Home Buying in Baltimore : Real Estate Advice

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Aginghipster…, Home Buyer in Baltimore, MD
Aginghipstergoestocamp asked:
Should I worry about going through the underwriting process? I have a credit score of 640, have been employed by the same employer for 7 (almost 8) years, was pre-qualified for 200,000, put a contract on a house for 123,000.00 (Half of which will…
0 votes Share Flag Mon Apr 25, 2016 Home Buying in Baltimore
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
Can you not have your HOA fee included in your pre approval price? such as can you pay separate and not include it when apply for a mortgage?
HOA fees need to be considered for qualification purposes, because it's a monthly debt you will be incurring as purchasing the home. It's just like any other debt for mortgage purposes. ... more
0 votes Share Flag Mon Apr 25, 2016 Home Buying in 21237
Kay-Marie Ba…, Real Estate Pro in Owings Mills, MD
Kay-Marie Barnes answered:
Home loan without 2 years of tax returns
Hi Syed - Sorry that you are having issues getting a home loan! Based on the information you have provided, I believe loan officers I work with are able to help you get a home loan. The ... more
0 votes Share Flag Wed Apr 20, 2016 Home Buying in 21228
USMortgageRa…, Real Estate Pro in Plano, TX
USMortgageRanger answered:
How do I get my house appraised? I do not know yet if I want to sell or not.
No need to spend money on a appraisal. Call 3 different real estate Agents and have them to provide you with comps if you were looking to sell. Based on those comps you can choose if yo ... more
0 votes Share Flag Fri Apr 1, 2016 Home Buying in 21223
CF_in_NY, Home Buyer in East Fishkill, NY
CF_in_NY answered:
Can I buy a home in another state to stay in when I visit family and eventually retire? I don't own my home where I currently live.
You can buy a home in whatever state you want (if you are not a US Citizen though there could be limitations). I would though keep in mind how you are going to handle expenses on that ... more
0 votes Share Flag Thu Mar 31, 2016 Home Buying in 21236
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
My parents want to sell me their home. They have paid off the home and have no mortgage.
Yes this can be done. They can "gift" you the equity in the home, which would count as your down payment. Not sure as to the tax implications- that would be better discussed with a CPA ... more
0 votes Share Flag Mon Mar 28, 2016 Home Buying in 21244
Danielle , Renter in New York, NY
Danielle asked:
Why when I called to inquire about the property,the young lady who answered was very rude and hung up me.b/c she thought i didnt want to give my name, I didnt hear her how dare she hang up.Is that how you do potintial clients my number is on your phone which is posted to inquire about a property .She can call back and aplogize very soon.…
0 votes Share Flag Thu Mar 3, 2016 Home Buying in Frankford
ARTHUR BYAM, Home Buyer in Oxon Hill, MD
ARTHUR BYAM asked:
Rent to own is it real Is rent to own a real way to buy while building credit? Are there agents that work with rent to own properties.
0 votes Share Flag Thu Feb 25, 2016 Home Buying in Baltimore
Isaiah Y., Real Estate Pro in Rockford, IL
Isaiah Y. answered:
Can My FHA loan still be denied after Pre approval?
It's very possible. If certain factors change from time of pre approval to time of closing. Home Loans For All just put out an article titled "8 Ways To Not Mess Up Your Mortgage Approv ... more
1 vote Share Flag Wed Feb 24, 2016 Home Buying in 21225
Amelia Robin…, Real Estate Pro in Falls Church, VA
Amelia Robinette answered:
Considering buying 1st home
does your lease have an automatic 'month to month' clause? talk to your landord and ask if they can extend for a couple months while you explore your home buying options.

it may not ... more
0 votes Share Flag Sat Feb 20, 2016 Home Buying in 21221
MCM_STL, Home Buyer in Saint Louis, MO
MCM_STL answered:
How much should be done to improve your current home in order to move on to a new home?
If your plan is to sell, it's always best to get some agents in to give you feedback. Most renovations cost more than they add in value so changing things just to sell your house often ... more
0 votes Share Flag Fri Jan 29, 2016 Home Buying in Baltimore
Jesse Graves, Home Buyer in Minneapolis, MN
Jesse Graves answered:
What is the difference between a BPO & a home appraisal; isn't the BPO slightly more biased because it is requested from the lender for a?
So I got a bpo during my divorce on my houses. Note I'm trying to sell one.... The bpo came in at like $26000. I'm selling the house and have buyer read but they looked at the bpo as an ... more
0 votes Share Flag Fri Jan 22, 2016 Home Buying in Baltimore
Luke Myers, Real Estate Pro in Baltimore, MD
Luke Myers answered:
Can I use a state funded home buyers grant for the 3.5% down payment on a FHA 203K loan?
The bank is going to want you to have some "skin in the game". While it may be possible to get all the closing credits that would pay for your out of pocket cost, the Bank will ultimat ... more
1 vote Share Flag Fri Jan 15, 2016 Home Buying in 21239
Luke Myers, Real Estate Pro in Baltimore, MD
Luke Myers answered:
find comps in the area
When looking for comps it is important to use the same methods that will be used by appraisers. Generally you want to look for homes sold in the past 90 days, in the same zip code, wit ... more
0 votes Share Flag Fri Jan 15, 2016 Home Buying in 21211
Suzie Coronel, Real Estate Pro in Baltimore, MD
Suzie Coronel answered:
Can someone please recommend a good real estate attorney for real estate purchase in baltimore, Maryland?
I've been using Heise & Heise LLP for over 11 years. Todd Heise and his staff are incredible. His knowledge ranges from settlements, to estates, to landlord/rental issues, and he hammer ... more
0 votes Share Flag Tue Jan 5, 2016 Home Buying in 21218
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