Home Buying in 45244 : Advice

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tom roberts, Real Estate Pro in powell, OH
tom roberts answered:
Trouble getting a government mortgage for condo?
Dana Ill see what I can find,there is a fha site and if condo isnt on the site,then cant loan FHA
0 votes Share Flag Wed Dec 16, 2009 Home Buying in Cincinnati
Jenny A. Le,  in California
Jenny A. Le answered:
About the $8,000 federal tax credit, has it been extended to May 30th of next year? I thought I heard something about the extension on the news.
The Senate needs to vote on the legislation extension and the official vote is projected by late next Tuesday. So the final result could be available by Wednesday.

The latest versio ... more
0 votes Share Flag Wed Nov 4, 2009 Home Buying in Cincinnati
Patrick Thies, Real Estate Pro in Anytown, IL
Patrick Thies answered:
What are the usual percentages attached to sales prices when there's an FHA or VA foreclosure? An agent is saying it's 88% of the listing
Banks are looking for the highest and best offers. It's possible that agent has been instructed to only consider offers at that percentage or higher. It will save the bank time a ... more
0 votes Share Flag Tue Oct 13, 2009 Home Buying in Cincinnati
Patrick Thies, Real Estate Pro in Anytown, IL
Patrick Thies answered:
If I am a first time home buyer who bought my house in August of 2008, do I qualify for the tax credit?
Not the $8000 credit but you may be able to take advantage of a tax credit for home purchases that closed after April 8, 2008, and before Dec. 1, 2009.
0 votes Share Flag Thu Oct 1, 2009 Home Buying in 45211
Laurie Cobb, Real Estate Pro in West Chester, OH
Laurie Cobb answered:
im wanting to move to cincinnati,ohio and im looking for a 2 bdrm apartment that accepts section 8 housing can you help me?
There is an apt community in Milford, which is a suburb of cincinnati, called Pebble Brooke. They accept Section 8 and it's a pretty nice community. Hope this helps!
0 votes Share Flag Tue Sep 22, 2009 Home Buying in Winton HIlls
Nellie Schwe…, Real Estate Pro in Cincinnati, OH
Nellie Schweer answered:
we want to buy a home, 2 bedrooms for under 40,000, but don't have the credit to get a loan. can anyone help?
You need to talk to a good lender/loan officer and they will tell you best way to rebuild your credit, other wise your only option would be cash or if you could get a seller to do a lan ... more
0 votes Share Flag Sun Sep 6, 2009 Home Buying in Cincinnati
Susie Ripp, Real Estate Pro in 80526
Susie Ripp answered:
what is the difference between "bank approved short sale" and a short sale.?
A short sale situations exists when the seller owes the bank more money than the asking price for his or her home. If it is a bank approved short sale than the bank is ready and willi ... more
0 votes Share Flag Sat Aug 1, 2009 Home Buying in Cincinnati
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
how long should closing take after FHA approves loan?
Jalynn after full approval you can close the next day. If you get full approval in the morning and your agent has a good raport the title company, and the lender can send out the instru ... more
0 votes Share Flag Sun Jul 26, 2009 Home Buying in 45229
Sultan7, Home Buyer in Cincinnati, OH
Sultan7 asked:
HOW IS WEATHER IN VIRGINIA?
0 votes Share Flag Fri Jun 12, 2009 Home Buying in 45201
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
How do we buy a house with mid 500s credit score? My fiance and I both have mid 500 credit scores. We want a
Esb you need to raise your credit scores to qualify for a loan. Currently lenders are looking for a 620 score. If you would like you can contact me and I will refer you to a lender that ... more
0 votes Share Flag Wed Jun 3, 2009 Home Buying in Cincinnati
John Durso, Real Estate Pro in Cincinnati, OH
John Durso answered:
I am looking at houses in cincinnati. I am a picky buyer and want to know how much buying power I have? I am
Over the last two years prices have come down in these areas but not as fast as other areas in greater Cincinnati. Those zip codes have historically appreciated annually. What type of h ... more
0 votes Share Flag Thu May 28, 2009 Home Buying in Cincinnati
Leasing To O…,  in Dallas, TX
Leasing To Own Solutions answered:
Interested in doing a lease/option, but am discriminating. How can I make this attractive to sellers?
Why would you need a Realtor at all? (unless, of course, you make an offer on a listed property) And not quite sure what you exactly mean by "discriminating"? Hopefully, you're referi ... more
0 votes Share Flag Tue May 26, 2009 Home Buying in Cincinnati
Carlos Marco, Real Estate Pro in 33180
Carlos Marco answered:
How would a lease to own work? What is the process and who holds the title?
A lease-to-own property purchase (also "rent-to-own purchase" or "lease purchase") is a lease combined with an option to purchase the property within a specified period clearly specifie ... more
0 votes Share Flag Tue Jun 23, 2009 Home Buying in Cincinnati
Lindsay Anne…,  in Cincinnati, OH
Lindsay Annett Shapiro answered:
Are there any lenders that offer mortgages with only a 5% down payment in Cincinnati? We are looking for a
I heard that PNC is doing this. You may also want to check Union Savings.
0 votes Share Flag Thu Apr 16, 2009 Home Buying in 45226
Plano,  in Plano, TX
Plano answered:
I only have a 658 fico. However, I have a good job making 6 figures and have 40% down. Can I get a loan?
If your debt to income isn't too high, then yes. I don't see why not. My score is right around that number and I bought a house!
0 votes Share Flag Wed May 27, 2009 Home Buying in Cincinnati
Gayle Bartle…,  in 02748
Gayle Bartlett answered:
my realtor said that I have to put 10% down if I buy a condo. unless I get an FHA loan....then I could put
Yes your Realtor is correct. FHA loans require 3.5% down... the problem is that FHA loans have a condo questionnaire that needs to be filled out by the Condo Association. This questio ... more
0 votes Share Flag Mon Mar 30, 2009 Home Buying in Cincinnati
Mary Starkey, Real Estate Pro in Springboro, OH
Mary Starkey answered:
we want to buy a home we live in a paid for mobile home and have 5,000.00 plus in cashand any tax credet
The first step is to find a mortgage lender. He will run a credit check and advise you on the price of home you can afford. Ask for a good faith estimate which will show all the cost ... more
0 votes Share Flag Thu Apr 16, 2009 Home Buying in 45251
Rainey Delot…, Other/Just Looking in Cincinnati, OH
Rainey Delotell answered:
did anyone hear anything thing about getting 5000$ down payment for first time home buyers in May?
Steven -
You may be referring to the Federal Home Loan Bank program which is usually released sometime in March with funding in May. Not every bank is a member of the Federal Home Loa ... more
0 votes Share Flag Tue Mar 24, 2009 Home Buying in 45251
Sheri Mapes, Real Estate Pro in Cincinnati, OH
Sheri Mapes answered:
Realtor says I may be priced out forever...and I do not want to rent.
Hello:

These are all great questions. It is a great time to buy now. The inventory is up, prices are very good and there is the first time buyer credit of $8,000 (10% of purchase p ... more
0 votes Share Flag Wed Apr 15, 2009 Home Buying in Cincinnati
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
we have put a cash offer in that is considerably lower than what the house is listed for. during our 8 weeks
Agent does not know that information or feed back not provided to us.

If the lender liked your offer they would have accepted it. Whether a cash offer OR lender seller still nets th ... more
0 votes Share Flag Sun Mar 29, 2009 Home Buying in Cincinnati
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