Home Buying in Holly Springs : Advice

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187bella00, Home Buyer in New York, NY
187bella00 answered:
how can a person on social security disability apply for a home?
I have multiple sclerosis and live on SSDI while im raising my 12yr.old son by myself,no child support. I live in northern calif.,san jose,and i want to know if the government has a pro ... more
0 votes Share Flag Sat Feb 21, 2015 Home Buying in 27540
USMortgageRa…, Real Estate Pro in Austin, TX
USMortgageRanger answered:
Renting a condo in Melbourne fl..paying 950 . on SSDI / lifetime workers comp settlement.I do not have a sown payment and want to buy. 1st time buyer
Hi Doreen,

Thanks for the post. When purchasing a home as Lender we will need to see two years of income and plans for the income to continue for at least three years. In your case w ... more
0 votes Share Flag Fri Jan 9, 2015 Home Buying in 27540
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Buying a home..
Kitin,
Any offer on a home should contain a period of time to address concerns like you had, a due diligence period. The amount of time can be negotiated, but should be enough for th ... more
1 vote Share Flag Fri Sep 12, 2014 Home Buying in Holly Springs
Nevin Willia…, Just Looking in
Nevin Williams, Sierra Pacific Mortgage answered:
I am 52, on SSDI and raising a 12 year old solo. Are there HUD or other government programs that will help me to buy a home?
Hello Jackjameswheels,

I'm a licensed loan officer in Raleigh North Carolina. I would recommend that you speak with the North Carolina Housing Finance Agency http://www.nchfa.com Ph ... more
0 votes Share Flag Tue Aug 26, 2014 Home Buying in 27540
Nevin Willia…, Just Looking in
Nevin Williams, Sierra Pacific Mortgage answered:
Can you get a new mortgage if you are collecting social security?
Hello Ritajo125,
Social Security Income (SSI) is considered stable income if it will be received for a minimum of three years. If you are in a lower income bracket and do not pay taxe ... more
0 votes Share Flag Tue Aug 26, 2014 Home Buying in 27540
Angel Garcia, Real Estate Pro in 27513
Angel Garcia answered:
Buyer's agent with buyer rebate?
Congratulations on your efforts and determination to pursue the savings our company is proud to provide. Agents are continuously facing a variety of added operational expenses not inclu ... more
0 votes Share Flag Mon Aug 25, 2014 Home Buying in Holly Springs
Mary Ann Wil…, Real Estate Pro in 27540
Mary Ann Wilson answered:
Foreclosure help
I am so sorry to hear about your situation. I would recommend you contact a real estate attorney, I would begin with the one who did your closing. I would check to see if you have title ... more
0 votes Share Flag Tue Jun 10, 2014 Foreclosure in Holly Springs
Pam Kastl, Real Estate Pro in Apex, NC
Pam Kastl answered:
Looking for Mls suite with kitchen
The previous post that indicated it is difficult to find these homes due to the inconsistent way they are marketed is correct. Doing a quick search for homes with "inlaw suite with sepa ... more
0 votes Share Flag Thu Mar 20, 2014 Home Buying in Holly Springs
Krista Abshu…, Real Estate Pro in 27540
Krista Abshure answered:
Can a registered sex offender that spent time in prison be allowed to purchase a home that is on ssi payments, yes the tax payers money ?
I do not believe criminal history affects loan eligibility.
0 votes Share Flag Sun Mar 2, 2014 Home Buying in 27540
brittneydhar…, Other/Just Looking in Cary, NC
brittneydhardison answered:
I really want to buy a house I've wanted to do this when my children were small.I have grandchildren now,and I'm still living in the same apartment my
There are numerous programs out there that do allow SSI income. At River Community Bank, N.A. we have programs available for first time homebuyers as well. Please feel free to call me a ... more
0 votes Share Flag Mon Feb 10, 2014 Home Buying in 27540
Krista Abshu…, Real Estate Pro in 27540
Krista Abshure answered:
I would like to purchase a home. I'm on ssi, how can I get a loan?
I would encourage you to speak directly to a lender. I have been told in the past that it should not make a difference if your income is from SSI or a full time job. I do believe the ... more
0 votes Share Flag Wed Feb 5, 2014 Home Buying in 27540
Krista Abshu…, Real Estate Pro in 27540
Krista Abshure answered:
I just posted a question....but I also wanted to ask ..if im on SSD and have good credit..couldn't I use my boyfriends income also to help buy a home?
Absolutely, but they will also have to consider his credit score and debt to income level as well.

Best of luck!
1 vote Share Flag Thu Aug 15, 2013 Home Buying in 27540
Krista Abshu…, Real Estate Pro in 27540
Krista Abshure answered:
ok...so with my disability income and good credit can I also use my husband to be's income as well to purchase a home?
I would recommend speaking to a lender, however in most cases this should be fine. There are often times when unmarried or engaged couples purchase homes together.

IF you would like ... more
0 votes Share Flag Thu Aug 15, 2013 Home Buying in 27540
Jerry &…, Real Estate Pro in Cary, NC
Jerry & Linda Boman answered:
Im on SSD and have been told I have good credit but because of my income I cant buy a home....is this true?
Lenders are concerned about your debt to income ratio. If your income comes from several sources , lenders want confirmation that these are permanent and can sustain your monthly mortga ... more
0 votes Share Flag Fri Jul 26, 2013 Home Buying in 27540
BRANJO8589, Other/Just Looking in Holly Springs, NC
BRANJO8589 answered:
can a person who has been convicted and is now a sexually offender get ssi or ssd?
You cannot be a convicted felon and receive SSI - SSDI - TANF. This information is from a family friend, I have not investigated their claims, therefore, I do not have confirmation.
0 votes Share Flag Tue Jul 23, 2013 Home Buying in 27540
Patricia Lof…, Real Estate Pro in North Carolina
Patricia Loflin answered:
Can someone recommend an app to use while driving in the holly springs/general raleigh area to see available homes?
the mobile app for Trulia. Are you working with an agent because it can be overwhelming. I would love to help you.
0 votes Share Flag Tue Jun 11, 2013 Home Buying in Holly Springs
Patricia Lof…, Real Estate Pro in North Carolina
Patricia Loflin answered:
I have a small All interest loan on my house, can I write the interest off on my taxes? Both my wife and I are on Disabilty.....thank you
I would talk with a tax professional concerning the interest.
0 votes Share Flag Sun Jun 9, 2013 Home Buying in 27540
Patricia Lof…, Real Estate Pro in North Carolina
Patricia Loflin answered:
How quickly are appraisers able to complete appraisals right now?
It depends on the appraiser, normally within five to ten business days.
0 votes Share Flag Sun Jun 9, 2013 Home Buying in 27540
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