Home Buying in Derry : Advice

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HelpUBuy Ame…, Real Estate Pro in Coppell, TX
HelpUBuy America answered:
can I please schedule a viewing?
When your serious about buying a home the best place to start is to hire an EXCLUSIVE Buyer Agent, not just a Buyer's Agent. EBAs only work with homebuyers and there is never a conflict ... more
0 votes Share Flag Tue May 27, 2014 Foreclosure in Derry
Gena Powell, Real Estate Pro in 39564
Gena Powell answered:
How long does a listing agent have to respond to a question that will determine if I can get an RD loan?
When you are saying a RD loan or you talking about a USDA( Rural Development ) ? There is a web site that you can put the address in to verify if it qualifies. Most of the time when I h ... more
0 votes Share Flag Wed May 7, 2014 Home Buying in 03038
Kim Spanos, Real Estate Pro in Windham, NH
Kim Spanos answered:
I am looking to purchase a 3 bedroom home on a 2 bedroom septic. Is this a bad idea for resale?
Hi Laura,,

if you purchase a home with a 2 bedroom septic system; then it is a 2 bedroom home (legally).
We see a lot of this in the market and should be cautioned by it. There is ... more
0 votes Share Flag Thu Oct 17, 2013 Home Buying in Derry
Melissa Goss, Real Estate Pro in Center Moriches, NY
Melissa Goss answered:
what could happen if seller decides to back out 1 week before closing?
A big financial loss- likely you would get sued.
0 votes Share Flag Fri Jul 26, 2013 Home Buying in 03038
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
House just auctioned off today. I'm not on title, ex is. What are my rights? Am I considered a tenant?
If you are living there you have rights. You would be a formal tenant only if you have a rental agreement or lease, you are an occupant though and they will have to evict you. You would ... more
0 votes Share Flag Fri Jul 5, 2013 Foreclosure in Derry
Christina So…, Real Estate Pro in Morristown, TN
Christina Solorzano answered:
What are "Reserves Deposited to Lender" for?
Good Morning. It saddens me that your lender did not explain all fees on your GFE.

Reserves are deposited with the lender to create a cushion for any overages that may arise when t ... more
0 votes Share Flag Sat May 4, 2013 Home Buying in 03038
Dawn Harmon, Real Estate Pro in Manchester, NH
Dawn Harmon answered:
Can anyone shed some lights on 8 wallnut hill road, derry nh. My wife really likes this home but the price is sketchy.
Hi, the home is beautiful and had four offers on it within three days, all above asking price. It is currently under agreement and due to close within the next 30 days. If you would lik ... more
0 votes Share Flag Sun Mar 17, 2013 Home Buying in Derry
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
possible to get a personal loan from bank or credit union to pay the difference on a mortgage if we sell our house? probably would be about 20 k.
Yes, absolutely.

Hurrahs to you, Ellen. If you can swing this, you leave your home with your credit and your dignity intact. I applaud and congratulate you.

All the best,
0 votes Share Flag Sun Jul 29, 2012 Home Buying in Derry
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
What does zoning MHR2 mean?
In most towns that allow mobile homes it can be Mobile or Manufactured Housing Residential. Youmay want to contact the Derry townhall or simply ask teh listing agent how the zoning affe ... more
0 votes Share Flag Wed Apr 18, 2012 Home Buying in Derry
Marge Badois, Real Estate Pro in Londonderry, NH
Marge Badois answered:
me and my husband are looking for a rent with option to buy we are looking for something around 1000.00 a month in the derry raymond area
Renting with the option to buy is often a misunderstood concept and is handled in a WIDE variety of ways. There can be a formal arrangement with legal contracts determining the ultimat ... more
0 votes Share Flag Mon Feb 13, 2012 Home Buying in Derry
Dana Curtis, Real Estate Pro in Manchester, NH
Dana Curtis answered:
I'm trying to refinance my condex in Derry, and can't because of no recorded condo docs. What do I do?
Scott is correct. There had to have been condo docs recorded for the property. A title company will be able to help with that. In regards to the Master policy, there are some other t ... more
1 vote Share Flag Fri Dec 16, 2011 Home Buying in Derry
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
if Wachovia accepts my offer to buy one of their forclosed homes. on average how long does it take to actually close and get the keys to move in?
Crystal with bank owned homes here in NH it could be as little as 7 days if you are paying cash up to 45 days if you are getting a mortgage, the average for my sales is 30 days. If you ... more
0 votes Share Flag Mon Feb 28, 2011 Foreclosure in Derry
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Do both people applying for a mortgage loan need full time jobs?
Full time does not matter as job security does whether full or part time. You really need to meet with a local and trusted mortgage broker. They can prequailify you at no cost and let y ... more
0 votes Share Flag Fri May 14, 2010 Home Buying in Derry
Chuck Braxton, Real Estate Pro in Meredith, NH
Chuck Braxton answered:
I am interested in a home that is going to be auctioned off in June does anyone know the process and what
There are several things to be prepared for in an auction. First of all, it may not take place. If the property is listed for sale now, you may do better with a short sale than at auc ... more
0 votes Share Flag Tue May 12, 2009 Foreclosure in Derry
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
No DEED, What can I do?
i have received lots of emails from brokers in similar situations and i thought i would share them. The issue with ken is similar in that we are waiting for a signed deed to come from t ... more
0 votes Share Flag Mon Sep 8, 2008 Home Buying in 03038
Mary, Both Buyer and Seller in Londonderry, NH
Mary answered:
what is a condex?
Sean,

We have lived in a condex for 7 years now with no problems. We have a clause in our insurance policy that covers any loss occurring from the other side. We own our own land ( ... more
0 votes Share Flag Wed Feb 13, 2008 Home Buying in Derry
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