Home Buying in Jefferson County : Advice

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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
justbrad987, Home Buyer in Louisville, KY
justbrad987 asked:
Where to buy first home? We are interested in buying our first home soon. We are looking at the Germantown/Schnitzelburg or Shelby Park neighborhoods. But, we want a home that is going to appreciate in value. How…
0 votes Share Flag Sun Feb 8, 2015 Home Buying 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 Camelback East, Phoe...
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 Nags Head, 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
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
Do you think House Hunters is an honest depiction of how a Realtor works?
entertainment movies do not reflect reality. Antique Road Show=House Hunter=fiction
0 votes Share Flag Mon Oct 13, 2014 Home Buying in 40229
Cynthia G Ke…, Real Estate Pro in Louisville, KY
Cynthia G Kelly answered:
Why are prospective buyers so fearful of meeting with loan advisor? What should realtors do to remove this fear?
I would have to say that at least 95% of home buyers going to meet with their loan officers for the first or second time experience fear. It's a very natural human reaction because most ... more
0 votes Share Flag Fri Sep 26, 2014 Home Buying in 40207
Rachael Hold…, Real Estate Pro in 40207
Rachael Holden answered:
which neighborhoods are the most up and coming in Louisville now? Condos and single family homes.
I'd love to help you. Feel free to contact me through my Trulia profile.
0 votes Share Flag Fri Sep 5, 2014 Home Buying in 40207
Nick Ellis, Real Estate Pro in Louisville, KY
Nick Ellis answered:
Where can I find the date my home was foreclosed on?
It can be looked up on the PVA site. You have to have a login which I can handle if you would like to give me a call. 502-371-5005 *I say the PVA because we can pull the deed copy qui ... more
0 votes Share Flag Tue Aug 5, 2014 Foreclosure in 40222
Michael Thac…, Real Estate Pro in Louisville, KY
Michael Thacker answered:
Is Lake Forest still a great place to raise a family?
Absolutely and near by Copperfield is very nice too, as are several neighborhoods in that area.

If you want to do a online search, you can via my website which is linked to the local ... more
0 votes Share Flag Fri Aug 1, 2014 Home Buying in 40245
HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
What is the first thing I should do when deciding to buy a home?
This is an agent posting this question, but I'll play along. Contact www.naeba.org for a referral to an Exclusive Buyer's Agent in your area. EBAs are consumer advocates for the homebuy ... more
0 votes Share Flag Thu Jul 24, 2014 Home Buying in Louisville
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
My Father and Mother passed away - my name is not on deed at all. The bank won't work with me, I have missed 2 payments...
Yours is not an unusual story. I had a client who had fallen behind in her payments because she was ill. While she was in the hospital, the bank decided she had 'abandoned' the home, ... more
0 votes Share Flag Mon Jul 21, 2014 Foreclosure in 40218
Tammy Hayes, Real Estate Pro in Port Charlotte, FL
Tammy Hayes answered:
are there lease with option to buy homes on this site?
Contact a local Realtor and they can set you up in the MLS system to receive listings that are rent to own or offer seller financing.
0 votes Share Flag Tue Jul 8, 2014 Home Buying in Louisville
HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
negotiating a purchase
When you want to buy 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 of intere ... more
0 votes Share Flag Wed Jul 2, 2014 Home Buying in Louisville
Noel Harris, Real Estate Pro in Louisville, KY
Noel Harris answered:
As a home buyer, what are you looking for in a REALTOR?
There are 6 things you should get from your Realtor and it is known as Fiduciary Duties:

1. Obedience
2. Loyalty
3. Disclosure
4. Confidentiality
5. Accounting
6. Reasonable Car ... more
0 votes Share Flag Tue Jul 1, 2014 Home Buying in Louisville
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Foreclosure question-living in late parents home-my name is not on deed.
Follow the advice of your attorney. This is pretty much standard procedure when someone stops paying mortgage payments. Is there any equity in the house? Would you inherit the equity ... more
1 vote Share Flag Sat Jun 21, 2014 Foreclosure in 40218
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