Home Buying in Berwyn : Advice

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mschechtman, Other/Just Looking in Oak Park, IL
mschechtman answered:
We would like to buy a house I have ssn but I'm not currently working, my husband is, but he only has ITIN number, is possible with ITIN??
Email me at mschechtman@wintrustmortgage.com and I can go over options with you.
0 votes Share Flag Mon Feb 3, 2014 Home Buying in 60402
Benny Rivera, Real Estate Pro in Logan Square, Chicago,...
Benny Rivera answered:
Would like to purchase a condo in future, renting in berwyn now. Can someone assist?
Hi Wanda, are you renting in Berwyn, what's the area you'd like to move to? I have an app that you can use to assist you in your home search. My email is ben@bennyrivera.com. Thanks
0 votes Share Flag Tue Dec 31, 2013 Home Buying in Berwyn
ALEX ROMO- H…, Real Estate Pro in Chicago, IL
ALEX ROMO- Home Loan Expert answered:
Are there any lenders in the Chicagoland area that are able to do financing on a 2unit Owner occupied with 5 to 10% down? Score is 760
Hello,

Absolutley you can obtain financing. With the big banks tighening up their criterias, you need to go to a mortgage bank who can give you more than one option and can deliver ... more
0 votes Share Flag Mon Sep 23, 2013 Home Buying in 60402
ALEX ROMO- H…, Real Estate Pro in Chicago, IL
ALEX ROMO- Home Loan Expert answered:
with more peolpe singning the mortgage will this lower the down payment
Absolutely not. This has nothing to do with it. The type of programs you're being qualified for does.
FHA requires 3.5% down and can be gifted from family.
There are others that req ... more
0 votes Share Flag Fri Sep 20, 2013 Home Buying in 60402
ALEX ROMO- H…, Real Estate Pro in Chicago, IL
ALEX ROMO- Home Loan Expert answered:
My agent negoiated a sale that fell through. She did not collect earnest money and the buyer broke contract.
A contract is executed when earnest money is collected.

For any financing questions, feel free to contact me.

Alexander Romo
Senior Vice President Mortgage Lending
The Feder ... more
1 vote Share Flag Fri Sep 20, 2013 Home Buying in 60402
ALEX ROMO- H…, Real Estate Pro in Chicago, IL
ALEX ROMO- Home Loan Expert answered:
Is military disability pay eligible as a primary source of income?
You can use it. There are minimum credit requirements with VA loans.
Feel free to contact me with any financing questions.

Alexander Romo
Senior Vice President Mortgage Lending ... more
0 votes Share Flag Fri Sep 20, 2013 Home Buying in Berwyn
ALEX ROMO- H…, Real Estate Pro in Chicago, IL
ALEX ROMO- Home Loan Expert answered:
If I have down payment assistance, would that money go towards the earnest money or will be additional money I have to come up with?
Great question. Depends on the type of assistance. Some programs require you to put 1,000 out of your pocket. If you have any financing questions, feel free to contact me.

Alexander ... more
0 votes Share Flag Fri Sep 20, 2013 Home Buying in Berwyn
Bob Brandt R…, Real Estate Pro in Schaumburg, IL
Bob Brandt Re/Max 847-230-7303 answered:
i have been charged 3hundred dollasmarketing fees to close on house what are eting fees
Is it not only the $299 technology marketing fee that the MLS listing advised you would have to pay upfront.?
0 votes Share Flag Wed Sep 11, 2013 Home Buying in 60402
Eduardo, Real Estate Pro in Chicago, IL
Eduardo answered:
should I bid over the asking price in Berwyn.?
Hello Manpreet,

I'ts no longer a buyers market in Berwyn, if you really like the home consult with your Realtor and have him provide you with a buyers CMA. Most of the properties i' ... more
0 votes Share Flag Wed Apr 24, 2013 Home Buying in Berwyn
saeedjadoon6…, Home Buyer in Berwyn, IL
saeedjadoon687 answered:
closeing costs and cash to close are two separate things?
$104k what does it means in australia?
0 votes Share Flag Sat Feb 23, 2013 Home Buying in 60402
Linda Grey,…, Real Estate Pro in Port Orange, FL
Linda Grey, Realtor, e-Pro,SFR answered:
for a $32.800 house what would be the minumum down payment and closeing costs?
These are questions you needto ask your lender and Realtor, since they are there and working with you and if you do not have a Realtor please get one to represent you.
0 votes Share Flag Tue Oct 2, 2012 Home Buying in Berwyn
Randy Schule…, Real Estate Pro in Saint Charles, IL
Randy Schulenburg answered:
Hi, i was wondering if I can use my good faith money to go towards my down payment?? Or does that money have to go towards the principle of the loan?
Jess,

By 'good faith' money you're most likely referring to 'earnest money'. The earnest or good faith money is applied towards your down payment on a home you purchase. If, for ex ... more
0 votes Share Flag Mon Aug 6, 2012 Home Buying in Berwyn
Bubbles, Home Buyer in Berwyn, IL
Bubbles asked:
lowering mortgage payments if bank denies modification wont extending the years on your mortgage to 40 yrs then 30 help? or how low can a bank lower the interest rate on your mortgage?i wonder do banks really want…
0 votes Share Flag Thu Aug 2, 2012 Foreclosure in 60402
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
wont lowering interest rate down to 2% help to make mortgage payment?
Two years and counting, but I don’t see that you have ever actually listed your home for sale,

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a T ... more
0 votes Share Flag Mon Jul 2, 2012 Foreclosure in 60402
Cecelia Marl…, Real Estate Pro in Chicago, IL
Cecelia Marlow answered:
I have a credit score of 632, with a closed bankruptcy, can I get a FHA loan?
With a Chapter 7, FHA requires 2 years from the discharge date before you can apply for a mortgage. With a Chapter 13, you only need 12 months of solid payment history, permission from ... more
1 vote Share Flag Wed May 2, 2012 Home Buying in Berwyn
Peter Kedzior, Real Estate Pro in Arlington Heights, IL
Peter Kedzior answered:
why am i out searching for a foreclosure to buy? why isn't the realtor sending me leads? in these times i would think agent would want the
The REO market (bank-owned homes) requires a whole different set of skills from a real estate agent. Patience and perseverance are probably on the top of the list. Also, willingness to ... more
0 votes Share Flag Thu Mar 1, 2012 Home Buying in Berwyn
John Potter, Real Estate Pro in Cook County, IL
John Potter answered:
can't afford house.
The owner decides short sale yet the bank must approve and may not. A bank forecloses and they decide to sue the owner for non payment of mortgage. The owner decided not to pay mortga ... more
0 votes Share Flag Mon Feb 20, 2012 Foreclosure in 60402
Dino, Home Buyer in Berwyn, IL
Dino answered:
I have responded to many of the realtors asking to be contacted about homes I've seen on Trulia, not once has anyone contacted me. Why is this?
hey rocky, i have had the same issues with realtors. everyone says it is a tough economy yet the reattors seem to have given up. i have had numerous emails with realtors about buying pr ... more
0 votes Share Flag Sun Feb 12, 2012 Home Buying in 60402
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