Home Buying in 27604 : Advice

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Larry Story, Real Estate Pro in 27408
Larry Story answered:
Would I save money with a direct lender/bank as opposed to a broker or correspondent?
Infoseeker,

banks versus broker is a long standing discussion. What you can definitely do is to get a pre-approval from more then one lender. Now as long as you are going to buy a ... more
0 votes Share Flag Fri Dec 7, 2012 Home Buying in Raleigh
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
3 percent down with no PMI? Is this possible?
Joe,

I've not heard of any loans that aren't going to require PMI with so little down, other than through State Employees Credit Union which if you have access to using would be who ... more
0 votes Share Flag Thu Dec 6, 2012 Home Buying in Raleigh
Mike Jaquish, Real Estate Pro in 27513
Mike Jaquish answered:
Are there realtors willing to contract on a per property basis?
You will have no problem finding a good buyer's agent.
Deal honestly with the agent.
Be sure any agent you talk to knows you respect their time.

Bear in mind that any agent who has ... more
0 votes Share Flag Sun Dec 2, 2012 Home Buying in Raleigh
Skye Creech, Real Estate Pro in Raleigh, NC
Skye Creech answered:
I'm looking at buying a new house, but I want to keep my current home as rental property. How much more difficult will it be to get a loan?
I as well am looking to do the exact same thing in the coming months. I have been doing much research as I don't want to let me current home go. Putting 20% down would be best and I dou ... more
0 votes Share Flag Tue Dec 4, 2012 Home Buying in Raleigh
Elizabeth Bo…, Real Estate Pro in Cambridge, MA
Elizabeth Bolton answered:
Downside to Using a Buyer's Agent
The owner doesn't pay less. They are under contract to pay a commission to the listing office. The lisitng office is offering to split it with a cooperating buyer's agent and office. ... more
0 votes Share Flag Sun Apr 27, 2014 Home Buying in 27606
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
What is rent to own?
Hi Patti,

This purchase approach has become very popular for those that do not have the borrowing power to implement a conventional mortgage.

"Rent to own" is an agreement between ... more
0 votes Share Flag Thu Nov 15, 2012 Home Buying in 27615
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
What is the difference between Getting pre-qualified for a mortgage, pre-approved for a mortgage and final approval for a mortgage?
Good afternoon Patti,

The ONLY difference between Prequalification and Preapproval is the spelling. The fact is, according to HUD Guidelines, we Lenders are not supposed to "Preappr ... more
0 votes Share Flag Sun Oct 21, 2012 Home Buying in 27615
Tom Bohlmann, Real Estate Pro in Wake Forest, NC
Tom Bohlmann answered:
what morgage link means?
That is the "link" to .a mortgage application web site.
0 votes Share Flag Tue Oct 9, 2012 Home Buying in Northeast Raleigh
Ernie Behrle, Real Estate Pro in Raleigh, NC
Ernie Behrle answered:
Would like to hear the pros and cons of slab construction in NC.?
Slab construction versus building a foundation to create a crawl space is a area where builders can save money that can be passed on to the buyers. In todays economy where new housing h ... more
0 votes Share Flag Thu Oct 4, 2012 Home Buying in Raleigh
Tracy Willia…, Real Estate Pro in Raleigh, NC
Tracy Williams Pender answered:
Looking to relocate to Northeast Raleigh, NC possibly. Is this a safe area for kids? Looking at off of Capitol Blvd above the loops?
I actually live in NE Raleigh and would be happy to assist you. Please email me with more details and I'll see what's available in Meryton and other area subdivisions.
0 votes Share Flag Tue Jan 28, 2014 Home Buying in 27616
Mark Pelshak, Real Estate Pro in Morrisville, NC
Mark Pelshak answered:
Is it possible to buy a house in these circumstances?
A USDA loan will offer you 100% financing but they typically require you to bring some money to the table just to show you are serious and have some teeth in the process. This amount i ... more
0 votes Share Flag Thu Sep 27, 2012 Home Buying in Raleigh
Selisa Mcdon…, Real Estate Pro in Raleigh, NC
Selisa Mcdonald answered:
Neighborhoods off Wade Ave? Brier Creek? 300-400,000 range
Are you looking for an attached or detached home in this area ? Upon taking a quick look in the Brier Creek area there is a detached home built in 2009 that is in that price range (it ... more
0 votes Share Flag Fri Sep 28, 2012 Home Buying in Raleigh
Sam Calvert, Real Estate Pro in Raleigh, NC
Sam Calvert answered:
How will Kings Ridge subdivision be impacted by I-540?
In North Raleigh:
- it went thru some owners properties at which the owner was forced to move.
- it placed some existing homes close to Hwy noise.
- it shaved a TON of time off for ... more
0 votes Share Flag Sun Sep 9, 2012 Home Buying in Raleigh
Selisa Mcdon…, Real Estate Pro in Raleigh, NC
Selisa Mcdonald answered:
what does everyone think about living in the 27604 area code?
The 27604 zip code would put you near Capital Blvd which has many shops, businesses and restaurants. There is also the Triangle towne mall, car dealerships, and many older and newer sub ... more
0 votes Share Flag Wed Sep 19, 2012 Home Buying in Raleigh
Teressa Pasc…, Real Estate Pro in 27601
Teressa Paschaloudis answered:
Is it possible to buy a home while full-time student and part-time national guard?
You will need to talk to a mortgage professional. There are a lot of loan products out there that are geared for specific areas such as credit score, amount of money down, etc.
0 votes Share Flag Sat Sep 22, 2012 Home Buying in Raleigh
Benjamin Pas…, Real Estate Pro in 27519
Benjamin Passwaters answered:
What are the most important things to look for when buying a condo/townhouse in Raleigh?
Daniel,

I would make sure to look at the HOA fees. They can range from $60-$200+ dollars in Raleigh. These are monthly fees that are not a part of your monthly payment. Also ask to s ... more
0 votes Share Flag Mon Sep 3, 2012 Home Buying in Raleigh
Larry Story, Real Estate Pro in 27408
Larry Story answered:
I am in the process of buying a house , i was told that it is best to buy a home that has a crawl space instead of a slab . Can you help me?
Telsa,

That is purely a personal decision. The foundation of a home can be built different ways. While some builders prefer to build on a crawlspace, many prefer a slab. If you ar ... more
0 votes Share Flag Mon Aug 27, 2012 Home Buying in Raleigh
Christopher…, Real Estate Pro in Rancho Cucamonga, CA
Christopher Trapani answered:
Is it possible to get a new home loan with a salary of 40k and a low 600 middle credit score?
Bryant, Yes it certainly can be done.

Very Important - If you pay off the collection accounts without getting them deleted, it will LOWER your FICO score. Either negotiate a deletio ... more
0 votes Share Flag Wed Sep 25, 2013 Home Buying in Raleigh
Michael Schm…, Both Buyer and Seller in 27601
Michael Schmitz answered:
We are looking for timber framed homes in the North Raleigh area, are there any for sale?
http://www.greenhomesforsale.com/listing.php?id=19065

This is a hybrid timber frame home for sale in Wake Forest, NC. It is hard to find one in North Raleigh but there is that one in ... more
0 votes Share Flag Mon Dec 8, 2014 Home Buying in Raleigh
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