Sierra County : Real Estate Advice

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Bambi Mitche…, Home Buyer in Truth or Consequences,...
Bambi Mitchell asked:
Looking for a Mortgage company, credit score between 540-634 I have been working hard at correcting my credit, at this time my credit score is between a 540-634. I am married and have a stable job, but at this time we don't have anything down. Where…
0 votes Share Flag Thu Mar 3, 2016 Home Buying in 87901
Josephine Ro…, Both Buyer and Seller in Truth or Consequences,...
Josephine Robinson answered:
Looking for a place to rent in North Silver St., T or C, NM preferably near Sierra Health Care Center.
hi i have a 2 bed 2 bath about 10 minutes from shcc are you still looking?
0 votes Share Flag Wed Mar 4, 2015 Home Buying in Truth or Consequences
lynnnchase9, Other/Just Looking in Omaha, NE
lynnnchase9 answered:
How hard is it to build a swimming pool in TrC? Really,, and I heard the plumbing is a crazy thing cause of the mineral water?
I'm not sure how the plumbing is where you are at. I would call local plumbers and see what they say about installing a swimming pool. They should know how to help you best and what the ... more
0 votes Share Flag Mon Dec 15, 2014 Home Buying in Truth or Consequences
Bob Finch, Other/Just Looking in Walla Walla, WA
Bob Finch answered:
What are the best interest rates??
There are no pat answers to what are the best interest rates. Rates can change several times within a 24 hour period. Rates are based on many factors, some of those being credit score o ... more
0 votes Share Flag Wed Jul 2, 2014 Home Buying in 87935
Dorene Slavi…, Real Estate Pro in Torrance, CA
Dorene Slavitz answered:
How do I interview an agent? What questions should I ask? How will I know who I want?
If you are looking for a "Buyer Agent" the realtor should set up an initial meeting to discuss your needs. The Realtor should also include a loan officer to help you with the Pre-Approv ... more
0 votes Share Flag Thu Dec 26, 2013 Home Selling in 87901
Trulia Custo…, Real Estate Pro in San Francisco, CA
Trulia Customer Service answered:
Why are almost all of the houses and lots on the east side of Elephant Butte Lake mapped wrong?
Hi Skull! Carol at Trulia here. Listings are sent to Trulia and include mapping coordinates when we receive the listing. The coordinates include the latitude and longitude of the pro ... more
0 votes Share Flag Wed Jun 26, 2013 Home Buying in Elephant Butte
bluewickedbu…, Both Buyer and Seller in Mill Valley, CA
bluewickedburner answered:
Am I obligated to buy a home thru an agent simply because he/she was the one who showed me the house?
NO!. Just because an agent showed you a house does not mean you have any relationship with them. Of course, agents will say different, claiming co-operating agency or something similar. ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in Caballo
bluewickedbu…, Both Buyer and Seller in Mill Valley, CA
bluewickedburner answered:
who will work with me to get pre-qulified?
Any lender or mortgage broker can help you get pre-qualified.Stay away from SPAM like mortgagematch dot com. Here you are asking an important question and spammers show up with their li ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in Caballo
bluewickedbu…, Both Buyer and Seller in Mill Valley, CA
bluewickedburner answered:
Made a full price offer, with the normal contingencies, on a condo. Seller wants us to remove all our contingencies at 14 days after acceptance.
You don't need to talk to an agent. Talk to your inspectors (pest/structure), the title company and your lender. They will tell you how long it will take for them to complete enough of ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in Caballo
bluewickedbu…, Both Buyer and Seller in Mill Valley, CA
bluewickedburner answered:
Confused about who pays commission to buyers agent......
The seller NEVER pays the commission and the listing agent does not either. Read my blog on Truila and it will open your eyes to what is going on.

You the buyer, pays for everything. ... more
0 votes Share Flag Wed Nov 14, 2012 Home Buying in Caballo
Sally Grenier, Real Estate Pro in Longmont, CO
Sally Grenier answered:
Do down payments have to be up front or can it be divided up as a yearly payment, along with paying ones mortgage?
As others have said, you need to pay the down payment up front...otherwise it would just be a "no money down" type of loan which doesn't exist anymore. You can get an FH ... more
0 votes Share Flag Thu Aug 18, 2011 Home Buying in 87901
Victoria Alw…, Real Estate Pro in Yorba Linda, CA
Victoria Always answered:
How much debt ratio that a Buyer can have ? In other words, what is the debt ratio that lender look when funding for a borrower?
Hello San:

Based on both of your questions, It sounds that you are considering to rent your home and purchase a new property. The lender will consider the rental income while addin ... more
0 votes Share Flag Mon Mar 14, 2011 Home Buying in Caballo
Michael Emery,  in Minneapolis, MN
Michael Emery answered:
Do i have to pay income tax on the commission i made buying my own house?
If you received a 1099 for the transaction, then you probably would owe taxes on the sale. Any income over $600.00 is reportable to the IRS. Check with a tax professional to be absolute ... more
0 votes Share Flag Wed Mar 9, 2011 Home Buying in Caballo
Tony McMahon, Real Estate Pro in WHITE PLAINS, MD
Tony McMahon answered:
I am buying a bank owned home and I received a notice to perform.
Can't really speak for the bank, but if you provided to their satisfaction the requested items and you will be able to close after your settlement in 2 days. It seems plausible th ... more
0 votes Share Flag Tue Jan 25, 2011 Home Buying in Caballo
Terri Armstr…, Real Estate Pro in Fresno, CA
Terri Armstrong answered:
help with fha appraisal conversion from conventional leaving original comps
Is the appraiser the same-- and now you need a FHA appraisal? Is the appraiser on the FHA rooster? if not then you would need a FHA approved appraiser to appraise the subject. As to ... more
0 votes Share Flag Sun Jan 23, 2011 Home Selling in Caballo
Cutiepie, Home Buyer in Hayward, CA
Cutiepie answered:
can you get a loan on a home with only spousal support as income? The home I am looking at is a little more
Yes, spousal support counts as income, but beware that lenders require a minimum of 3 years of continuous spousal support in order for them to consider the spousal support as your incom ... more
0 votes Share Flag Sat Nov 13, 2010 Home Buying in Elephant Butte
Adam,  in Lafayette County, LA
Adam answered:
Does anyone know if the Federal gov will come after a seller for the banks loss if they short sale?
Usually no. It states on the acceptance letter that the debt is absolved and no longer owed....hence the short sale. However, in some circumstances, the bank will put a stipulation stat ... more
0 votes Share Flag Thu Nov 4, 2010 Home Selling in Caballo
Ruth and Per…, Real Estate Pro in Los Gatos, CA
Ruth and Perry Mistry answered:
this may sound crazy but who would know about indiviuals like myself taking over an Repo. I,m seeking a taxes lien property i could take over
http://www.tax-lien-certificates.com/tax_lien_certificates_california_ca.html

Good luck.
Perry
0 votes Share Flag Sat Oct 16, 2010 Foreclosure in Caballo
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