I looked at some previous sales in Bryan Cove and one just sold in Nov and was listed for 2 months. There were two sales in 2014 and both places were on the market 4-6 months. Can't really give you a definite time. As far as giving you a price, you can contact a local agent so they can do some comps of the area and physically see your house. Just remember you want it in the market and not just on the market. Price is key.... more
This may be too old to answer but I work with a couple of lenders and I know the one will do a loan at 620 minimum credit score. The other one likely will as well as i believe it is 630. Of course the rate won't be the 3.8-ish they can do but still would be proportionately competitive. Let me know if you are still in need and I can refer you to them......
To begin improving your credit score, you would need to contact each of your creditors directly to see what your options are. Paying off derogatory debt will help improve your credit score in the long run, but not immediately.
With collection accounts, most of the damage is done when they are initially placed on your credit report. Some collection companies are now reporting you are late each month the debt goes unpaid. This continues to drag on many peopleâ€™s credit scores each month until the debt is paid in full. Until you do that, your credit score has little chance of improving.
In exchange for paying the collection account in full, you can try to negotiate to have them completely remove the derogatory item once the payment is received. Some collection agencies will do this, while others will not. You will just have to ask each one and see. If they will not remove it, just having it paid and closed will help in the long run.
All liens and judgments will also need to be paid in full. These impact the title position of a mortgage so they must be satisfied.
It is very important that you be VERY careful in disputing accounts. You cannot dispute accounts which you know to be accurate. For a mortgage, you cannot have an active and open account that has a disputed status. Fannie Mae/Freddie Mac/HUD all have very specific guidelines to be followed when a borrower has an account in a disputed status. In some cases, it could cause you not to be able to qualify.
To build positive credit, you typically need to have 2-3 trade lines reporting for 12-24 months. There should be no late payments or other derogatory items reported in the last 12-24 months. On your Revolving credit accounts, your outstanding balance on your monthly statement should not exceed 30% of the credit limit.... more
It all depends on your contract. Some houses are only sold as is, but most purchase agreements have clauses written into them to allow you to get the home inspected within a reasonable time frame and back out of the deal if there is ANYTHING that does not meet your satisfaction. Check your purchase agreement and consult with your Realtor... more
If you are looking for tax information in Columbia County go to www.columbiacountyga.gov, click on maps online (1/2 way down page in the middle), upper right hand corner click on parcel search then type in the address.
If you are looking in Richmond County go to www.augustaga.gov... same steps from above!
My suggestion would be to get yourself into a rental, live there for a few months, then if you really like the place make an offer to purchase to the owner. On a rent to own you most likely will not have your rent going towards the purchase in any substantial way. The money you will save by negotiating later will be more than made up! Rent to own or owner financing is almost always slanted towards the seller.... more