45400 : Advice

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Daniel Alvar…, Real Estate Pro in Union City, NJ
Daniel Alvarez answered:
I have a 612 middle score and need an FHA 203B loan for a house. Any advice?
Do you have a capital one credit card?

I was able to boost my score by 20 points within 3 months just by accepting the card, using it once, and then paying off the entire balance.

... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Dayton
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Have a 612 credit score. Need an FHA mortgage and advice. Please help!
Good morning bdremployment,

Many Lenders today require a minimum credit score of 640 to qualify for mortgage financing. If your credit score is less than 620, this is BAD credit.
... more
0 votes Share Flag Tue Jul 16, 2013 Credit Score in Dayton
Teresa Luther, Real Estate Pro in Dayton, OH
Teresa Luther answered:
I am looking for an FHA mortgage for a property north of Dayton (Harrison Township). I have a 612 middle score.
Unfortunately, this is a question for a mortgage broker. Find a bank that you like and sit down with the mortgage department to get prequalified. It will make the buyer process easier ... more
0 votes Share Flag Tue Feb 26, 2013 Home Buying in Dayton
Bob Voge, Real Estate Pro in Dayton, OH
Bob Voge answered:
Can I put in an offer on a reo home if it has not been listed yet?
Most banks won't/can't accept offers util the property has been listed.

Bob Voge
0 votes Share Flag Wed Apr 10, 2013 Foreclosure in Dayton
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Can I put an offer on a reo home that is not listed yet.?
If you know who the listing agent is then you are in a good position since the bank will get the agent to do some ground work. They will be asked to value the house, get estimates, clea ... more
0 votes Share Flag Wed Oct 17, 2012 Home Buying in Dayton
Doug Wagner, Real Estate Pro in Centerville, OH
Doug Wagner answered:
How can I find out what the utility bills are on a certain property?
Kathy-

Due to newer privacy laws, individuals can no longer inquire about a particular property's utility costs with the various utility providers. That information needs to come fr ... more
0 votes Share Flag Fri Aug 23, 2013 Home Buying in 45458
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Poor credit, but have worked for the same employer for 8 years and have rented a home for the past 4 years. First time buyer in need of a home loan.
Your best bet is to meet with a local and trusted loan officer who can prequailify you at no cost and after looking at your credit and financials let you know if there is a mortgage pro ... more
0 votes Share Flag Tue Oct 9, 2012 Home Buying in Dayton
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
Is there any {3 day right} to cancel, after closing. Like there was in the contract to purchase
you want to know if you can cancel the sale AFTER the closing?

Well, I know I am in NJ, not Ohio......but I am going to take a guess that even in Ohio - once you close - the house is ... more
0 votes Share Flag Thu Oct 4, 2012 Home Buying in 45424
Craig Scanlon, Real Estate Pro in Dayton, OH
Craig Scanlon answered:
Who owns this property and is it for lease?
Please give me an address or send info to realtorcraig@woh.rr.com..happy to look into .. Craig
0 votes Share Flag Thu Sep 27, 2012 In My Neighborhood in 45414
Bryan Ogletr…, Real Estate Pro in Dayton, OH
Bryan Ogletree answered:
what is the cost of the house at 315 N. Cherrywood
$15840 However it has sold two weeks ago. If you have an=y others or would like any additional information dont hesitate to give me a call @ 937-470-7264... Bryan
0 votes Share Flag Thu Sep 20, 2012 In My Neighborhood in Wright View
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
we, the buyers r ready to close, sellers dragging their feet. like they changed their minds about this. what can we do?
It really sounds like you are trying to do this without the help of a Realtor;
Why would you do that when his representation would have been FREE.

You can do it yourself,
or you ca ... more
0 votes Share Flag Thu Sep 20, 2012 Home Buying in 45424
Tammy Murphy, Real Estate Pro in Dayton, OH
Tammy Murphy answered:
how long do sellers have to vacate the property after closing?
This is negotiable - shoule be written as part of the contract. Typically you may take possession AT closing (if the property is already vacant or the seller is moving out already.) H ... more
0 votes Share Flag Wed Sep 19, 2012 Home Buying in 45424
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
How much should you lower your price if you want it to sell or at least have an offer?
LISTING PRICE
Understand that the LISTING PRICE has one primary objective, to attract attention: It is not intended to be set in stone, and in many cases it is not even a good guidelin ... more
0 votes Share Flag Sat Nov 24, 2012 Home Selling in Dayton
Teresa Luther, Real Estate Pro in Dayton, OH
Teresa Luther answered:
question for Dayton realtors, I have a house in Dayton for sale, listed with an agent, it isn't selling.
Have you asked your agent this question? You are paying this person to list and market your property, so that should be your resource for questions.
0 votes Share Flag Sun Sep 2, 2012 Home Selling in Dayton
Bob And Sue…, Real Estate Pro in Dayton, OH
Bob And Sue Whigham answered:
we want to buy that particular home need your assistance?
This home is not listed in the MLS nor is it a HUD home yet. Not sure how you believe it is for sale. Please contact me to see if I can help. 937-435-2267 ext 163
0 votes Share Flag Mon Aug 20, 2012 Home Buying in 45405
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
what does it mean to sell a house "as is?"
As is generally means the owner is not willing to make any repairs.....
0 votes Share Flag Fri Aug 17, 2012 Home Buying in 45459
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
I have a house listed in Dayton and I'm wondering if I should get a new agent
It sounds like there might be more going here:

It is not his responsibility to produce "showings";
the fact that it is Listed on the MLS should produce Buyers and their Agents.

... more
0 votes Share Flag Thu Aug 16, 2012 Home Selling in Dayton
David M. Chi…, Real Estate Pro in Akron, OH
David M. Childress answered:
how is the crime rate?
You may check demographics and crime at your local Sherrif's website. Realtors are not permitted to discuss these issues. Good luck.
0 votes Share Flag Fri Aug 17, 2012 Crime & Safety in Belmont
Teresa Luther, Real Estate Pro in Dayton, OH
Teresa Luther answered:
If I am purchasing a HUD home for cash and at due to a foreclosure will not qualify for a FHA mortgage for 3 yrs... can I still qualify for the 203k?
The 203k is a type of FHA mortgage where funds are included in the loan for rehabbing the property. If you cannot qualify for a FHA mortgage; you cannot qualify for the 203k.
0 votes Share Flag Tue Jul 31, 2012 Foreclosure in Dayton View Triangle
Teresa Luther, Real Estate Pro in Dayton, OH
Teresa Luther answered:
Is it difficult or costly to buy a foreclosed property?
Hi Jessica. Foreclosures are generally less expensive than homeowner owned sales, but many times the buyer must be prepared for expenses related to repairs or some elbow grease.
0 votes Share Flag Mon Aug 6, 2012 Foreclosure in Dayton
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