89130 : Advice

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Megan Miller, Home Buyer in Fresno, CA
Megan Miller answered:
I have 20% down for a home loan. I have bad credit. Can anyone recommend a loan officer that can help me get approved for a loan?
Yes you can get an FHA Loan with a 580 score. I was approved and mine was not much better (595) have you tried The Lenders Network? They specialize in helping people with low credit sco ... more
0 votes Share Flag Mon Jul 13, 2015 Financing in 89130
Craig Tiffee, Real Estate Pro in 89123
Craig Tiffee answered:
We plan to sell our Las Vegas home . The three popular net sites provide estimates from 223k to 156k. Can we expect RE agents be less confusing?
this is an old post but i get these questions all the time with the great expansion of the internet.

1. Competent Real Estate Agent who has the tools and resources and tools availabl ... more
0 votes Share Flag Thu Mar 5, 2015 Home Selling in 89130
Robin Fraser, Real Estate Pro in Las Vegas, NV
Robin Fraser answered:
My house has been on market for 6 months it well end at the end of November should i leave it off for the winter and put it back on in March of 2015.
No don't leave it off. Check current comps and see where you are at in the local market now.
0 votes Share Flag Mon Feb 9, 2015 Home Selling in 89130
Alvin King G…, Real Estate Pro in Las Vegas, NV
Alvin King GRI,BA,REO answered:
Own a condo. Want to buy a family home
I am sure that you have received information from many different sources, but the fact is; you are not currently receiving income from the condo, so it is A debt that must to be acknowl ... more
0 votes Share Flag Sat Jan 31, 2015 Financing in 89130
Jenny King, Real Estate Pro in Las Vegas, NV
Jenny King answered:
Me and my wife are wanting to purchase a home and my credit is 520, We make 200,000 a year and have 40,000 down payment
Carrington Mortgage can help you. Carrington has a minimum credit requirement of a 580 credit score and is paying all closings costs
http://www.carringtontonhomeloans.com
0 votes Share Flag Thu Jan 29, 2015 Financing in 89130
Robert Adams…, Real Estate Pro in Las Vegas, NV
Robert Adams Broker NV, RI, MA answered:
I have bad credit ( 640 ) Can anyone recommend a loan officer that can help me get approved for a loan in Oahu, HI?
I would recommend reposting this in the Hawaii section for a better response. Right now you are posting in Las Vegas.

Good luck with your loan!
0 votes Share Flag Tue Apr 8, 2014 Financing in 89130
Nathan Kessl…, Real Estate Pro in Las Vegas, NV
Nathan Kessler answered:
We are current on mortgage. selling home credit score is less than 600 We will put down 30-50% on new home at 100k. Can we get a mortgage?
Absolutely. I can fund a loan for this scenario, assuming that this is the whole story. For free you can get an approval with City First Mortgage Services, and you can bid with confiden ... more
0 votes Share Flag Tue Apr 8, 2014 Financing in 89130
Robert Adams…, Real Estate Pro in Las Vegas, NV
Robert Adams Broker NV, RI, MA answered:
Can you buy a 4 plex with an FHA loan, and later convert it into a single home? What distinctions must be met to consider a house a 4-family unit?
I know many people that have bought a 4plex with a FHA loan.

Why would you want to convert it into a SFR?

Best Regards,
Robert Adams
Broker/Salesman
The Adams Team at
Rothwell ... more
0 votes Share Flag Wed Jun 26, 2013 Financing in 89130
Renee Burrows, Real Estate Pro in Las Vegas, NV
Renee Burrows answered:
I have made 8 offers on 8 different houses.all offers have been at full price or up to 10K ask..in the 140K range...is it time to get a new realitor?
Probably not your agent's fault. There is VERY little inventory in the under $150K category. You are competing against cash buyers so if you are financed you need to rethink a new str ... more
0 votes Share Flag Sun Dec 9, 2012 Home Buying in 89130
Jeanne Schar…, Real Estate Pro in Redmond, OR
Jeanne Scharlund answered:
I have 9 failed attempts to buy. A Pre approved out of town buyer.Is it common never to get a chance to counter offer?
We do not have as many homes on the market as we did at the first of this year. Good homes are hard to find. If a good one comes on the market and its priced right it will go quickly ... more
0 votes Share Flag Thu Dec 6, 2012 Home Buying in 89130
Bobbie.tony, Home Buyer in Fort Worth, TX
Bobbie.tony answered:
could i buy a multi-family up to 3-4 units with an fha mortgage and only have to qualify for the portion which would be my primary residence?
Multi-family can be defined as two, three or four units. More than four units is commercial.

You can qualify for a FHA loan to buy a duplex, triplex or 4plex as long as you live in o ... more
0 votes Share Flag Tue Sep 4, 2012 Financing in 89130
Wendi Willia…, Real Estate Pro in Las Vegas, NV
Wendi Williams answered:
I need advise on Rent-to Own please. Are they for real as far as Brokers paying for your house and you rent it from them then buy it eventually?
Hi, Moe. We have a rent to own division of our real estate brokerage here in Las Vegas, NV. Our websites contain tons of useful information regarding rent to own houses (lease/options ... more
1 vote Share Flag Mon Jul 16, 2012 Rent vs Buy in 89130
Wendi Willia…, Real Estate Pro in Las Vegas, NV
Wendi Williams answered:
Does the listing agent know in advance what the bank will accept on short sale. In Las Vegas Nv. Lender is Wells Fargo.
Hi, Kurtis.

Las Vegas Short Sales

Short Sales are probably the most dynamic component of the Las Vegas real estate market. First of all, there is nothing “short” about ... more
0 votes Share Flag Thu Sep 29, 2011 Home Buying in 89130
Renee Burrows, Real Estate Pro in Las Vegas, NV
Renee Burrows answered:
Buyer- the 1st lender has accepted my offer,the 2nd want to much money is there anything I can do?or just wait for it to go to forecloser?
I agree with Stephen below - look into the Nevada Hardest Hit Funds (linked below!)
1 vote Share Flag Sat Aug 27, 2011 Home Buying in 89130
Trulia VIP D…, Real Estate Pro in Las Vegas, NV
Trulia VIP David Cooper answered:
las vegas nv. Does the listing Broker negotiator on the second loan before Bank has set a price on first on short-sale?
If the offer is below the loan value of the 1st loan, then the second will get nothing, and will certainly NOT agree.
The 2nd will want to get something, so the 1st has to calculate ho ... more
0 votes Share Flag Mon Aug 8, 2011 Home Buying in 89130
Trulia VIP D…, Real Estate Pro in Las Vegas, NV
Trulia VIP David Cooper answered:
I was renting a home that was foreclosed on, it was auctioned. We were in the process of moving and my husband became sick so we did not return to
It sounds like they want money for the missing stuff. Once the house goes to auction, the whole ownership thing gets murky. I would file a stolen prtoperty report with the police depa ... more
0 votes Share Flag Sun Mar 6, 2011 Rental Basics in 89130
James Gordon…, Real Estate Pro in Cincinnati, OH
James Gordon ABR PBD SFR SRS answered:
who pays the closing costs on reo?
Hey I just saw a new one on a lenders addendum for one of my clients. Buyer to pay seller at closing 99.00 for document review.
They should be glad to sell the home not stick buyers w ... more
0 votes Share Flag Wed Dec 8, 2010 Home Buying in 89130
Jennifer Yen, Real Estate Pro in Las Vegas, NV
Jennifer Yen answered:
My husband and I are 64 & 68 yrs. of age. Can we use his VA to get bank owned home?Credit Fair to good.
Yes, you can certainly purchase bank owned properties with a VA loan. Not all properties are VA approved, but there are enough inventory where you will still have a good amount of home ... more
0 votes Share Flag Sun May 31, 2009 Shopping & Local Amenities in 89130
Voices Member,  in Benton County, OR
Voices Member answered:
if a house has been empty and on the market for many months. What is a safe amount to offer lower than the?
P.a. Camp, You've received some good advice. My 2 cents worth is I wanted to say that the "Check what percentage the value is depricating on the market so you can lower your price accor ... more
0 votes Share Flag Mon Feb 16, 2009 Foreclosure in 89130
Will Robles, Both Buyer and Seller in 76248
Will Robles answered:
After auction, how many days do I have to get out?
If you are still in the home the lender or the new owner if bought at auction will have to evict you. State laws determine the process. I may be able to BUY YOUR PROPERTY even if you ar ... more
0 votes Share Flag Sat Aug 9, 2008 Foreclosure in 89130
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