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Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
When the first-time tax credit ends, how much will demand shrink?
There are 2 different schools of thought on this.
1 summer buying season will start then so no difference will be seen. A stable market and prices.
2 buyers from the future have been ... more
0 votes Share Flag Sun Mar 21, 2010 Market Conditions in 95945
Texas Banker, Real Estate Pro in Houston, TX
Texas Banker answered:
Escrow account query
Incorrect, if you have an escrow account to start with you will have an escrow account for the remainder of the loan, unless you pay it off or re-finance your loan down the road (there ... more
0 votes Share Flag Tue Mar 16, 2010 Financing in Frisco
Sue Botelho, Real Estate Pro in Fort Walton Beach, FL
Sue Botelho answered:
we are looking at refinancing for a better rate. The credit scores are 701 690 704 . the ltv 78.8 and mortgage payment to income is 32.76 . Our
How much do the closing costs total? Call me if you would like a comparison - Sue Botelho, Waterstone Mortgage, Ft. Walton Beach, 850-797-7946. I can see what we could do to help you ... more
0 votes Share Flag Tue Jul 27, 2010 Home Buying in 32541
davidwbrower, Real Estate Pro in Woodstock, GA
davidwbrower answered:
We are in currently looking to purchase a home. I would love to grab up one of these foreclose homes that would normally be out of our price range
I sell bank owned property so I don't want to say it's probably not going to happen. But, it's probably not going to happen. There is always that exception that someone ... more
0 votes Share Flag Wed Aug 17, 2011 Foreclosure in Atlanta
Julie Smith-…, Real Estate Pro in Moreno Valley, CA
Julie Smith-Coe answered:
I own a home and am thinking about purchasing a second home. I don't know if it will be a rental or a weekend home.
A vacation home would normally only require a 10% down payment but a rental home is normally a 20-25% down payment. If you are going to co-sign for a family memeber, FHA is also a poss ... more
0 votes Share Flag Fri Feb 19, 2010 Home Buying in Los Angeles
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
With the upcoming changes in FHA financing, what effect do you think the reduction in seller concessio ...
A lot of wonderful things will happen as a result.

You will find people will not be able to buy a house with nothing down.
We will start to have real qualified buyers buying, not ju ... more
0 votes Share Flag Sun Jan 24, 2010 Financing
Tony and Hol…, Real Estate Pro in Orlando, FL
Tony and Holly Galarza answered:
What to look for when buying a condominium for investment -I'm Canadian?
Well it really depends Trudy... keep an eye on association fees which can be high with condo's, check to see if the condo's were actually apartment flips (condo-conversions), ... more
0 votes Share Flag Fri Jan 22, 2010 Home Buying in Orlando
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
As a first time home buyer, do we really have enough time to make April 30 tax credit deadline?
Preforeclosure: A house heading into foreclosure. It may be a short sale. Or it just may be where someone has fallen behind on payments due to medical bills, job loss, or a hundred othe ... more
0 votes Share Flag Mon Jan 25, 2010 Home Buying in Las Vegas
Ryan Sherman, Real Estate Pro in Lodi, CA
Ryan Sherman answered:
My daughter wants to buy a home. Her credit score is 660ish. Chase has not ... . Is an fha possible for 99,000? ...
It's possible, I'd talk to someone who does FHA loans on a high volume consistent basis for the best answer...best of luck
0 votes Share Flag Tue Jan 12, 2010 Home Buying in Sarasota
Bentley Advi…, Real Estate Pro in San Mateo, CA
Bentley Advisors answered:
I'm self-employed, single mom, making $120k annually, credit ranging 690 to 735 among 3 bureaus, $200K cash for down payment, no credit card
Assuming you truly have $120k of documented income, have zero debt and a min qualifying credit score of 700, you might qualify for an $800k+ purch price. With your $200k down, the loan ... more
0 votes Share Flag Wed Jan 6, 2010 Financing in Pasadena
John Bennett, Real Estate Pro in 34788
John Bennett answered:
If a house was appraised at $281,000 and the Seller wants $325,000, what will be the best offer to the Seller?
The bank will only buy in for $ 281,000 not a penny more.

With this in mind, I would suggest a offer below but near $ 281,000.

We are in a buyers market, in a declining market. ... more
0 votes Share Flag Tue Dec 29, 2009 Home Buying in 32210
Kathleen Lor…, Real Estate Pro in Brainerd, MN
Kathleen Lordbock answered:
Do you think prices of Residential Real Estate will continue to drop through 2010? If so, how much?
I see prices still dropping and interest rates slowly rising. With the lender held shadow inventory being released at some point in time - yes, the market will reflect the flooding.
0 votes Share Flag Mon Dec 28, 2009 Home Buying in San Diego County
Jim Kimmons, Real Estate Pro in Taos, NM
Jim Kimmons answered:
how does my bad credit affect my ability to purchase a home?
That depends on how bad your credit is. With the current housing crisis, the FHA has been a little more forgiving, but you'll pay a penalty in higher interest. The easiest thing ... more
0 votes Share Flag Sun Oct 3, 2010 Credit Score in Taos
.,  in L' Anse, MI
. answered:
if i got preapproved does it mean 80% i will get the house
Most loans are property specific. A pre-approval means that you most likely qualify for a loan under "normal" circumstances. However, the property itself must also qualify. So ... more
0 votes Share Flag Fri Jan 1, 2010 Home Buying in Louisville
James Baxter…, Real Estate Pro in Encinitas, CA
James Baxter Encinitas Realtor answered:
We are looking to buy in Santa Rosa in the near future. What percentage down payment are lenders requiring ...
Hi Santarosa Buyer,
You should also consult with a local Realtor about down payments. Every market is different and just because FHA has 3.5% down loan, does not mean that is something ... more
0 votes Share Flag Thu Mar 21, 2013 Home Buying in Santa Rosa
Patrick Thies…, Real Estate Pro in Elmhurst, IL
Patrick Thies SFR, CNC answered:
I can't understand why we haven't sold.
Couple of things here Dan. It's a very nice unit. 2 showings a month isn't very many showings though. It may just be that there is too much competition out there. Just wit ... more
0 votes Share Flag Tue May 24, 2011 Home Selling in Chicago
Derek Crew, Real Estate Pro in New York, NY
Derek Crew answered:
Can I get a mortgage loan with a score of 640?
Generally 720 will qualify you. Anything below is considered high risk in this market. If your broker finds someone to qualify you still have to be approved which can ultimately really ... more
0 votes Share Flag Wed Jul 31, 2013 Home Buying in 75024
George K Wol…, Real Estate Pro in South Florida, FL
George K Wolfgang answered:
I am retired and my combined income is under $50,000. My house is fully paid and it is worth now less than $200,000. My friends tel lme I will not
It will depend on how big of a mortgage you need. We can use retirement income so there is plenty of hope for you. Fill out the form below so I can pre-qualify you and I will call you t ... more
0 votes Share Flag Tue Mar 3, 2015 Home Buying in 33173
Chiropaul, Home Buyer in Merced, CA
Chiropaul answered:
My lender is charging me a 1% origination fee $1765, plus a $550 processing fee and a $695 Admin fee on my loan. I have two good faith estimate
Also, the 1% is "origination" this is not a discount point. Just wanted to make that clear.
0 votes Share Flag Thu Sep 3, 2009 Financing
Kathleen Bar…, Real Estate Pro in Santa Barbara, CA
Kathleen Barnato answered:
Has the real estate market in Santa Barbara, CA ( specifically 93117 -> 93013 ) bottomed out yet?
Hi Daniel, I cover the South Santa Barbara County area - from Carpinteria to Goleta, and including Hope Ranch, Montecito, and Santa Barbara. The zips you mention are all in my are ... more
0 votes Share Flag Wed Apr 7, 2010 Market Conditions in Santa Barbara
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