Home Buying in Charlotte : Advice

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Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
How much money should you have saved before you buy your first house?
I am an accountant's daughter, so I tend to be conservative...........that being said........besides your down payment, and closiing/moving expenses...........I'd say that, in ... more
0 votes Share Flag Fri Feb 10, 2012 Home Buying in Charlotte
John Siddons…, Real Estate Pro in 28203
John Siddons - REALTOR® answered:
If a buyer is interested in making a offer on a foreclosure or a property up for a shortsale; is there room for the REO to negotiate with the banks.
Sam,

Are you currently working with a buyers agent? If you are not, you should get one. The sellers pay the commission so it would cost you nothing to use one in helping with purch ... more
0 votes Share Flag Thu Feb 16, 2012 Home Buying in Charlotte
dave, Real Estate Pro in Charlotte, NC
dave answered:
Buying 30, 40, 50 cents on the dollar, in most cases are homes that are foreclosed or sold wholesale?
Sam,

the illusion you can buy a foreclsoure for 30, 40 or 50 cents on the dollar is a smoke and screen game. You may be able to find homes that sold fo that. BUT, the homes nee ... more
0 votes Share Flag Wed Feb 8, 2012 Home Buying in Charlotte
John Siddons…, Real Estate Pro in 28203
John Siddons - REALTOR® answered:
I have seen several of your properties that I am interested in talking to someone about. Is there someone I can talk to to see if there is any way I?
Hi Deborah!

Call me as soon as you get a chance and I'll help you out!

John Siddons
704-458-1843
john.siddons@prucarolinas.com
0 votes Share Flag Wed Feb 8, 2012 Home Buying in Westchester
Walter P Brz…, Real Estate Pro in Charlotte, NC
Walter P Brzozowicz answered:
Buying on terms how is this process implemented and are there examples that reflect how to go about this in an organized manner.
You will need to build credit. You have credit already but your lender needs you to get them the information. A lender who handles non traditional credit might be able to assist.

Wa ... more
0 votes Share Flag Mon Feb 6, 2012 Home Buying in Charlotte
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
What does it mean when a lender says 5 to 6 points origination?
It means the money is expensive.

One point equals 1% of the loan amount. So if you're borrowing $100,000, then 1 point equals $1,000. In this case, the lender is saying the orig ... more
0 votes Share Flag Tue Feb 7, 2012 Home Buying in Charlotte
Scott Lindsl…, Real Estate Pro in Charlotte, NC
Scott Lindsley answered:
I need forclosure expert at Ballantyne area.
We have a team that specializes in working as buyers agents for foreclosed properties in Charlotte - homes and condos.

http://www.banktownforeclosures.com/our_team

We've help ... more
0 votes Share Flag Wed Feb 15, 2012 Home Buying in Charlotte
Amy Baker, Real Estate Pro in Charlotte, NC
Amy Baker answered:
how much money would i need to put down to buy a second home?
Hey Alex,

Typically a 2nd home requires 20% down but there are just a few exceptions depending on your individual situation.

Amy Baker
Allen Tate Realtors
704.258.1459
Amy.Bak ... more
0 votes Share Flag Fri Feb 3, 2012 Home Buying in Charlotte
Frank Coxx, Real Estate Pro in 28110
Frank Coxx answered:
My credit scores are between 550 and 600, but I have 30% to put down on a home.
I may have a couple of lenders who can get it done. 980-307-5558 ask for Frank
0 votes Share Flag Wed Jul 31, 2013 Home Buying in Windsor Park
Jason McCree…, Real Estate Pro in Charlotte, NC
Jason McCree Gentry answered:
how long will it take on a short sale. there are 2 offers involved, but the home was previously approved to sell and the buyers backed out?
It depends on the financial institutions involved. Some will move forward at the place where the last buyers left others. Others will require a complete resubmittal. Sometimes time i ... more
0 votes Share Flag Wed Jan 25, 2012 Home Buying in Charlotte
Jan Teel, Real Estate Pro in Charlotte, NC
Jan Teel answered:
Which areas are good for getting a rental investment property? The target tenants groups are small family or professional.Thanks.
Your answer will always be driven by location. In the Charlotte Region the number one thing to determine value and assure good occupancy is the school assignment. Even if you are not ta ... more
0 votes Share Flag Tue Feb 7, 2012 Home Buying in Charlotte
Jayne Helms, Real Estate Pro in Concord, NC
Jayne Helms answered:
My husband and I are relocating from LI to Charlotte in April..What areas in South Park do you suggest? we have a 5 month old daughter as well
I can help you find the right neighborhood for you! What is your price range?
0 votes Share Flag Fri Mar 20, 2015 Home Buying in Charlotte
Gloria Fridr…, Real Estate Pro in Waxhaw, NC
Gloria Fridrich answered:
HOW GOOD DO YOUR CREDIT HAVE TO BE TO PURCHASE OR RENT TO BUY A HOME?
It will depend on the type loan check out this website: http://www.fha.com/fha_article.cfm?id=200
There are minimum credit score requirements for FHA home loans depend on which FHA loa ... more
0 votes Share Flag Tue Jan 24, 2012 Home Buying in Charlotte
John Siddons…, Real Estate Pro in 28203
John Siddons - REALTOR® answered:
list to sale prices in area 5 and area 6
What exactly is your question in regards to list to sale prices? I'd love to help you with your home-buying in Charlotte and I work for buyers at no cost directly to them. I am a ... more
0 votes Share Flag Mon Jan 23, 2012 Home Buying in Charlotte
Amy Baker, Real Estate Pro in Charlotte, NC
Amy Baker answered:
Looking for a new ranch style home in Charlotte, NC
Cosette,

I just listed a ranch home with a bonus room upstairs yesterday. It is t brand new but it is upgraded with hardwood floors,granite, etc.

I'm happy to email that lis ... more
0 votes Share Flag Sun Apr 13, 2014 Home Buying in 28269
John Siddons…, Real Estate Pro in 28203
John Siddons - REALTOR® answered:
Is it possible to get a home in Charlotte/Waxhaw if my credit score in 627? I'm afraid I cannot get a mortgage
Hey Dawn!
I have a lender that should be able to get you a loan! Please email or call me directly and we can discuss. My buyer services are free to you!
John Siddons
704-458-1843
... more
0 votes Share Flag Thu Jan 19, 2012 Home Buying in Charlotte
Sahas, Home Buyer in 28262
Sahas answered:
Can i get a loan for home at 630 (average of 3 ) score in Charlotte , NC ?
Also forgot to add ..have no debts , own my car and stable job in usa from 7 yrs )
0 votes Share Flag Thu Feb 27, 2014 Home Buying in 28262
Don Maclary -…, Real Estate Pro in 23451
Don Maclary - Realtor* ABR* answered:
is renting with the option to buy a good idea while i improve my credit score ?
In many cases you pay more to stay in rent to own and wind up buying a different property.
Have you concidered living as cheaply as possible and banking a down payment for a while.
0 votes Share Flag Tue Mar 12, 2013 Home Buying in 28269
Debbie &…, Real Estate Pro in Charlotte, NC
Debbie & Salvador Arriero answered:
Can anybody help me to find an FHA loan officers in Charlotte area? we are planning to buy a house. we are 1st time homeowner.
There are definitely many lenders out there that do FHA loans. Please contact me on my web site www.PropertiesofCharlotte.com or send me an email ArrieroRealty@gmail.com and I will give ... more
0 votes Share Flag Mon Jan 9, 2012 Home Buying in Charlotte
Amy Baker, Real Estate Pro in Charlotte, NC
Amy Baker answered:
i have $8,000 to put down on a $42,000 home i want to buy and a credit score of 600 but only been at my job for 6 months . can i get a loan?
That might depend on what you did before this job. Another job? Job in the same field? Student?

You might be a good candidate for an FHA loan.

Best way to know for sure is to con ... more
0 votes Share Flag Wed Jul 3, 2013 Home Buying in 28269
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