Home Buying in Jefferson County : Advice

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John Burke, Real Estate Pro in Austin, TX
John Burke answered:
Investment property (single family) refi with 85-90% LTV
Hi Ronjon,

Unfortunately you're stuck with the 75% max on the LTV because that's the max Fannie Mae & Freddie Mac will allow.

Now the good news is your wife's ex may still be able ... more
0 votes Share Flag Wed Aug 26, 2015 Investment Properties in Louisville
Jeff Prow, Real Estate Pro in 40065
Jeff Prow answered:
What's the minimum credit score to qualify for a mortgage?
We now have programs that go into the low 500's. Every loan has it's criteria but I would be more than happy to look at it for you.

Jeff Prow
502-400-6124
First Rate Mortgage
0 votes Share Flag Wed Aug 26, 2015 Home Buying in 40214
Jeff Prow, Real Estate Pro in 40065
Jeff Prow answered:
I'm looking to buy a home with my boyfriend and was wondering what we need to do in order to get a first time home owners loan?
Andrea,
We can go over the different options that you would have as a first time home buyer. There are several different options that you would have to chose from, and we can assist ... more
0 votes Share Flag Wed Aug 26, 2015 Home Buying in Louisville
Jeff Prow, Real Estate Pro in 40065
Jeff Prow answered:
Looking to buy a home in the cloverleaf,beechmont,Shawnee park ,area worked very hard to clear my credit would like to have an agent to guide me throu
Johnnice,
We are a broker and a lender, we have programs that help with previously damaged credit.
Feel free to call or email.

Thanks
Jeff Prow
502-400-6124
jeff@frmloans.com
0 votes Share Flag Wed Aug 26, 2015 Home Buying in Louisville
Greg Shelbur…, Real Estate Pro in Louisville, KY
Greg Shelburne answered:
Where to buy first home?
It's still a great time to buy in Germantown. There is some inventory, and a ton of buying interest so the price is steadily rising as it is in a lot of markets currently due to the l ... more
0 votes Share Flag Mon Aug 17, 2015 Home Buying in Louisville
Brian Taylor…, Real Estate Pro in Louisville, KY
Brian Taylor Clark answered:
Home inspection - first time buyer.
Doug Smith, Shane O'Leary or Bob English are all excellent inspectors in the Louisville market. My clients have all had positive things about each of them.
0 votes Share Flag Tue Jul 28, 2015 Home Buying in Louisville
kitsanders28…, Home Buyer in Haltom City, TX
kitsanders28@hotmail.com answered:
Why did HUD quit using Bidselect to market their foreclosures?
kfwhat do I do to buy through Bidselect? I am interested in two locations.....kit 817-724-2853
0 votes Share Flag Sat Jun 20, 2015 Foreclosure in Louisville
Fritts Chris…, Real Estate Pro in Virginia Beach, VA
Fritts Christopher answered:
does a mortgage still have to be paid if it is charged off by the servicer?
When you default on your second mortgage, lenders will usually charge it off. This can take anywhere from 120-180 days after your first missed payment. A "charge off" is an accounting t ... more
1 vote Share Flag Sun Jun 7, 2015 Home Buying in Louisville
Fritts Chris…, Real Estate Pro in Virginia Beach, VA
Fritts Christopher answered:
does a mortgage loan still have to be paid off if it is charged off?
When you default on your second mortgage, lenders will usually charge it off. This can take anywhere from 120-180 days after your first missed payment. A "charge off" is an accounting t ... more
0 votes Share Flag Sun Jun 7, 2015 Home Buying in Louisville
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
POC question: Who gets the appraisal fee back?
Generally your purchase contract will state in a firm dollar amount how much the seller is paying towards your closing costs and prepaid items. Example - $4000 or 3% of the purchase pri ... more
0 votes Share Flag Thu May 28, 2015 Home Buying in 40258
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
Buying a home and walking away before closing.
Walking away altogether might cost you your earnest money deposit (plus what you've already spent on appraisal and inspections), unless the condition of the property is no longer accept ... more
0 votes Share Flag Wed May 27, 2015 Home Buying in Louisville
Tbrookspilli…, Home Buyer in Louisville, KY
Tbrookspilling asked:
Listing agent holding offer and/or lying about other offers. A foreclosure has been on the market for nearly 70 days and I put a offer in for about 12% off list. Offer submitted on a Wednesday with a Friday 5pm deadline and the listing agent didn't…
0 votes Share Flag Wed Apr 15, 2015 Home Buying in Louisville
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
Maybe our many great lenders in our market can help our buyers on Trulia. What three things can a "buyer" do BEFORE coming to see you?
The following is a list of documents that may be required to process your mortgage loan:

One full month’s worth of pay stubs
Last 2 years W-2?s
Last 2 years tax returns
Last ... more
0 votes Share Flag Sat Feb 14, 2015 Credit Score in Louisville
Devin Veith, Real Estate Pro in Louisville, KY
Devin Veith answered:
My parents house is in foreclosure. My father vacated the home almost a year ago. He died suddenly last week. Who do I contact if anyone?
Sorry to hear that. You can try contacting the lender or foreclosing attorney to see what your options are. Depending on what stage of the foreclosure process the house is in, you migh ... more
0 votes Share Flag Thu Feb 5, 2015 Foreclosure in 40218
Jean-Leon Ma…, Real Estate Pro in Tempe, AZ
Jean-Leon Magnotto answered:
Do You as a buyer or seller in the Louisville area have a question you want answered now? I am ready to help.
This isn't the venue for advertising, try writing a blog !
1 vote Share Flag Thu Jan 22, 2015 Home Buying in Louisville
Simon Campbe…, Real Estate Pro in Miami Beach, FL
Simon Campbell answered:
I had a foreclosure in 11/2011 after a job loss. My credit is now hovering around the 640 mark. Would it be possible to buy again soon?
The average waiting period after a foreclosure is between 5 to 7 years. If you have extenuating circumstances it can be cut down to 3 years - such as a situation like a job loss.

FHA ... more
0 votes Share Flag Thu Jan 8, 2015 Home Buying in Louisville
Tim Moore, Real Estate Pro in Kitty Hawk, NC
Tim Moore answered:
home is for $149,900 i am approved for $135,000 need seller to pay closing cost how likely will this happen really would like to offer $130K
You want to offer $20,000 less and then have them pay closing costs too? $130k is 13% less than list price and if you add another $5k in closings cost you are offering them 16% below as ... more
0 votes Share Flag Wed Dec 17, 2014 Home Buying in Louisville
Diane Christ…, Real Estate Pro in Sarasota, FL
Diane Christner answered:
I am a first time homebuyer, and I was wondering how the home buying process works exactly.... Not sure what steps we should take & when...
Hi Shayna,

The home buying process can be intimidating for a first time home buyer. Where to begin? How do I find the right home? When should I apply for a mortgage? What about c ... more
0 votes Share Flag Sun Nov 16, 2014 Home Buying in Louisville
garypuntman, Other/Just Looking in Los Angeles, CA
garypuntman answered:
Do buyers need to get a survey for their property?
I'm not sure if they need to. I think that it is a good idea to just in case though. You will want to look into this more and see if there are reasons why you will need to have someon ... more
0 votes Share Flag Wed Oct 22, 2014 Home Buying in 40229
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