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Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Are there ways to avoid PMI even if you can only put 7-10% down?
Devon unless you put down 20% you can not avoid PMI on a new mortgage. Once you get the mortgage and your equity builds so that your equiy builds toover 20%, you can ask your lender to ... more
0 votes Share Flag Wed Jan 29, 2014 Financing in 40222
Michelle Smi…, Real Estate Pro in Louisville, KY
Michelle Smith answered:
On a $200,000 home in Louisville, KY, how much extra per month should one plan to pay on top of Mortgage for PMI, taxes, and homeowners insurance?
Your PMI depends on your actual loan a amount (not the purchase price), the type of loan program you choose (FHA, Conventional, etc.) We need a bit more information to answer accurat ... more
0 votes Share Flag Mon Feb 11, 2013 Home Buying in 40222
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
How do I buy a forclosed home in the city of louisville do I need a realestate agent or do I go through a bank how is this process done?
You should have a real estate agent. You don't deal directly with the bank.

What happens is this: The bank puts the property on the market. It lists it with a real estate agent. ... more
0 votes Share Flag Mon Jan 2, 2012 Foreclosure in Louisville
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
How can I find brand new homes on your website that i am interested in?
For accurate and up to date listings, consider working with an agent; keep in mind that various sources feed into online sites, and sometimes the information may not be posted, not upda ... more
0 votes Share Flag Thu Dec 22, 2011 Home Buying in Louisville
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
can I trade a house for another house?
Probably not.

For that to happen, you would both have to either own the house outright, or be able to assume the loan on the other house.

All the best,
0 votes Share Flag Thu Dec 8, 2011 General Area in Louisville
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
Can I trade a home for another home?
I have financed many trades in Louisville. Make sure your team, Realtor and lender are on board, these transactions require a little extra TLC. You’ll need to do much of the fo ... more
0 votes Share Flag Thu Dec 8, 2011 Home Buying in Louisville
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
What is the most desirable neighborhood in Louisville,Ky. ?
That depends on your price range, let me know if I can be of service.
0 votes Share Flag Wed Feb 4, 2015 Home Selling in 40204
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
Moving into Area. Would like to lease a home with the option to buy. Can anyone help? Please contact me if you think you can help. 502-639-7368.
Research the subject in depth before jumping in. They are probably not what you expect. In this type of transaction the underlying assumption is the seller will be able to perform in ... more
0 votes Share Flag Sun Dec 11, 2011 Home Buying in Louisville
Terry Bell, Real Estate Pro in Santa Rosa, CA
Terry Bell answered:
Trust Your Realtor?
Top of my list would be:
1. by referral from a trusted friend
2. by going to open houses and seeing agents in action
3. Looking for someone on Trulia and reading their blogs!

Most ... more
0 votes Share Flag Sat Sep 7, 2013 Home Buying in 40223
Charlene Kli…, Real Estate Pro in Louisville, KY
Charlene Kline answered:
Is a connected Gas Range and dishwasher considered a stand alone appliance or a built in appliance?
The general rule for real estate is that "if it is screwed in or nailed on" it remains. Therefore the gas range would remain, but safer to name it in any offer to purchase. A ... more
0 votes Share Flag Wed Feb 1, 2012 Home Buying in 40205
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
what is the anticipated trend in purchase activity in the upcoming Spring market?
Hey Jerry, how is it going? I have seen a very large increase in traffic in the last month. Hope this is a good sign for the spring.
0 votes Share Flag Thu Nov 10, 2011 Market Conditions in Louisville
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Relocating to Louisville by Employer need to purchase property but score barely 500 but have 15k where do I start?
Start where every buyer should start - Step #1 = Talk to a lender or two and find out where you are.

Then go from there to steps #2, 3, etc.
0 votes Share Flag Wed Nov 9, 2011 Home Buying in Louisville
Syndi Chesser, Real Estate Pro in Louisville, KY
Syndi Chesser answered:
Is there an overbidding process in Kentucky law when buying a house that is subject to court approval due to being part of an estate?
Kacy, it has been my experience that court review of offers to purchase on estate-owned properties is largely to ensure that a fair and reasonable price is being paid to the estate.
... more
0 votes Share Flag Wed Oct 26, 2011 Home Buying in Louisville
Marie Souza…, Real Estate Pro in Centerville, MA
Marie Souza Team answered:
renting through trulia is it safe
Have you spoken to the Rental Agent? Landlord? Owner? This is the first place to start, as you can ask many questions & get a feel for their knowledge of the property. Go further by ... more
0 votes Share Flag Wed Oct 12, 2011 Rental Basics in Louisville
Michael Emery, Real Estate Pro in Minneapolis, MN
Michael Emery answered:
I went to jcomm.org to see if our house sold @ auction. Current lender was listed as purchaser with an amt Does this mean it was actually sold?
It sounds like your lender purchased the property @ foreclosure to protect their own financial interests. In states with the right of redemption (Kentucky appears to have a redemption p ... more
0 votes Share Flag Sun Sep 1, 2013 Foreclosure in 40222
John Burns, Real Estate Pro in Owensboro, KY
John Burns answered:
Are there any agricultural abatements for homes on acreages in either Indiana or Kentucky?
In Kentucky, if a property is classified as a farm, then the land can only be valued, for property tax purposes, at the agricultural value of that land. The "farm" has to be ... more
0 votes Share Flag Thu Sep 29, 2011 Home Buying in Louisville
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I sold my house and my credit dropped 100 points. Not a short sale or foreclosure. I wanted to buy another house, but now I don't qualify.
Were you current on your mortgage the entire time?

Often when an account is closed it can hurt your scores, usually it's just a few points, maybe even a dozen, but 100 points is ... more
0 votes Share Flag Fri Jul 5, 2013 Credit Score in 40245
Cassandra Kr…, Real Estate Pro in Louisville, KY
Cassandra Kraig answered:
I have a middle score of 545 (I think) and my husband 560, we want to view a house thats on the mkt, but can't until we get preapproved-is there
I think I have a lender you should talk with...at least I know she has had success with others in what sounds to be a similar situation to yours. Of course you can discuss the details ... more
0 votes Share Flag Wed Sep 21, 2011 Home Buying in Louisville
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
Can we get a release of contract? What fees will we have to pay, if so?
Firsttime,

Your options should be spelled out in your purchase agreement but as it been described the fact that you have missed the bank's targeted closing dates at the very lea ... more
0 votes Share Flag Wed Aug 17, 2011 Home Buying in Louisville
Marcia Whigh…, Real Estate Pro in Louisville, KY
Marcia Whigham Duncan answered:
How do I update the info on my Mother's house which is on the market?
If the property is listed, then you can have the agent update the information.
0 votes Share Flag Tue Jul 12, 2011 Home Selling in Louisville
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