Garrison : Real Estate Advice

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Bruno Tarqui…, Real Estate Pro in Greenbelt, MD
Bruno Tarquinii answered:
relocating Fl to MD for a great new job opprtnty. I'm worried my credit score will not enable me to. Will my new salary 27k to 60K help w loan?
Hi Ryan, I hope you were able to find your perfect home. If you happy to still be on the market by chance feel free to reach out to me. Would be happy to help!

All the best!
0 votes Share Flag Tue May 10, 2016 Home Buying in 21117
Bruno Tarqui…, Real Estate Pro in Greenbelt, MD
Bruno Tarquinii answered:
Please can somebody help me. I planning to buy home in 21117 area. I'm a first time home buyer. My credit score with 3 credit score bureaus is over 70
I'I hope you found your perfect home and it worked out for you. :-)
0 votes Share Flag Tue May 10, 2016 Home Buying in 21117
Bruno Tarqui…, Real Estate Pro in Greenbelt, MD
Bruno Tarquinii answered:
I just visited a Beazer Home community in Owings Mills and I was wondering if it is too late for realtor representation? No contract has been signed.
I completely agree with Kay-Marie. Going with your own Realtor representation is similar to going into court with your own attorney in that your representative will do everything they c ... more
0 votes Share Flag Tue May 10, 2016 Home Buying in 21117
Alysse Musgr…, Real Estate Pro in Coppell, TX
Alysse Musgrave answered:
I don't have a 401k - rather my money is in an IRA. Can I use any of these funds for a down payment on a home without penalties?
Yes, you can. But be careful not to take out your money too soon. You must use the IRA funds within 120 days of withdrawal.

Don't Let Them Make a Monkey Out of You! Follow the link ... more
0 votes Share Flag Sun Jan 10, 2016 Home Buying in 21117
USMortgageRa…, Real Estate Pro in Plano, TX
USMortgageRanger answered:
I have an FHA loan, the seller is asking for a conventional loan. Should get a conventional loan or keep the FHA and look for another property?
There are a few questions that comes to mind as a Lender when the seller is insisting what loan you should used. What is the seller hiding that will not past FHA stick guideline? Yes i ... more
0 votes Share Flag Wed Jan 28, 2015 Home Buying in 21117
Tanya Ess-Yo…, Real Estate Pro in Marietta, GA
Tanya Ess-Young answered:
I stopped working a year ago to help care for our son, my credit score is 720 but my wife is 660.She earns 140k a year. Can I be a co-applicant.?
Yes. This question however would need to be presented directly to a lender with your financial documentation in order for them to review it and present you both with a pre-qualification ... more
0 votes Share Flag Wed Dec 3, 2014 Home Buying in 21117
Kathy Burgre…, Home Owner in Westchester, NY
Kathy Burgreen answered:
Rent vs buying at age of 62
I'm a retired realtor & 60 yrs. so I know what you're dealing with. Here's some information & advice:
1. Your current home - if you own your home (no mortgage or very little left), h ... more
0 votes Share Flag Wed Nov 5, 2014 Rent vs Buy in 21117
Denise Harper, Home Buyer in Owings Mills, MD
Denise Harper answered:
Are there any areas in Owings Mills that don't have HOA/Community Assoc.?
Tollgate does not have HOA fees, although we do have an action group. There is NO Big Brother to tell you what kind of a mailbox you can have. It's a nice neighborhood.
0 votes Share Flag Sat Aug 2, 2014 Home Buying in 21117
Eunice Melvin, Real Estate Pro in Baltimore, MD
Eunice Melvin answered:
Looking to purchase home in owings mills. Credit score has improved greater than 640, but not confident in applying to lenders. I
You're on the right track. We have an in-house credit consultant to help you as well as grant sources. Give me a call.
0 votes Share Flag Fri Apr 18, 2014 Home Buying in 21117
Donna Heslop…, Real Estate Pro in Greenbelt, MD
Donna Heslop-Adams answered:
Can I charge tenant for losing potential new tenants due to extreme pet odor in home?
I had a client who experienced the same problem and had to replace all of the carpeting in the home after many attempts at professional cleaning and also losing potential future tenants ... more
0 votes Share Flag Thu Oct 10, 2013 Rentals in 21117
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
Are their investors willing to lease to own after forclosure?
Sure.

Assuming you can make the payments--have a steady job, not in trouble with the law--and have a reasonable up-front option fee, many investors would love to work with you.

He ... more
1 vote Share Flag Fri Sep 6, 2013 Home Buying in 21117
Greg Myers, Real Estate Pro in Gaitherburg, MD
Greg Myers answered:
Can I deduct from security deposit for violating the pet policy part of my rental agreement?
Yes if the violation of the pet policy was written or contained in the lease.

Greg
1 vote Share Flag Wed Aug 7, 2013 Rentals in 21117
Calvanaugh H…,  in Owings Mills, MD
Calvanaugh Hoskins answered:
Looking to purchase a home ( $580,000 - $650,000) and am wondering what the chances of approval are going fha considering...
I can review your credit and counsel you on the exact steps you need to improve your credit.

Also FHA has loan limits, however those limits are expanded for specific High Costs count ... more
0 votes Share Flag Fri May 24, 2013 Home Buying in 21117
Joseph,  in Columbia, MD
Joseph answered:
We seek advice regarding purchase of new townhouse in Owings Mills. Any information on HOA, ownership, renting?
Ishanahar

I don't know if you found your dream home but I work locally in my home office in Owings Mills MD and Office in Columbia MD. I can assist you in getting that home of your d ... more
0 votes Share Flag Fri Apr 19, 2013 Home Buying in 21117
Lisa Scott, Real Estate Pro in Bowie, MD
Lisa Scott answered:
Looking to buy Single Family in Owings Mills
I have worked with several homeownes in similar situations. Your options will vary depending on your actual cirmustances. Feel free to give me a call to discuss your specific situatio ... more
0 votes Share Flag Mon May 14, 2012 Home Buying in 21117
Paul Miller,  in Timonium, MD
Paul Miller answered:
I live in Owings Mills, MD and I am looking to buy a new home. I have some questions about Ryan and Ryland homes, and the resale value of townhomes.
Some good responses from the previous anwsers. You should be represented by any real estate agent as first time home buyers. There are many situations that come up when going through ... more
0 votes Share Flag Wed Jan 25, 2012 Home Buying in 21117
Greg Myers, Real Estate Pro in Gaitherburg, MD
Greg Myers answered:
Submiting a back up offer on a short sale
Go ahead and submit a "back up" offer to the short sale. You offer should be structured so the time frames on financing, home inspection even your earnest money deposit should ... more
0 votes Share Flag Thu Jan 12, 2012 Home Buying in 21117
Eric Lewis, Real Estate Pro in Columbia, MD
Eric Lewis answered:
My husband and I are looking to rent to own a home near owings mills in March/April. we are in need of some help.
I would be happy to help you in your search. Please give me a call and I will get some more information from you and we can start looking.
0 votes Share Flag Thu Jan 12, 2012 Home Buying in 21117
Paul Moffett, Real Estate Pro in Westminster, MD
Paul Moffett answered:
Should I buy a home that is priced $30k more than the Phase-In Assessments price?
Hello,
You cannot really put much into the tax assessment,many people contest them to get taxes reduced.
The best thing to go by is your appraisel.That is also just a picture in time ... more
0 votes Share Flag Fri Sep 10, 2010 Home Buying in 21117
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