60435 : Advice

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Bob Brandt R…, Real Estate Pro in Schaumburg, IL
Bob Brandt Re/Max 847-230-7303 answered:
Help! Where can I find an affordable apartment (under $1000/mo) in IL that is nice, but does not have amenities (I don't use any of the extra stuff)?
Your Realtor could tell where the best local choices are. Go meet with them or call one today for help.
0 votes Share Flag Tue Oct 28, 2014 For Rent in 60435
Patty Harris…, Real Estate Pro in Naperville, IL
Patty Harrison 630-854-3459 answered:
Hi, My credit scores are currently around 666. My wife and i are first time home buyers . Problem is we don't have the standard 20% down payment.
Hi John:

Lenders do not require you to have 20% down. If you are a Veteran or in a Rural designated area, you can get 100% financing. With your credit score, we would be able to he ... more
0 votes Share Flag Wed Sep 10, 2014 Home Buying in 60435
Matt Persick…, Real Estate Pro in Shorewood, IL
Matt Persicketti answered:
Have you used this Inspection Company and would you reccommend them...
I have had multiple clients use Accurate Home inspection of Illinois and I would highly recommend them! Thorough, polite and exceptionally informative.
0 votes Share Flag Mon Feb 17, 2014 Home Buying in 60435
Ashley Pimen…, Real Estate Pro in Illinois
Ashley Pimentel answered:
How long should my husband and I wait after bankruptcy to get a small home loan around 100,000 with 10% down and our credit scores are in mid 600's?
Hello Kim,

Unfortunately for a Chapter 7 Bankruptcy, you would have to wait until it has been 2 years from the discharge date. Feel free to contact me with any other questions.

Th ... more
0 votes Share Flag Wed Jan 15, 2014 Home Buying in 60435
Suzanne Hami…, Real Estate Pro in Orland Park, IL
Suzanne Hamilton answered:
How long should my husband and I wait to get a small home loan around 100,000 with 10% down and our credit scores are in mid 600's?
Kim

Why wait? Interest rates are only going to increase slightly and so will prices. Now is the time. You should be able to get a loan under those circumstances.
0 votes Share Flag Wed Jan 15, 2014 Home Buying in 60435
Lou Moli, Real Estate Pro in 60031
Lou Moli answered:
I would like to know when can I purchase a home after short sale? It will be 3 yrs June 2014. Can I qualify for conventional or FHA? USDA?
The answer is now.

Hi,

Thank you for your interest in the 2BR home at Louis Rd in Joliet, available for $699/month to rent
or $600/month to buy on an installment contract.

Y ... more
0 votes Share Flag Sat Nov 9, 2013 Home Buying in 60435
Peter Kedzior, Real Estate Pro in Arlington Heights, IL
Peter Kedzior answered:
We have a bk that is 2yrs discharged a short sale that is 18 months ago, we would like to purchase a home. How much would we need to put down?
A client of mine was able to obtain a mortgage just 26 months after bankruptcy discharge and less than 3 years after he lost his previous home to foreclosure. So, you have a chance of g ... more
0 votes Share Flag Tue Sep 17, 2013 Home Buying in 60435
Michael Sims, Real Estate Pro in Joliet, IL
Michael Sims answered:
What is the catch with companies that advertise they will buy our "unsellable" home quickly and painlessly?
Jen,
There are a number of stipulations that LICENSED brokers have when listing a house with a guaranteed purchase plan. Basically the purchase price must be stated in listing agreeme ... more
0 votes Share Flag Mon Mar 25, 2013 Home Selling in 60435
Michael Sims, Real Estate Pro in Joliet, IL
Michael Sims answered:
how does homestead apply, where a widow was never on any title, loan or document as an owner? The house is
The best thing you can do is check with an attorney who handles family law and real estate. It is fairly easy to check the local county recorder to see if she has any recorded interest ... more
0 votes Share Flag Mon Mar 25, 2013 Quality of Life in 60435
Riccardo War…, Real Estate Pro in Downers Grove, IL
Riccardo Wardlow answered:
My husband and I would like to purchase a home but have bk discharged 2 years and short sale for a 17 months. We would like to know is it possible to
2 years after that BK. As far as the short sale goes, it depends on how it reports on credit. If it is reporting as a foreclosure then you are going to have to wait 3 years past the dat ... more
0 votes Share Flag Thu Jan 24, 2013 Home Buying in 60435
Patty Harris…, Real Estate Pro in Naperville, IL
Patty Harrison 630-854-3459 answered:
Can someone please tell me about non-conforming loans? My husband and I would like to purchase a home.
Hi Marie:

I am a local broker and may be able to help you. We work with lenders that will go as low as a 580 score. Please call or email me to get started.

I look forward to wor ... more
0 votes Share Flag Tue Jan 22, 2013 Home Buying in 60435
Jennifer Sny…, Real Estate Pro in Wheaton, IL
Jennifer Snyder answered:
My husband and I filed for bk 2 yrs ago short sale also which will be 2 years in 2013 if we put down 20% can we purchase a home?
You sound like you could be very close. It would be best to speak with a qualified loan officer to understand exactly where you are in the process. I would be happy to share some name ... more
0 votes Share Flag Fri Jan 18, 2013 Home Buying in 60435
Jennifer Sny…, Real Estate Pro in Wheaton, IL
Jennifer Snyder answered:
Where besides Joliet are quality Catholic schools with an affordable housing market, i.e. updated homes under $300k?
Downers Grove will also have options for you as well. Benet Academy is near and there are a couple of grade schools as well.
0 votes Share Flag Fri Jan 18, 2013 Home Buying in 60435
David Hennes…, Real Estate Pro in Crest Hill, IL
David Hennessey answered:
It will be 2 years since I filed chapter 7 and 1 year since my short sale. When will I be able to buy a home with homepath, fha, or conventional?
I have a few sellers who will sell NOW with the proper down payment by doing a land contract. Call me at 815-347-4203, Dave Hennessey, Krueger Realty. E-mail me ; djhresults@comcast.net
0 votes Share Flag Fri Oct 5, 2012 Home Buying in 60435
Carmen Carter, Real Estate Pro in Joliet, IL
Carmen Carter answered:
Anyone know if NACA helps people who are self employed save their home?
NACA absolutely helps self employed people. I am self employed (a Realtor) and I bought my first home through NACA. I am still very active with the organization. If you need a direct co ... more
0 votes Share Flag Thu Sep 6, 2012 Foreclosure in 60435
David Hennes…, Real Estate Pro in Crest Hill, IL
David Hennessey answered:
My husband and I visited a new builders office, I signed the register card with my name on it ,but he will be on the loan can we still use a agent?
Most builders will honor a realtor after a initial visit because of fearing the loss of the sale. I have many years of experience with new construction, Feel free to contact me at 815-4 ... more
0 votes Share Flag Tue Jul 10, 2012 Home Buying in 60435
Marie, Renter in Joliet, IL
Marie asked:
I would like to know are builders in Joliet, IL negotiating on inventory homes? My husband and I would like to purchase a inventory home and ,I would like to know are they negotiating in Joliet IL?
0 votes Share Flag Tue Jul 10, 2012 Home Buying in 60435
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
what bank will approve rent to own property?
You may want to read up on the subject, it isn’t what you think it is. Real estate isn’t the same as renting to own a couch or tv. See the info I linked for you below, g ... more
0 votes Share Flag Wed Jun 20, 2012 General Area in 60435
Michael Cline, Real Estate Pro in Chicago, IL
Michael Cline answered:
I am looking for a 50k mortgage with 10% down. My current DIR is high, but my credit is good.
Sushine,

As long as you're selling your existing residence, then your DIR (debt-to-income ratio) will be less of an issue. If you are going to keep the home and rent it out, th ... more
0 votes Share Flag Tue Feb 22, 2011 Home Buying in 60435
John Walin, Real Estate Pro in Libertyville, IL
John Walin answered:
If a house is appraised at a higher price than it is selling for is the differance considered as part of the down payment?
No, the difference between appraisal and sale price is not considered part of your down payment as a buyer. You need to come up with a percentage of the purchase price. That said, the ... more
0 votes Share Flag Thu Feb 17, 2011 Home Buying in 60435
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