63129 : Real Estate Advice

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Steve Warren, Real Estate Pro in St Louis, MO
Steve Warren answered:
How long will you leave up your Christmas lights?
I generally take mine down during the first week of January.
0 votes Share Flag Tue Jul 7, 2015 Design & Decor in 63129
Jim Anderson, Real Estate Pro in Saint Louis, MO
Jim Anderson answered:
i filed bankruptcy in july of 2013 and im considering buying a house this year am i eligible
I am pretty sure it is 2 years before most lenders will extend a new mortgage. Call Shawn Kerley of USA Mortgage at 314-537-0426. He will definitely know and even pre-approve you. After ... more
0 votes Share Flag Wed Feb 11, 2015 Home Buying in 63129
Gordon Cuffe, Real Estate Pro in rocklin, CA
Gordon Cuffe answered:
I did a short sale and I want to know if there are lenders out there that will work with me after I have reached my 2 year penalty.
I do know that some portfolio lenders that will lend to you if your credit score is good and you have a down payment.
0 votes Share Flag Mon Jan 12, 2015 Home Buying in 63129
Debbie Dutton, Real Estate Pro in chesterfield, MO
Debbie Dutton answered:
I am on short sale, can I buy a house cash even though I am still on short sale situation.
Uhmm! I'm not sure I agree with the answers below. If you have the cash to buy another house, that will be discovered as you move through the short sale process. You have to prove that ... more
0 votes Share Flag Fri Dec 5, 2014 Home Buying in 63129
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
In state of California, how soon can we buy a house after a short sale?
You don't have to wait.....

We have a portfolio "2nd Chance" loan that allows you to buy again just one day after Short-Sale or Foreclosure. You can only have one on your credit and ... more
0 votes Share Flag Thu May 22, 2014 Home Buying in 63129
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
How soon can I buy a house after a short sale?
Hello... That depends on which state you are looking to buy. We have an exclusive portfolio program (meaning it's not gov't backed and only available through our bank) that allows you t ... more
0 votes Share Flag Fri Jan 24, 2014 Home Buying in 63129
Joycelewis412, Home Buyer in Sacramento, CA
Joycelewis412 answered:
how hard is it to rent after a short sale?
Short sale will affect your credit score negatively; some landlords do not want tenants with bad/low credit rating.



Check if you qualify for mortgage. Try www.whywaitbuytoday.co ... more
0 votes Share Flag Tue Aug 13, 2013 Home Buying in 63129
Bill Wilmeri…, Real Estate Pro in Saint Louis, MO
Bill Wilmering answered:
want to buy a larger home in Kentucky but we had a short sale less than a year ago. My husband was transferred to Kentucky from Michigan for his job
If there was no default on your old mortgage, you would have been able to get an FHA loan right away, Otherwise, it will be a minimum of 2 or 3 years, depending on the type of motgage ... more
0 votes Share Flag Thu May 9, 2013 Home Buying in 63129
Tammy Wilban…, Real Estate Pro in St Louis, MO
Tammy Wilbanks answered:
I am trying to apply for a loan, my wife has a short sale on her credit can I include her on the new loan?
Depends on the lender and why your wife qualified for a short sale. Your lender should be able to tell you this quickly. It will depend on her payments, how long ago and credit score. ... more
0 votes Share Flag Tue Apr 23, 2013 Home Buying in 63129
Rich Homer, Real Estate Pro in NAPLES, FL
Rich Homer answered:
how long it takes someone who did a short sale to buy a new home?
Best next action is to ask a local Mortgage Broker by clicking "Find a Pro" in the main menu at the top of this website. http://www.naplesrealestateguys.com/
0 votes Share Flag Sun Apr 14, 2013 Home Buying in 63129
Rich Homer, Real Estate Pro in NAPLES, FL
Rich Homer answered:
how do you buy a house that is going to be a short sale?
We hate short sales...here is why...http://www.naplesrealestateguys.com/blog/naples-foreclosures-not-short-sales/
0 votes Share Flag Sun Apr 14, 2013 Home Buying in 63129
Rich Homer, Real Estate Pro in NAPLES, FL
Rich Homer answered:
How do you deal with a short sale property that has two lien holders. Primary is the bank and the secondary is a private company;
We hate short sales. Here is why...http://www.naplesrealestateguys.com/blog/naples-foreclosures-not-short-sales/
0 votes Share Flag Sun Apr 14, 2013 Home Buying in 63129
Rich Homer, Real Estate Pro in NAPLES, FL
Rich Homer answered:
I am in process of purchasing a home and the underwriter is more concerned about my husband who is not on the application than myself.
Get divorced is the best advice. http://www.naplesrealestateguys.com/
0 votes Share Flag Sun Apr 14, 2013 Home Buying in 63129
Tonja Neal, Real Estate Pro in Saint Louis, MO
Tonja Neal answered:
When can we buy another house?? My husband and I short sold our home in 2009.
There are some things this can be contingent upon. Though short selling is better than foreclosing there is sometimes a small dent in your credit rating because of it. I would say tal ... more
0 votes Share Flag Wed Oct 3, 2012 Home Buying in 63129
Sharon Jones,  in Saint Louis, MO
Sharon Jones answered:
how soon can I buy a house in New Jersey after going thru a short sale, do to a divorce.?
You can buy a home on a lease option aka rent to own. All you need to do is find a seller who is willing to owner finance their home to you on a lease option agreement. A lease optio ... more
0 votes Share Flag Thu Aug 9, 2012 Home Buying in 63129
Terri Vellios, Real Estate Pro in Campbell, CA
Terri Vellios answered:
after the short sale and the bank gets their money they can't put a lien on the mobile home for he rest?
It depends on what documents you sign/signed. You will want to make sure you understand that if they are fully releasing the Seller.

Buyers should be making sure that the Escrow C ... more
0 votes Share Flag Wed May 23, 2012 Home Buying in 63129
James Michael…, Other/Just Looking in Saint Louis, MO
James Michael Elfrank answered:
we are in an upside loan and behind in payments doing short sale we purchased a mobile home for cash is that going to be affected?
The short answer is no. The short sale will not be affected by owning a mobile home that you are using for a permanent residence. Factors that may affect the short sale would be the a ... more
1 vote Share Flag Wed May 23, 2012 Home Buying in 63129
Maya Kefalov, Real Estate Pro in Frontenac, MO
Maya Kefalov answered:
Having an inground pool installed. Need a plot plan. How do I get one/ Thank You?
If you are installing a pool, you will need exterior improvement permit whether or not you are using a general contractor or contracting separate subs yourself. to get a permit, you wil ... more
0 votes Share Flag Fri Apr 27, 2012 General Area in 63129
Robert Spino…, Real Estate Pro in Mill Valley, CA
Robert Spinosa answered:
We had to short sale our Conv. mtg. When can we buy again. We closed 9/11.
Ella,

This short video covers the time periods required before re-entering the market.

Rob Spinosa
rspinosa@rpm-mtg.com
0 votes Share Flag Wed Apr 18, 2012 Home Buying in 63129
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Currently selling my home as a short sale. My husband is not on the loan or deed. Will the short sale affect his ability to get a mortgage soon?
Kirdy, the lender you spoke with has a guideline that states when you file jointly they'll still hold your husband's credit issues against you, but that isn't the case wi ... more
0 votes Share Flag Fri Oct 21, 2011 Home Buying in 63129
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