http://www.trulia.com/voices/profile/Real_Estate_Pro-Conroe_TX-292621/The latest answers submitted by Ron Wickes to questions asked on Trulia Voicesen-ushttp://www.trulia.com/voices/Home_Buying/how_can_i_get_a_home_loan_if_my_credit_is_bad_and_-53451Answer by Ron Wickes: Melissa assuming you meet all of the other requirements (ie: income, down etc) you need to improve your credit score. If you need to increase it only a few points you might do that yourself. but if you need 40 or more points you need professional help. Take a minute and review the short video in the web reference. Email if you have any questions. And please do not dispute your items online. If you do this it is only two computers checking with one another and you forfeit a lot of your rights under the law.Mon, 18 Aug 2008 16:45:19 PDThttp://www.trulia.com/voices/Home_Buying/Why_are_selling_agents_reluctant_to_execute_dual_a-53443Answer by Ron Wickes: Leonard it may vary from state to state but in Texas I have done it and would do it again. We do have stipulations though and one is that both the buyer and seller must have signed rep agreements with the agent. That is in our intermediary agreement which notifies you that the agent represents both parties. Also agents have to be careful for liability reasons because in this situation, at least in Texas, we can not give advice. We can answer questions and provide all facts but offer no advice to either party during the negotiations. Check with the state board of realtors for your state.Mon, 18 Aug 2008 15:59:04 PDThttp://www.trulia.com/voices/Home_Buying/buying_a_house_to_rent_what_are_the_pros_cons_-53431Answer by Ron Wickes: Catherine, That decision is really based on your personal financial situation. I have several investors I work with that do buy homes for investment rental income. They can afford it if the house should sit empty for several months which can happen. I would suggest that you sit down with a good agent and they can walk you through all of the questions that need to be answered.Mon, 18 Aug 2008 15:12:43 PDThttp://www.trulia.com/voices/Home_Buying/My_Credit_Score_is_a_lot_of_this_is_due_to_some_m-53430Answer by Ron Wickes: Allie, Please do not file your disputes online. When you do that it is only two computers checking with one another and you lose certain rights under the law when you do that. You must be very careful if you decide to do this yourself. The web reference shown below is a short seven minute video on credit repair. Please remember that the credit reporting agencies are in business to make money. They are not part of the government but only a for profit business. Please contact me for further information if you would like to.Mon, 18 Aug 2008 15:07:35 PDThttp://www.trulia.com/voices/Home_Buying/I_filed_for_bankruptcy_two_years_ago_it_s_dischar-52329Answer by Ron Wickes: Franklin, The bankruptcy can be removed from your credit report thus improving your credit scores. Take a look at the 7 minute video in the web reference and send me an email afterwards. You can have the home you want. Have a great day.Sat, 16 Aug 2008 06:49:58 PDThttp://www.trulia.com/voices/Home_Buying/Greetings_all_My_credit_score_is_not_too_great_-51796Answer by Ron Wickes: Take a look at the short video in the web reference about credit repair. You will be amazed at what can be done. Send me an email after viewing and we can get you started. Have a great day.Sat, 16 Aug 2008 06:47:29 PDThttp://www.trulia.com/voices/Financing/My_husband_and_I_have_poor_credit_scores_of_and_-48269Answer by Ron Wickes: Low credit scores are nothing to be ashamed of. We have all had problems in life. Credit reports can be restored and your credit scores raised. Take a look at the short video in the web reference and send me an email after you do. You can get the home you want at a good interest rate.Sat, 16 Aug 2008 06:43:14 PDThttp://www.trulia.com/voices/Home_Buying/My_bankruptcy_will_be_years_old_I_have_a_coupl-52855Answer by Ron Wickes: Becky, Consider cleaning up your credit first and raising your score. Take a look at the short video in the web reference and email me. You can own that home with a good interest rate.Sat, 16 Aug 2008 06:40:02 PDThttp://www.trulia.com/voices/In_My_Neighborhood/can_you_tell_me_the_age_breakdown_for_the_age_grou-52976Answer by Ron Wickes: Robert, Another good source for information like that is http://zipskinny.comSat, 16 Aug 2008 06:35:07 PDThttp://www.trulia.com/voices/Home_Buying/Is_it_at_all_possible_to_buy_a_house_years_after_-52987Answer by Ron Wickes: What is your credit score? It is possible yes but remember in today's mortgage market credit scores matter. If your score is low please view the short 7 minute video about cleaning up your credit score and send me an email. Have a great day.Sat, 16 Aug 2008 06:30:27 PDThttp://www.trulia.com/voices/Home_Buying/How_can_I_see_homes_that_allow_small_dogs_-52989Answer by Ron Wickes: Francesca, I will assume you are asking about rentals. Please get an agent to work for you. On our MLS rental system we can input that criteria and it will show us homes that will either allow pets or at least consider them. Get an agent and work with them. RonSat, 16 Aug 2008 06:27:47 PDThttp://www.trulia.com/voices/Home_Buying/Very_poor_credit_low_s_We_are_selling_our_home-52984Answer by Ron Wickes: Rj, We can fix your credit report problem in about six months and you can probably be in a new home shortly thereafter with a loan at a good market interest rate. The web reference shown is a short seven minute video on credit improvement. Please consider watching and emailing me with any questions. We can also talk by phone. You will be surprised at what your credit will look like after the process and that of course will mean a good interest rate on your new mortgage. I'm looking forward to hearing from you. RonSat, 16 Aug 2008 06:23:28 PDThttp://www.trulia.com/voices/Financing/are_there_any_owner_financed_properties_or_lease_t-5436Answer by Ron Wickes: Leneeakin, Your credit can be fixed. Please see the web reference and then look on the right side of that new page. I have some great links for credit repair. Please send me an email and we can get you taken care of. Thanks and have a great day! RonFri, 15 Aug 2008 05:53:49 PDThttp://www.trulia.com/voices/Home_Selling/Did_the_Imperial_Oaks_Subdivision_homes_less_tha-52700Answer by Ron Wickes: Susan yes the same home can sell for more or less because of the street. It also depends on the size of the neighborhood, and Imperial Oaks is good sized, is the street close to a school, close to the pool, how other homes look, there are a lot of variables. The difference may not be huge but yes there can be a difference depending on the street. All real estate is local and in some cases it can be VERY local. If you need assistance please do not hesitate to send me an email. Have a great day! RonFri, 15 Aug 2008 05:48:15 PDThttp://www.trulia.com/voices/Home_Buying/removed-52641Answer by Ron Wickes: Dan, That is a heck of a question. I guess I would just ask a lot of questions about they are doing it that way. It just seems to run against the grain so to speak.Thu, 14 Aug 2008 07:03:07 PDThttp://www.trulia.com/voices/Home_Selling/My_daughter_age_is_looking_for_a_house_to_buy_i-52590Answer by Ron Wickes: Sherrie, Please take a look at the seven minute video at the website shown below and then sedn me an email. We can take care of the problem. Thanks and have a great day! Ron http://www.creditrepairproof.com/Thu, 14 Aug 2008 06:57:53 PDThttp://www.trulia.com/voices/Home_Buying/What_are_my_realistic_odds_of_trying_to_purchase_a-51024Answer by Ron Wickes: Kristi a lot of good answers were offered. If things don't work out your credit score can be fixed. You can view the short video in the web reference and then email me if it turns out your credit needs to be fixed first. Just shoot me a quick email. Please don't give up. RonWed, 13 Aug 2008 19:52:53 PDThttp://www.trulia.com/voices/Foreclosure/How_can_i_buy_a_home_with_bad_credit_but_a_good_jo-5816Answer by Ron Wickes: If you need to repair your credit as several have suggested please watch the short video in the web reference and then email me. Have a great day.Wed, 13 Aug 2008 19:42:01 PDThttp://www.trulia.com/voices/Foreclosure/How_can_i_buy_a_home_with_bad_credit_but_a_good_jo-5816Answer by Ron Wickes: I would highly recommend fixing your credit before you buy a home. You might be able to get a loan now but lets say it was at 7% versus fixing your credit and getting a loan at 6%. The difference is almost $100 a month plus any difference with risk based PMI. If you own the home for 10 years that is about $12,000+ that you will lose because of bad credit. You can fix your credit legally and ethically in about 6 months. It will cost you but it will be worth it in the long run. That to me would be the best thing to do. We all would love to sell you a house but we also all want to do what it is best for you. See the referenced website. RonThu, 3 Jul 2008 17:31:45 PDThttp://www.trulia.com/voices/Home_Buying/i_have_never_baught_a_home_before_I_don_t_have_go-52572Answer by Ron Wickes: Kim, What Lenny said is basically correct but there is a higher fee structure the lower your credit score so be aware. Your credit score can be fixed if it is low. The website reference has information on that. If you have any questions email me. Have a good day. RonWed, 13 Aug 2008 19:36:16 PDThttp://www.trulia.com/voices/Foreclosure/Where_do_you_turn_to_get_out_of_foreclosure_All_-52402Answer by Ron Wickes: Joann, You need to go directly to your current mortgage holder. They probably have a mitigation department. Try and negotiate with them. You may have to call several times a day in order to make contact with someone. RonWed, 13 Aug 2008 05:59:52 PDThttp://www.trulia.com/voices/Market_Conditions/How_badly_has_the_housing_market_been_affected_in_-52212Answer by Ron Wickes: Susan, The sales of single family homes in MLS area 15 ( The Woodlands& west including Imperial Oaks and oak Ridge) are down 15.69% this year but prices are UP! The sales of single family homes in MLS area 19 (Conroe area) are down 21.47% this year but prices are UP! The sales of single family homes in MLS area 39 (Lake Conroe, Willis, Montgomery) are down 28.71% this year but prices are UP! Days on the market are up in all areas. Homes priced and shown correctly and in good condition will sell. Not as fast as before but they will sell. Specific information is available. RonTue, 12 Aug 2008 19:51:22 PDThttp://www.trulia.com/voices/Home_Selling/Is_what_the_Montgomery_county_appraisal_District_a-52206Answer by Ron Wickes: Susan, Margaret and Janine are both correct. To give you an example I currently have listing priced at about $320,000 that is on the tax rolls for about $85,000. It has not been appraised in years. That is not a typical example but it shows what does happen in Montgomery County. The best way to know what your home is worth is to consult with a licensed real estate agent and get neighborhood Comparative Market Analysis. RonTue, 12 Aug 2008 19:42:03 PDThttp://www.trulia.com/voices/Home_Buying/we_are_closing_on_a_new_home_Friday_and_were_told_-48409Answer by Ron Wickes: Sandra that is true across the nation. That is done so everyone doesn't try and buy flood insurance two days before a hurricane hits.Thu, 24 Jul 2008 14:01:47 PDThttp://www.trulia.com/voices/How_To_/I_own_a_building_that_currently_has_a_tennant_in_i-48536Answer by Ron Wickes: AMy, I pretty much agree with the other opinion offered with the exception that if a Texas Real Estate Commission contract exists for that particular type of transaction I would require your tenant to make their offer in that form rather than with an LOI. Please remember for future reference that any agreements inolving real estate should be in writing and lay out the exact specifics of the agreement.Thu, 24 Jul 2008 13:57:08 PDThttp://www.trulia.com/voices/Home_Buying/How_do_I_find_out_when_someone_bought_their_house_-19437Answer by Ron Wickes: It depends on your county and state. Texas is a non-disclosure state and sales prices are not required to be disclosed. In many cases they are but it is not required. If you are asking this in order to determine what to offer on a home for sale please remember that has nothing to do with what the current market is. The market determines value not a previous purchase price.Thu, 24 Jul 2008 13:49:32 PDT