33012 : Advice

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Luis Nunez, Real Estate Pro in Coral Gables, FL
Luis Nunez answered:
Due to a short sale. Can I apply for a private investor or a hardmoney loan to buy a house? I have 40K to invest.
You can get a hard money loan with 35% down. If you have 40k, you can buy something for around 100-110K
0 votes Share Flag Mon Dec 30, 2013 Home Buying in 33012
Yelena Diaz, Renter in Hialeah, FL
Yelena Diaz answered:
who do i contact to rent a house in this area?
Hi,
I read what you wrote about the SCAMMERS that are out there it seems that every house I call about or request information about it turns out that the "Owners" are doing "Missionary ... more
0 votes Share Flag Tue Jun 25, 2013 Rentals in 33012
Gustavo Tosti, Home Buyer in Hollywood, FL
Gustavo Tosti answered:
I have 40 K cash and I want to buy a property in miami,broward or homestead. Would it be possible?
If you talk just o agents it will be difficult, you need to look it as an investment.
please contact me and I'll send you a biweekly list of all our deals.
gustosti@gmail.com
0 votes Share Flag Tue May 7, 2013 Home Buying in 33012
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
If you are buying a house for primary residence but already have a house in your name, can they take the first house if you have to default on the 2nd
Sure can. A local realtor here in Detroit did that. The first loan bank (the one she defaulted on) came knocking on her door and took the second house. She had borrowed the money for ... more
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 33012
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
First time home buyer help.
The first thing I would do is call a local mortgage person or click on the find a pro tab at the top. They will be able to help you get pre-approved for a mortgage. Ask friends, famil ... more
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 33012
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
Can I use a home equity loan as a down payment on another house?
Yes you could but the lender is going to frown on it and include the other loan in your debt ratio. It would be easier if you got the home loan. Put the money in the bank and sat on i ... more
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 33012
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
During a home inspection does the water have to be put under the buyer name in order for it to be turned on?
You may have to do that if it is a bank owned property. In regular sales the home owner should have the water on.
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 33012
Stephanie Le…, Real Estate Pro in Miami Lakes, FL
Stephanie Leon 786-664-7710 answered:
Quiero saber si la casa k esta situada en el 52 w 42 st hialeah fl 33012 esta en forclouse y en cuanto la vende el banco
Este establecimiento de completado el proceso de ejecución hipotecaria y que debería estar llegando al mercado en breve.
0 votes Share Flag Sun Jan 13, 2013 Foreclosure in 33012
Nancy Morales, Real Estate Pro in Hialeah, FL
Nancy Morales answered:
We have out grown the house we are in, but sill owe on it. How can we purchase a larger home with a current mortgage?
Debbie,

you have several options here, it all depends on you financial situation.

As mentioned in the answers below, you can shop for your new home and make a contingency on the c ... more
0 votes Share Flag Wed Jan 2, 2013 Home Buying in 33012
Nancy Morales, Real Estate Pro in Hialeah, FL
Nancy Morales answered:
Im looking for a home that is FHA approved.
I'll be happy to assist you in locating FHA approved proerties, I have been living and specializing in the Hialeah market for over 15 years feel free to call me anytime (305)796-2013
0 votes Share Flag Wed Jan 2, 2013 Home Buying in 33012
Ismarytalede…, Home Buyer in Hialeah, FL
Ismarytaledesma created a review:
Quiero saber k banco tiene la propiedad k esta en el 52 w 42 st hialeah fl 33012
0 votes Share Flag Mon Dec 10, 2012 Foreclosure
Stephanie Le…, Real Estate Pro in Miami Lakes, FL
Stephanie Leon 786-664-7710 answered:
When a REO list says off the market dose this mean sold? Or can you still make an offer on it.
Off the market means just that.. When a property is off the market the seller no longer is selling the property for whatever reason.. Sometimes it is because of title issues, or a possi ... more
0 votes Share Flag Mon May 7, 2012 Home Buying in 33012
Jose Gonzalez, Real Estate Pro in Miami, FL
Jose Gonzalez answered:
can i buy another house if i own one has benn paid of and would i get a low down payment?
Hi,
The only way to qualify for a low down payment purchase loan, which would be an FHA loan, you will need to be an owner-occupant of the residence being purchased. You would need to ... more
0 votes Share Flag Wed Dec 21, 2011 Home Buying in 33012
Jose Gonzalez, Real Estate Pro in Miami, FL
Jose Gonzalez answered:
We have out grown the house we are in, but sill owe on it. How can we purchase a larger home with a current mortgage?
Hi Jr,
The main issue to consider, other than your credit and income, is how much you owe on your current residence. Underwriters will consider your renting your current residence and ... more
0 votes Share Flag Wed Oct 5, 2011 Home Buying in 33012
Mark LeMenag…, Real Estate Pro in Lake Nona, Orlando, FL
Mark LeMenager answered:
I have a home loan but have not been financially responsible for it for the past 2 years. Would I be considered 1st time home buyer again?
No, you are not a first time home buyer, but sounds like your wife might be. Check with mortgage broker tomorrow.
0 votes Share Flag Mon Sep 5, 2011 Home Buying in 33012
Jose Morales, Real Estate Pro in Palm Beach, FL
Jose Morales answered:
How to buy a second home and rent the current one? Are lenders qualifying cases like this?
Yes they are but you have to meet specific requirements particularly if you absolutely need the rental income to qualify.

If you currently have an FHA loan, you cannot obtain another ... more
0 votes Share Flag Thu Dec 23, 2010 Home Buying in 33012
Monir Mamoun, Real Estate Pro in Morristown, NJ
Monir Mamoun answered:
ofresco $95,000.00
Following your pattern of $75,000 then $85,000 then $95,000, I suggest you offer $105,000 next and see what happens.
0 votes Share Flag Sun Aug 8, 2010 In My Neighborhood in 33012
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
Have a mortgage on a home and am upside down in it. How can I rent it and buy a house i have found?
93Chevy,

If you qualify for the mortgage on both the current and proposed home, you're fine. If you don't, you must have 30% equity in the current home before you will be ... more
0 votes Share Flag Tue Jun 8, 2010 Home Buying in 33012
Emelia Sanch…, Real Estate Pro in Ontario, CA
Emelia Sanchez answered:
I am being asked to do a second home inspection because the bank from which I am obtaining the loan needs one for them but they don't want to
Anita24,

Ask your realtor if she means the appraiser needs to come out and do a re-inspection with the water on. Yes, this is typical if the appraiser found issues that need to be co ... more
0 votes Share Flag Wed May 26, 2010 Home Buying in 33012
Andrew & Ele…, Real Estate Pro in Estero, FL
Andrew & Elena Ollick answered:
If I currently own a home, would I qualify for the $6,500 tax credit if I buy a second home, or do I need to sell my current home in order to qualify?
Marlon, you'd qualify for the credit if you buy it as your primary residence and it's considered a move up or a movedown. Here's the IRS clarification on the credit: http ... more
0 votes Share Flag Wed Feb 10, 2010 Home Buying in 33012
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