst Pkwy in Saint Augustine, FL for $900.00 is a scam. The rent is actually 2100.00 and I spoke with the rental agent, Heather Allen (found her information on Zillow.com)
0 votes Share Flag Mon Apr 20, 2015 Market Conditions in 32092
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
How to list a home for sale on Trulia?
If you are a for sale by owner the post is not allowed; if and when you do list with a broker, ask your agent to post the listing, or consider any flat fee realty company that feeds int ... more
0 votes Share Flag Sun Apr 19, 2015 Home Selling in 32092
Ernie Behrle, Real Estate Pro in Raleigh, NC
Ernie Behrle answered:
had someone look at home, said they were very interested and want to see if they could come back with husband was out of state. two weeks later shows
Answer is..the Realtors need to be involved. If unavailable, they should be supplying a back up.
0 votes Share Flag Sat Mar 28, 2015 Home Selling in 32092
busterballs.…, Home Seller in Morganton, NC
busterballs.16 asked:
that buyer was going out of state and would be back this week. but we are confused what is happening here... do they want it or not. the husband did not say a word thru the whole thing. maybe one comment that the refrigerator would fit.... she was making all plans while looking at the house.. now we have heard nothing....what is this…
0 votes Share Flag Sat Mar 28, 2015 Home Selling in 32092
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I have a credit score of 560 and am in need of a house. How can I get approved for a mortgage?
I am guessing on a loan amount based on your payment example and then using a hard money interest rate and the payment I came up with for that credit score would be closer to $1,200 inc ... more
0 votes Share Flag Wed Mar 25, 2015 Credit Score in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
The neighborhood in Samara Lakes seems to have affordable homes in a nice family atmosphere and good schools. Any comments are appreciated.?
Samara Lakes is a great community with lots to offer. NO CDD fees! Great schools.
0 votes Share Flag Mon Mar 16, 2015 Home Buying in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
I am planning to buy an investment property in Florida. I live in the western UA presently. Which areas are free from natural disasters?
I don't believe there are any areas free from natural disasters.
0 votes Share Flag Mon Mar 16, 2015 Home Buying in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
Sold home in short sale 7 months ago due to financial hardship. Found home to buy for $119K now. Will a bank lend me the money?
I believe the 'wait period' for lenders to loan you money again is for 2 years now if you've had a recent short sale..so unfortunately I don't think so.
0 votes Share Flag Mon Mar 16, 2015 Home Buying in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
is it hard to purchase a home with a co signer?
No, contact a local lender.
0 votes Share Flag Mon Mar 16, 2015 Home Buying in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
i am thinking of moving to St. Augustine but I have 3 dogs. Is this a problem?
We have lots of dogs in town. As long as they are on a leash, you can bring them to the beach. There are public dog parks throughout St. Johns county as well.
0 votes Share Flag Mon Mar 16, 2015 Home Buying in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
My credit score around 680-690. Full time job with $5500 take home after tax. My spouse don't have a credit history.
Call a local lender. You may qualify for FHA financing if this will be your first home purchase. Also, another option is USDA financing which provides 100% financing but the homes tha ... more
0 votes Share Flag Mon Mar 16, 2015 In My Neighborhood in 32092
Caleb Cooper, Real Estate Pro in St Augustine, FL
Caleb Cooper answered:
can I list a home for sale by owner on trulia?
You cannot, but trulia gets live feeds from other websites. I would try fsbo.com or fizber.com and it should make it to trulia and zillow.
0 votes Share Flag Mon Mar 16, 2015 Home Selling in 32092
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