http://www.trulia.com/profile/cindihagley/The latest answers submitted by Cindi Hagley, Windermere Welcome Home to questions asked on Trulia Voicesen-ushttp://www.trulia.com/voices/Home_Buying/How_much_leeway_do_I_have_during_escrow_with_the_b-186408Answer by Cindi Hagley, Windermere Welcome Home: The listing agent should submit the request to the bank. Not sure why the listing agent would have to take a hit on his commission since they are not buying the house. Why would the listing agent take a hit and not your agent?Tue, 22 Dec 2009 21:02:52 PSThttp://www.trulia.com/voices/Home_Buying/How_do_I_know_if_this_is_a_true_site_and_if_at_all-186412Answer by Cindi Hagley, Windermere Welcome Home: I guess it depends on how you define true site. It's a website with a URL so I'm pretty sure it can be classified as a true site. Your info is confidential unless you choose to share it.Tue, 22 Dec 2009 20:44:54 PSThttp://www.trulia.com/voices/Home_Buying/removed-186371Answer by Cindi Hagley, Windermere Welcome Home: Call the Realtors broker, explain the situation, and they should be able to help you write the offer.Tue, 22 Dec 2009 19:55:30 PSThttp://www.trulia.com/voices/Home_Buying/I_did_not_accept_a_per_diem_fee_on_a_short_sale_an-186377Answer by Cindi Hagley, Windermere Welcome Home: Please tell me you are usng a Realtor in this transaction. How does your Realtor advise you? Who is the lender?Tue, 22 Dec 2009 19:53:41 PSThttp://www.trulia.com/voices/Rentals/I_am_a_future_renter_for_the_property_ashurst_roa-186392Answer by Cindi Hagley, Windermere Welcome Home: If you think it's a scam,it could be. How did you find the property? Are they taking a personal check or money order? Have you been to the office of the company?Tue, 22 Dec 2009 19:51:15 PSThttp://www.trulia.com/voices/Home_Buying/I_have_been_hearing_that_banks_are_sitting_on_tons-186398Answer by Cindi Hagley, Windermere Welcome Home: We've been hearing this for quite a while...and Realtors who sell foreclosed properties for the bank keep being told that the forecosures will hit "next month." That's been going on for at least 6 months. I'll believe it when I see it!Tue, 22 Dec 2009 19:49:02 PSThttp://www.trulia.com/voices/Home_Buying/If_you_have_a_reverse_mortgage_and_you_pass_away_-186403Answer by Cindi Hagley, Windermere Welcome Home: It would depend on how much equity you had in the home. Any excess would got to your estate or beneficiaries.Tue, 22 Dec 2009 19:44:48 PSThttp://www.trulia.com/voices/Home_Buying/removed-186406Answer by Cindi Hagley, Windermere Welcome Home: I am not sure I understand your question. Are you saying you are getting conflicting information from different websites?Tue, 22 Dec 2009 19:42:11 PSThttp://www.trulia.com/voices/Home_Buying/Are_there_any_real_estate_agents_in_the_Santa_Clar-186038Answer by Cindi Hagley, Windermere Welcome Home: Yes, there are several of ous out there. Interview at least three, ask specific questions to guage their experience level, GOOGLE them to find out how they work, then select the one that you are most comfortable with. Good luck!Mon, 21 Dec 2009 01:29:03 PSThttp://www.trulia.com/voices/Home_Buying/Can_anybody_explain_to_me_why_one_property_with_b-186060Answer by Cindi Hagley, Windermere Welcome Home: It all has to do with what the owner paid for the property.Mon, 21 Dec 2009 01:26:56 PSThttp://www.trulia.com/voices/Home_Buying/i_was_wondering_if_we_purchase_a_home_amp_qualif-186063Answer by Cindi Hagley, Windermere Welcome Home: At this point, the tax credit acannot nbe used for a downpayment. New guidelines will make it easier for you to find a home and not have to compete with investors...hang in there.Mon, 21 Dec 2009 01:25:37 PSThttp://www.trulia.com/voices/Home_Buying/Investing_in_Metro_Sacramento_Real_Estate_-185944Answer by Cindi Hagley, Windermere Welcome Home: I agree with Jim - who by the way - would be a great agent to work with!Sun, 20 Dec 2009 18:51:57 PSThttp://www.trulia.com/voices/Home_Buying/How_is_the_real_estate_market_doing_in_Moutain_hou-185978Answer by Cindi Hagley, Windermere Welcome Home: It all depends....most homes are getting mutiple offers, but they are all over the board. Agents not familiar with Mtn House often write offers below the list price, eliminating them from the bidding situation right upfront. Find an agent experienced in Mountian House, make sure they are experienced in short sales and foreclosures (knowing the process makes it more likely for your offer to be correctly written and accepted by the seller) and be patient. There should be several single family homes coming on in Mountain House the third week of Jan. 4 & 5 bedrooms......selling 300-350k. Hang in there!Sun, 20 Dec 2009 18:48:00 PSThttp://www.trulia.com/voices/Home_Buying/I_put_an_offer_on_a_short_sale_property_back_in_No-185979Answer by Cindi Hagley, Windermere Welcome Home: You will most likely owe a commission to the agent that wrote the contract for you.Sun, 20 Dec 2009 18:44:02 PSThttp://www.trulia.com/voices/Home_Selling/removed-185995Answer by Cindi Hagley, Windermere Welcome Home: Wow! That must be some lawyer! $175 total.......that works out to well under $8 an hour.........and he paid the agent representing the buyer? WOW! You cut yourself one impressive deal! Congratulations! I knew the law industry was hurting...did not know it was that bad!Sun, 20 Dec 2009 18:42:20 PSThttp://www.trulia.com/voices/Home_Selling/Anyone_interested_in_buying_land_in_Haughton_La_-186005Answer by Cindi Hagley, Windermere Welcome Home: The Blog section of Trulia would be a better place to post this. Have you thought of hiring a Realtor?Sun, 20 Dec 2009 18:36:21 PSThttp://www.trulia.com/voices/Foreclosure/Kind_of_a_unique_situation_Getting_bank_to_sell_-185874Answer by Cindi Hagley, Windermere Welcome Home: I would suggest contacting an attorney for advice. There should be pro bono folks in your area with which you can consult at no charge. You can also GOOGLE "Help for Homeowners" and ask for their advicce.Sat, 19 Dec 2009 23:47:00 PSThttp://www.trulia.com/voices/Foreclosure/removed-185853Answer by Cindi Hagley, Windermere Welcome Home: frank...I agree with Al. Just start answering questions - there are plenty of them - you don't need to ask and answer your own!Sat, 19 Dec 2009 20:59:34 PSThttp://www.trulia.com/voices/Foreclosure/How_long_do_we_have_in_home_after_owner_files_ban-185862Answer by Cindi Hagley, Windermere Welcome Home: In a trustee sale, if you have a lease, the new owner should honor that lease...or pay you cash to leave. If the home is aucitoned, hang in there and wait foir someone to contact you. Yourbest bet is to consult an attorny to fully understand your rights.Sat, 19 Dec 2009 20:56:46 PSThttp://www.trulia.com/voices/Home_Buying/Help_with_getting_deposit_returned_after_deciding_-185827Answer by Cindi Hagley, Windermere Welcome Home: PLEASE tell me you are working with an agent and not doing this yourself. Ultimately, it all depends on how the contract is written...which is ultimately between you and the seller. Did the seller sign this? What out did you leave yourself in the contract? why would you submit a high offer? Did you not pull comps? This is a perfect example of why you should use a Realtor.Sat, 19 Dec 2009 19:57:48 PSThttp://www.trulia.com/voices/Home_Buying/Can_I_recieve_a_gift_of_money_from_my_wife_even_th-185844Answer by Cindi Hagley, Windermere Welcome Home: I would check with your mortgage broker, who will ultimately have to track and justify the gift.Sat, 19 Dec 2009 19:54:43 PSThttp://www.trulia.com/voices/Home_Selling/Is_Fannie_Mae_more_less_likely_to_pursue_a_short_s-185793Answer by Cindi Hagley, Windermere Welcome Home: Great question. I do not think they are more or less likely - I think it all depends on you individual circumstances.Sat, 19 Dec 2009 16:38:40 PSThttp://www.trulia.com/voices/Home_Buying/Do_short_sale_sellers_and_listing_agents_have_an_i-185805Answer by Cindi Hagley, Windermere Welcome Home: I sell a lot of short sales. I price the home competitively to start, submit the highest and best offer to the bank, then have one or two offers in back-up. If I get a better, higher offer, I wait until the bank has approved the original offer, notify them of the higher, better offer, and let them decide whether to take. Some banks will stay with the original offer in the interest of time. If the bank does take the higher offer, it could take 2-4 weeks - sometimes longer - for re-approval. I hope this helps!Sat, 19 Dec 2009 16:34:03 PSThttp://www.trulia.com/voices/Agent2Agent/CAN_YOU_REFINANCE_A_HOME_BROUGHT_THRU_A_VA_VENDEE_-185808Answer by Cindi Hagley, Windermere Welcome Home: You should be able to. There are a l;ot of competive rates on the market right now.Sat, 19 Dec 2009 16:30:57 PSThttp://www.trulia.com/voices/Foreclosure/I_have_heard_that_Lenders_cannot_come_after_borrow-185542Answer by Cindi Hagley, Windermere Welcome Home: I would strongly encourage you to consult your tax professional or an attorney. They may not be able to come after you, but the amount forgiven may be counted as ordinary income and qualify as a "taxable" event by the fed or by the state. Ask a qualified professional...know your rights and options.Sat, 19 Dec 2009 13:50:02 PST