Susan Cipria…, Both Buyer and Seller in Brookline, MA

Hello, my name is Susan and I am looking for a foreclosure in S.FL/live in MA/son in Miami/would like within 6

Asked by Susan Cipriani, Brookline, MA Mon Mar 9, 2009

months or so. Presently, I work PT but do not have a job history for the past 2 years. I do though have the money to purchase a home and the credit as does my son. He tells me there are home auctions every week, however we really do not know where to start and need a broker willing to work with us. Can you suggest anything helpful? Do you think it will be a problem regarding my job situation? My son also has had multiple jobs out there in FL but none have worked out for him, though he will be starting a new job next week on a two week trial basis (it's a job on Princess Cruise Line). He and I will work together with the right person for us.
Thank you,
Susan

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Answers

4
Hello Ms. Cipriani,

As you may know, you need 2 years continued work history, 2 yrs rental history and some savings to qualify for a loan. A lender considers the risk of default when determining a loan approval. You have several layers of risk. First neither you nor your son have a stable work history. This is critical to getting an approval. If you cannot prove your income, then you must have other compensating factors. How much savings? How good is your credit?

To be honest, without speaking with you, it will be difficult to determine whether you can get a loan.

Is your son in university? Can we explain the multiple jobs? How long has he lived in Florida?

There are several factors that determine your eligibility. Call me to discuss your options.

Sincerely,
Jacqueline Clarke
Down Payment Assistance Specialist/Loan Officer
Enterprise Mortgage Group
Winter Park, FL
Direct: 407-739-3853
0 votes Thank Flag Link Thu Mar 19, 2009
Susan,

When you say South Florida are you talking about the Miami area or the Central Florida area around the the area the ships are berth?

If it is the Central Florida Area I would be willing to help if it's the Miami area I can find a Realtor who specializes in that area.

Make sure the agent you select is full time and live/works in the areas you are looking.

I have a free foreclosure list on my website just requires your email.

Visit my website and if I can help please contact me,

Dave Lowe, broker
GRI – ePRO – GREEN (Designations) http://brokerdave.topproducerwebsite.com/daves-designations.asp
Two4One of Orlando (Orlando Website) http://two4oneoforlando.com/
Two4One.com (Corporate Website) http://two4one.com/
Customer Testimonies http://brokerdave.topproducerwebsite.com/customer-testimonial.asp
Dave’s Bio http://brokerdave.topproducerwebsite.com/daves-bio-.asp
Web Reference: http://two4oneoforlando.com
0 votes Thank Flag Link Mon Mar 9, 2009
Hi Susan,

My husband and I both work for Zip Realty and we have an extensive database of foreclosures both short sales and bank owned. I can set you up on a special search and send you information to get started. We specialize in bank liquidations and would be happy to consult with you as to your options. For more information on my my background and references please visit :

My Profile: http://www.ziprealty.com/agent/jdevivo
0 votes Thank Flag Link Mon Mar 9, 2009
Our site offers a a free daily forclosure list that you may wish to sign up for. http://www.c21solutionsrealty.com/foreclosures/orlando-real-…

I would be happy to help you with the process of buying a home.
0 votes Thank Flag Link Mon Mar 9, 2009
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