Can I Buy A House With A Judgement Against Me All Locations : Advice

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Kawain Payne,…, Real Estate Pro in Long Beach, CA
Kawain Payne, Realtor, Notary answered:
I co-signed a car loan to my daughter and had a judgement against me. the judgem ... ,who can help me buy a house with a 15% down. ...
Norma,

Getting a mortgage loan will depend on how long ago the judegement was paid off and how well you have managed your credit since paying off the judgement.

I had a client w ... more
0 votes Share Flag Wed Oct 24, 2012 Home Buying in 90621
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
What to expect when selling a home for less than its worth but covering the difference.?
First, understand that if the house appraises for $202,000, then the max that the Banks will loan on it is $161,600, which is 80% of the appraised value.

We are not talking about a s ... more
0 votes Share Flag Mon Jun 18, 2012 Home Selling in Atlanta
Edmund Choi, Real Estate Pro in 19426
Edmund Choi answered:
Most efficient way to improve my 560 Credit Score - want to buy a house in a year?
I'd recommend contacting Credit Blueprint (427 S Broad St , Philadelphia Pa Phone: 215-790-1099 Fax: 877-788-5969 Carl@creditblueprint.net). Ask for Carl S.
0 votes Share Flag Sun Dec 16, 2012 Home Buying in West Chester
Elizabeth We…, Real Estate Pro in Sacramento, CA
Elizabeth Weintraub answered:
Loan after short sale
The major banks with standard overlays can't do a loan for at least 2 years after a short sale per Fannie Mae but there are other lenders who will. I also hear there have been exception ... more
0 votes Share Flag Mon Jun 29, 2015 Financing in 95818
Feelslost In…, Other/Just Looking in Livingston County, MO
Feelslost In Mo answered:
House foreclosed on Dec 2010 by Wells Fargo, backed by VA.
Hate renting, want to know a time frame whenever this nightmare is over when we can buy again??
0 votes Share Flag Tue May 8, 2012 Foreclosure in Livingston County
Dee, Other/Just Looking in Charleston, SC
Dee answered:
Does someone know of an agent that help with rent to own homes?
I'd ask family, neighbors, and friends who had great experiences in home buying to suggest a good realtor or real estate company. They are better to deal with this than the many scams y ... more
0 votes Share Flag Wed May 9, 2012 Rent vs Buy in Tracy
Nick Rafello, Real Estate Pro in New York, NY
Nick Rafello answered:
Has anyone experienced delays closing with Wells Fargo or Chase in NY in 2012?
Since 2008, it really doesn't matter what year it is. And now, I take the 5th.

Nick Rafello
Senior Vice President
Associate Broker
The Corcoran Group
RAFELLO ROSENBLOOM TEAM
nra ... more
0 votes Share Flag Mon Jun 29, 2015 Home Buying in New York
Blasic Smith…, Real Estate Pro in Murrieta, CA
Blasic Smith Team answered:
Should we only go with preferred lenders of a new property seller? Why no choice?
HI MPK,

They do this for several reasons:
1) There lender knows the project, the comps, and the situation with that development.
2) They can make sure you a qualified buyer. Just b ... more
0 votes Share Flag Sat Apr 7, 2012 Home Buying in Santa Clara
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
cash offer in his 3 days of listing, did not ask for inspection.
Melenda,
Was there earnest money? If so, who is holding it and under what conditions? If standard contracts were used and the earnest money was deposited on time, your friend may ha ... more
0 votes Share Flag Thu Feb 23, 2012 Home Selling in Texas
Jeff Nobleza, Real Estate Pro in 60640
Jeff Nobleza answered:
Does it ever make sense to foreclose? (excellent credit rating)
Short sale the home to lessen the impact on your credit, avoid any possibility of oweing the bank in the future and avoiding any tax implications.

Feel free to email me at jeff.Noble ... more
0 votes Share Flag Fri Feb 10, 2012 Foreclosure in Chicago
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
If 1st & 2nd mortgages are with the same bank will we be responsible for the 2nd when we foreclose ...
Before considering foreclosure and in order to best protect yourself, do consult with an attorney who specializes in real estate, see exactly what options you may have; most profession ... more
0 votes Share Flag Thu May 10, 2012 Foreclosure in Saint Paul
Robert Hughes, Real Estate Pro in West Chester, PA
Robert Hughes answered:
Looking to do a short sale. House is in Las Vegas. What legal questions should I be asking? Where can I get ...
Deployedbride, Please only use Professional, reputable/knowledgeable individuals. Many scammers out there or agents who have no clue what they are doing. Best to google and find out wha ... more
0 votes Share Flag Wed Jul 23, 2014 Home Selling in Las Vegas
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
i lost my house to forclosure, the bank on the home equity line is coming after me. can they do that? ...
You really need to talk to an attorney. The answer to your question depends on the laws in your State. You need to know what your rights and obligations are and what options you have ... more
0 votes Share Flag Wed Jan 18, 2012 Foreclosure in 85248
John Walin, Real Estate Pro in Libertyville, IL
John Walin answered:
Who can I talk to, to find out what I need to pay on my credit to buy a house?
Keep renting and pay down credit cards. Beyond credit score, lender looks for debt to income ratios, cash reserves and job stability and source of income. a strategic BK will hurt your ... more
0 votes Share Flag Tue Jun 9, 2015 Credit Score in 91932
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
Strategic foreclosure or how to qualify for a short sale
Hi Josh,
The problem will be qualifying for the loan to purchase your new home unless your income is enough to cover both your condo and the new loan. Without significant equity in yo ... more
0 votes Share Flag Wed Jan 18, 2012 Foreclosure
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Can a short sale happen during the redemption period if the owner of the house does not live in it, but it i ...
The Shortsale really has nothing to do with the Redemption Period:
The Redemption period is the time the owners have to pay-off the "arrears" and get the house back. This can ... more
0 votes Share Flag Fri Jan 6, 2012 Foreclosure
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
My home is underwater and I have two mortgages. Have not worked since 9/2009 an ... depleted. I was approved for a short sale in 9/2011 ...
First things first;
If your Shortsale hasn't had any offers in three months, you need to lower the LISTING PRICE!
I presume that the Bank didn't tell you how much to list it ... more
0 votes Share Flag Sat Jan 7, 2012 Foreclosure in 07103
Idarousse Ch…, Real Estate Pro in Orlando, FL
Idarousse Charif answered:
i was just served with foreclosure papers could you tell me the timeframe in which i have to leave
The timeframe can vary. I suggest you speak with a lawyer. If you are interested in possibly doing a short sale, I can schedule a free consulation with the law firm that handles my ... more
0 votes Share Flag Thu Jan 5, 2012 Foreclosure in Kissimmee
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
My husband has a child support judgement against him, can we still buy a house?
For an accurate answer visit with any licensed loan officer; after reviewing your overall financial information, income, credit, debt, a determination can be made...
0 votes Share Flag Mon Dec 5, 2011 Home Buying in Boca Raton
Ken Fisher, Real Estate Pro in 46037
Ken Fisher answered:
What can I expect in the Indy rental market, coming out of chapter 7 & foreclosure within the past 2 ye ...
It all depends on what you have been doing financially since you were released. We currently have a home available in Broad Ripple, a condo near Eagle Creek, a condo near Hazel Dell a ... more
0 votes Share Flag Mon Dec 12, 2011 Rental Basics in Indianapolis
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