Home Buying in Shelby County : Real Estate Advice

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June Buerkle, Home Buyer in Chattanooga, TN
June Buerkle answered:
My girlfriend and I have purchased a home.. well, I have purchased a home and my girlfriend will be living in it and paying for half of things...
As Sally said ... just because her name can't be on the loan ... doesn't mean it can't be on the deed.

But be honest with yourself, the headache isn't due to the ... more
1 vote Share Flag Wed Jun 29, 2016 Home Buying in 35007
Invstnlfp, Home Buyer in New York, NY
Invstnlfp answered:
I have plenty of money to put down on a new home, 10k plus. My credit is below a 600 according to my bank and I cannot get approved.
I am state and federally licensed to write mortgages in 31 states for a top direct lender in the mortgage industry who offers conventional, FHA, VA, and USDA loans. We keep your info pr ... more
0 votes Share Flag Mon Jun 20, 2016 Home Buying in 35242
 Wawangood, Real Estate Pro in New York, NY
Wawangood asked:
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0 votes Share Flag Fri Apr 8, 2016 Home Buying in 35114
 Wawangood, Real Estate Pro in New York, NY
Wawangood asked:
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0 votes Share Flag Fri Apr 8, 2016 Home Buying in 35114
 Wawangood, Real Estate Pro in New York, NY
Wawangood asked:
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0 votes Share Flag Fri Apr 8, 2016 Home Buying in 35114
 Wawangood, Real Estate Pro in New York, NY
Wawangood asked:
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0 votes Share Flag Fri Apr 8, 2016 Home Buying in 35114
 Wawangood, Real Estate Pro in New York, NY
Wawangood asked:
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0 votes Share Flag Fri Apr 8, 2016 Home Buying in 35114
Alan May, Real Estate Pro in Evanston, IL
Alan May answered:
Should I cancel all my credit card before purchasing a house.? I have one card.
I'm a bit confused by your question. You ask if you should cancel "all of your credit cards"... but you only have one.

No, do not cancel your credit card... don't do anything differ ... more
0 votes Share Flag Mon Apr 4, 2016 Home Buying in 35124
Bbaldwin1010, Home Buyer in Alabaster, AL
Bbaldwin1010 asked:
I recently signed up with ceeditrepair.com and I think that we can have our credit improved within the next 3. months. Currently my score is 541 and my husband's is 530. We want to move out of our apartment in October, where we are paying $835 p/month. Do we have a chance at buying a condo/townhome by October?
0 votes Share Flag Mon Feb 1, 2016 Home Buying in 35007
porter3635@y…, Home Buyer in Helena, AL
porter3635@yahoo.com answered:
I am a first time home buyer looking to buy a house in Pelham, Alabama (Shelby County). IS it customary for sellers to pay closing costs?
Yes sometimes sellers will pay closing cost and if it is requested by the buyer. a rough estimate about $3,500.00. I am a realtor in the Shelby county and surrounding area of Alabama. ... more
0 votes Share Flag Sun Nov 29, 2015 Home Buying in 35124
Parrotsofpel…, Home Buyer in New York, NY
Parrotsofpelham asked:
We have been renting our house for two years to build credit and down payment. We are due to close in a week and the selleris asking for rent. We had a renters lease when we moved in but it eexpired over a year ago and was never renewed. All contracts have been signed we are kust waiting on the bank to do what it needs to do. Do we…
0 votes Share Flag Sat Apr 11, 2015 Home Buying in 35124
Esther D Carr, Other/Just Looking in Georgia
Esther D Carr answered:
i would like to purchase a house in the country with the owner or seller financing it for me.... I can pay 5 - 7,000 down......can anyone help?? t
Hi, I might suggest to you my son's home at: 431 Homestead Drive, Wilsonville, AL 35186. You can see pictures on realtor.com, zillow.com.

Am contacting agent to check why no pictu ... more
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Wilsonville
Neesiebelle, Home Buyer in Alabaster, AL
Neesiebelle answered:
My name is on a deed to a house but my name is not on the mortgage. I f the house goes into foreclosure can I be held responsible?
If your name is on the deed you have ownership. Since you have ownership you would have been required to sign the mortgage. This is the document that allows the lender to place a lien ... more
0 votes Share Flag Mon Nov 24, 2014 Foreclosure in 35007
Benjamin Epps, Real Estate Pro in McCalla, AL
Benjamin Epps answered:
How can I rent a home while active in a Chapter 13 Bankruptcy?
A reasonable option in this situation is to look for an individual that is renting their home. Drive around the neighborhoods that your are interested in and call the "for rent" signs.
0 votes Share Flag Mon Sep 29, 2014 Home Buying in 35242
Plmbdm33079, Home Owner in Columbiana, AL
Plmbdm33079 answered:
Are there in Garden or Patio Homes in Columbiana?
There actully are garden homes in Columbiana. They are on Magnolia Circle. There are several for sale at this time and in a price range of $120,000. to$135,000. You can google these ad ... more
0 votes Share Flag Fri Aug 8, 2014 Home Buying in Columbiana
Cindy Hardin…, Real Estate Pro in Hoover, AL
Cindy Hardin ABR, CDPE, CRS, Sres answered:
Is it possible for a first-time home buyer, with a VA certificate of eligibility, with a FICO score in the high 600's get a home loan for the?
From what you have shared, it sounds like you will be able to obtain a loan. There are other financial requirements that affect your loan approval. That is why it is wise to consult ... more
1 vote Share Flag Sun Jul 27, 2014 Home Buying in Montevallo
Cindy Hardin…, Real Estate Pro in Hoover, AL
Cindy Hardin ABR, CDPE, CRS, Sres answered:
Are houses in Montevallo considered Rural? Are they eligible for USDA Loans?
Yes, Montevallo is eligible for the USDA no money down loan. I specialize in Shelby County and will be happy to assist you with your home search. Please feel free to contact me anytim ... more
1 vote Share Flag Sun Jul 27, 2014 Home Buying in Montevallo
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