Home Buying in Smithfield : Advice

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Murphy Team, Real Estate Pro in 04101
Murphy Team answered:
if the info on a home is not correct how do you get it corrected? example: number of baths and bedrooms, sq. footage. Thank you
You will have to change the information on the source from which Trulia gets your listing. Have your Realtor change the information on the MLS listing sheet and Trulia will pick up the ... more
0 votes Share Flag Fri Jul 4, 2014 Home Buying in Smithfield
Shelly Martin…, Real Estate Pro in Rhode Island
Shelly Martin Damico answered:
smithfield ri, maket value versus list price. why would a home be listed 20 to 30 thousand dollars above market value?
Hi Juan, thank you for your question here. If it's in regards to this property on 3 Friendship Lane in Smithfield, I am the listing agent. The reason the Value/list price ratio seems ... more
0 votes Share Flag Thu Oct 17, 2013 Home Buying in 02917
Shelly Martin…, Real Estate Pro in Rhode Island
Shelly Martin Damico answered:
I am a novice at property purchases and am looking to buy a 1-2 br condo. How do I go about getting pre-approved for a mortgage?
Hello, I am sure you've been offered much advise. I would refer you to a lender her name is Anna Akaian, from Best Mortagage New England in Cranston she where they are located. She ca ... more
0 votes Share Flag Thu Oct 17, 2013 Home Buying in 02917
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
i know there is no set answer but generally how much would it cost to change from oil to gas for a 976 sq ft home
Hello Helene,

You can call a gas company to check on this.
However, when changing oil to gas, be very careful re. environmental hazards that come with oil tanks being removed...You ... more
0 votes Share Flag Sat May 5, 2012 Home Buying in 02917
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
how much to upgrade electric from fuses to 200AMP?
Hello Helene,

You got to call in a local electrician for this - you can ask your agent, your friends/family, or Service Magic referral service for a reputable electrician.

Best to ... more
0 votes Share Flag Sat May 5, 2012 Home Buying in 02917
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
regarding 2 year employment rule for per Diem taxable income counting toward mortgage qualification.
Hello Helene,

Per diem income is sort of like self-employment income when it comes to calculating the monthly income, used to figure out your debt to income ratio.

This means the ... more
0 votes Share Flag Sat May 5, 2012 Home Buying in 02917
Scott Burch, Real Estate Pro in Rhode Island
Scott Burch answered:
For a $150000 home how much cash on hand do you need at closing. Not including closing costs and the down payment.
I'm a Rhode Island Realtor and would like to help you every step of the way. Please contact me at 401-722-HOME (4663) or at

www.buyahomeinRI.com

I would like to sit with you ... more
1 vote Share Flag Fri Jan 20, 2012 Home Buying in 02917
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
can you get 100% financing in Warwick RI since there are many foreclosures in that town?
You misunderstand how lenders work. The more foreclosures there are the less likely they will be to offer anyone 100% financing, why do you think there are as many foreclosures as there ... more
0 votes Share Flag Fri Jan 20, 2012 Home Buying in 02917
Robert Cruda…, Real Estate Pro in Coventry, RI
Robert Crudale answered:
can you get a silent second mortgage with an fha loan?
RI Housing is your best bet for the silent second. It is a great way for first time home buyers to take advantage of some extra money. There are also some great "Stepped Rate&quo ... more
0 votes Share Flag Fri Sep 30, 2011 Home Buying in 02917
Sandra Brown, Real Estate Pro in Cranston, RI
Sandra Brown answered:
if a home has a gas stove but oil heat does it mean that you could possible convert to gas heat instead of oil
Hi Helene,
Just because the property has a gas stove it doesn't mean that gas is available in that area. I have a gas stove, (I would rather cook with gas) I use propane tanks for it ... more
0 votes Share Flag Tue May 19, 2009 Home Buying in 02917
Christopher…, Real Estate Pro in Cumberland, RI
Christopher Cox answered:
with a 5 yr old unpaid auto repo can you get approved for an fha rural development loan
Hi Helene,

I am not trying to be rude here, and please don't take it that way. But that really is a question that can only be answered by a mortgage broker who actually takes a cred ... more
0 votes Share Flag Fri Apr 24, 2009 Home Buying in 02917
Christopher…, Real Estate Pro in Cumberland, RI
Christopher Cox answered:
Why are vantage scores so much lowe than fico score?
Hello Again Helen,

I am a little confused. The vantage score should be higher? It is on a scale with a max score of 990 instead of a top score of 850 for FICO? It utilizes a compl ... more
0 votes Share Flag Sun Apr 19, 2009 Home Buying in 02917
Helene Moret…, Home Buyer in 02917
Helene Moretti asked:
Since experian uses vantage scoes now, which are much lower than fico scores, which scores do lenders look at? Which scores decide your mortgage rate?
0 votes Share Flag Sun Apr 19, 2009 Home Buying in 02917
Joseph Del S…, Real Estate Pro in East Greenwich, RI
Joseph Del Sesto answered:
where can I get my experian credit score without having to agree to credit monitoring terms that I have to?
Try triplecreditscore.com. Feel free to call me if you need any help getting your score.

Regards,

Joseph Del Sesto
Associate Broker
Albert Realtors
1050 Reservoir Avenue
Cran ... more
0 votes Share Flag Sat Apr 18, 2009 Home Buying in 02917
Karen Hurst, Real Estate Pro in Warwick, RI
Karen Hurst answered:
hi karen thanks for your answer. the area is off main ave in warwick on the greenwood side. What areas are in?
Helene, This is all ongoing talks. There are two proposals to extend to the north of the airport and one to the south. Nothing has been decided that I know of...There is an article abou ... more
0 votes Share Flag Thu Mar 19, 2009 Home Buying in 02917
Alayna Berek,…, Real Estate Pro in Rhode Island
Alayna Berek, RI Realtor® answered:
I know there is no exact answer but I was curious. why wouldn't the NSP include an area right across the?
The areas are made up of census tracts. There is a map that shows what streets are included. Your buyer's agent can help you with this as well as your lender. If you are thinking of ... more
0 votes Share Flag Thu Mar 19, 2009 Home Buying in 02917
Brenda Ferna…, Real Estate Pro in Rhode Island
Brenda Fernandes answered:
I just saw a home listed at 134 greeley ave in warwick ri 02886 mls #935055. Is this home still available?
Hi Helene,
Sandra is accurate regarding the listing at 134 Greeley.
Regarding your earlier question of 100% financing in Warwick... you need to discuss with your lender the specific ... more
0 votes Share Flag Sun Mar 15, 2009 Home Buying in 02917
Christopher…, Real Estate Pro in Cumberland, RI
Christopher Cox answered:
can you get a silent second mortgage with an FHA loan? Also what is a safe debt to income ratio for mortgage
Hi Helene,

I would highly recommend getting in touch with a mortgage broker to get more detailed information, but I will offer up some basic information regarding ratios.

There ar ... more
0 votes Share Flag Sun Mar 15, 2009 Home Buying in 02917
Alayna Berek,…, Real Estate Pro in Rhode Island
Alayna Berek, RI Realtor® answered:
i have to clarify on the 5 yr old repo that it isn't paid. does that make a difference with qualifying for a?
As I said before, hire yourself a buyer's agent(which costs you nothing), they will refer you to a reputable mortgage broker. All your questions can be answered free of charge.
0 votes Share Flag Sun Mar 8, 2009 Home Buying in 02917
Luke Allison, Real Estate Pro in Asheville, NC
Luke Allison answered:
with a fico score of 674 and a 5 yr old auto repo on my account can i get a mortgage
Helene-

Let me just say that I wish that every customer came to me with a 674 score and a 5 year-old car repo. You should be okay to get approved. If you have any questions about t ... more
0 votes Share Flag Sat Mar 7, 2009 Home Buying in 02917
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