Your very best bet really is MSI (Mortgage Services). They hand-pick their loan reps very carefully, and I have had great experiences with several of them. We (agents) deal with a LOT of lenders each year, and we are usually VERY careful about referrals... Each time we refer someone to another professional, we put our own reputations on the line. When you have multiple agents suggesting the same place, there's a very good set of reasons for the suggestions. Keep in mind, we (agents) do NOT get anything in exchange for these referrals. That practice is unethical, immoral, and ILLEGAL. We are only going to refer you to someone (or a specific company) if we truly feel that you will be happy there. Many of us have come to trust the folks at MSI, over the years, and we know that they work hard to take good care of you. If you would like a personal referral, I will be happy to send my favorite loan rep your direction. Just let me know.
Of course, when you find yourself ready to start your property search, please keep me in mind. My client feedback is second to none, and you can read the reviews in my Trulia profile.
Good luck with your mortgage hunt. Remember, we are all here to give advice, if you find yourself struggling. :-)
Grant money is great for first time buyers. The short answer is yes! New FHA requirements require PMI for the life of the loan. There are better programs out there if you have the right credit scores. Fannie Mae my community conventional loans might be a better choice.... more
Hi, my name is Greg Zavitz, and being a Real Estate agent/Realtor I always think it is best to own a home, especial now with rates at historic lows. I have been marketing real estate and helping buyers find their 1st home for 27 years and have never seen a better time to buy. There are some great deal to be had, interest rates are soooo low, and there is a good supply of inventory. I think that if you are going to be in the area for at least 2 more years and can afford to own a home, buy one. You should be relatively safe on the downside and have a huge possible upside potential. As you know, there are no guarantees, but Bloomington Normal's market is very stable, has been and should continue to be. Please contact me if I can be of any help to you or if you have further questions. I would love to show the both of you some homes.
If your credit is not good you may have to wait a couple of years before applying for a loan. Try to improve that credit rating by making your payments on time, etc. It's hard to give you a complete answer because I don't know what your credit score is. You need to visit with a loan officer and find out where you're at. Let me know if we can help.... more
Almost everything is negotiable, but it should state in the listing information which items stay with the home. If you are inquiring about a specific property I would be happy to look into it for you.
Mary Borth @ 309-830-6378 or www.SellingBN.com... more
Sure just ask to sign an exclusive agency listing agreement and not an exclusive right to sell. This way you can still list your home by owner on other web sites and hopefully sell and pay a lower commission.... more