La Salle County : Advice

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Franceakite, Home Buyer in Dallas, TX
Franceakite answered:
How do I become a REO Contractor??
Do some research about agents in your area that specialize in listing bank owned properties by looking thru local real estate magazines and newspapers. Agents usually advertise these pr ... more
1 vote Share Flag Wed Jun 10, 2015 Home Buying in Ottawa
Mason Taylor, Home Buyer in Ottawa, IL
Mason Taylor answered:
Why do lenders wait until the very last minute to tell you that your mortgage isn't going to be approved?
The reason for the usda pulling out was because the well was too close to the septic. But still within building code. Okay whatever I've got the money saved up to do %5 down. They ... more
0 votes Share Flag Tue May 19, 2015 Home Buying in Ottawa
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
Lender pulled funding...what to do now?
A suggestion from my understanding...

While two years is the rule, it is typically not with your current employer but work history in the same field. For example, if you worked for ... more
1 vote Share Flag Tue May 19, 2015 Home Buying in Ottawa
Mason Taylor, Home Buyer in Ottawa, IL
Mason Taylor answered:
Switching from usda to conventional loan. How does it work?
Addt. I will be putting %5 down, lender minimum. Paystub, bank statements, stuff that expires has all been updated because the closing was going to be pushed back because or the seller ... more
0 votes Share Flag Sat May 16, 2015 Home Buying in 61341
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
2 business days before closing is suppose to take place. I get a call from my loan officer saying that they need verification from a previous
Is this a USDA loan or some other type of mortgage where having too much income could disqualify you? That's the only plausible reason I can think of that they would ask for that.

I ... more
0 votes Share Flag Wed May 6, 2015 Home Buying in 61364
Mason Taylor, Home Buyer in Ottawa, IL
Mason Taylor answered:
USDA appraisal - mold inspection
I'm referring to the lender as "they". I'm perfectly fine with paying for the mold inspection and associated costs. What I'm asking though is if the USDA apprai ... more
0 votes Share Flag Sun Apr 19, 2015 Home Buying in Streator
Javier Monti…, Real Estate Pro in Covina, CA
Javier Montiel answered:
How do I list pictures if home I am trying to sell?
If this is FSBO Trulia doesn't allow it. If you are working with an Agent they can manually do it for you.
0 votes Share Flag Thu Apr 9, 2015 Home Selling in Streator
Aaron & Cher…, Real Estate Pro in Eau Claire, WI
Aaron & Cheree Tiry answered:
Interested in an updated 1-2 bedroom apt. in Ottawa - preferably with garage and community pool/gym. Does that exist?
Have you checked out the "rent" section at the top of Trulia? There may be something in there. Otherwise you could also check Craigslist.com to see what they have for posted for renta ... more
0 votes Share Flag Fri Jan 30, 2015 Rentals in Ottawa
Patty Harris…, Real Estate Pro in Naperville, IL
Patty Harrison answered:
How can I acquire a mortgage on new construction modular home, with poor credit? I have a large down payment and a good cosigner if necessary.
Hi Cory:

We may be able to help you. We offer financing for scores as low as 560. Please call or email me with more information.

I look forward to helping you!

Best regards,
... more
0 votes Share Flag Wed Sep 10, 2014 Financing in Ottawa
Wk.blanchard, Home Buyer in Naperville, IL
Wk.blanchard asked:
Is an open pit mine possible next door? We had been looking for property in communities along the Illinois river, but have since learned about the fracking boom and need for the area's sand. So there is also a boom in sand…
0 votes Share Flag Mon Jul 14, 2014 In My Neighborhood in Ottawa
Laura Karamb…, Real Estate Pro in Downers Grove, IL
Laura Karambelas answered:
Where can I find home flooding history in Ottawa for individual houses. Some of these homes are very old and I wonder if a record was kept going back
Hi Karen -

Below is an information page for Ottawa IL. It references LaSalle County flood maps as well as pages from FEMA. You can search property locations and maps through variou ... more
0 votes Share Flag Thu Apr 24, 2014 Home Buying in Ottawa
Cyndi Wheeler, Home Buyer in Streator, IL
Cyndi Wheeler answered:
Is this a Woodland or Streator School Dis?
The grade school is Otter-Creek Allen, and it is located in town. They go through 8th grade. High School is Streator district.
0 votes Share Flag Tue Mar 11, 2014 Market Conditions in Streator
Ed Garfield…, Real Estate Pro in Buffalo Grove, IL
Ed Garfield and Matt Shekarloo answered:
We are looking for 2 bed apartment for rent to move in this weekend.We tried a few and most of them are full in Ottawa.
Please contact me with your parameters, and I quickly will refer your request to our office in Ottawa.
0 votes Share Flag Fri Jan 31, 2014 Rentals in Ottawa
Suzanne Hami…, Real Estate Pro in Orland Park, IL
Suzanne Hamilton answered:
Has anyone used auction.com? It seems very risky, how do you find out what the reserves are and why can I only pay cash?
Yes I have used it and It is legitimate. Few things you need to watch though. You need to do your inspection up front, so that will cost you money even if you don't get it. And you need ... more
0 votes Share Flag Tue Jan 28, 2014 Home Buying in Tonica
Phil Makarew…, Real Estate Pro in Ottawa, IL
Phil Makarewicz answered:
Ottawa assessed values appear to decrease each year for the same owner. Is the tax basis of homes in Ottawa amortized causing the decrease each year?
Assessed values have been decreasing in the last 3-4 years due to the market decline. Overall market has dramatically improved in the last year and values jumped up by around 12%. Man ... more
0 votes Share Flag Thu Dec 19, 2013 Home Buying in Ottawa
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
Has anyone sold a home to a USDA/RHS Loan backed buyer?
Any of the following items will result in a Kentucky Rural Housing USDA loan denial:



-A credit score below 640 (middle score) of any applicant
- Chapter 13 Bankruptcy discharge ... more
0 votes Share Flag Sun Dec 8, 2013 Home Selling in 61350
Ashley Pimen…, Real Estate Pro in Lombard, IL
Ashley Pimentel answered:
Interested in a home that just came on market not listed. Prefer not to put details online. How can I find the price and take a look?
The first step to home buying is to become pre-approved for a mortgage loan. I would be more than happy to assist you with this, if you haven't done so already. I work with over 40 lend ... more
0 votes Share Flag Tue Nov 26, 2013 Home Buying in Streator
jenniferleon…, Home Owner in Ottawa, IL
jenniferleonard7 answered:
We are looking for a house to rent or rent to own in Ottawa is there any property managers in Ottawa we can contact?
I have a 5 bd, 3 ba with 2 car garage, fenced yard, finished basement with bar and newly remodeled kitchen for 1200 month. south side, quiet neighborhood, Lincoln school. 815-343-2406. ... more
0 votes Share Flag Tue Nov 26, 2013 General Area in Ottawa
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
for a first time buyer what advice you give me if my credit score is very pooor 537
First, I would recommend getting your score up about 43 points. Your credit score is really low but lenders like myself are able to do loans with credit scores as low as 580. So if you ... more
0 votes Share Flag Fri Sep 20, 2013 Home Buying in La Salle
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