Home Buying in Louisville : Advice

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Joe Hayden R…, Real Estate Pro in Louisville, KY
Joe Hayden Real Estate Team answered:
What are some tips for first-time home buyers?
That's funny you asked... I'm updating that page on my site now... Please see the link. You can also read a few blog posts on real estate education - http://www.joehaydenre ... more
0 votes Share Flag Thu May 17, 2012 Home Buying in Louisville
Ronnie Bramer, Real Estate Pro in Saint Petersburg, FL
Ronnie Bramer answered:
Which costs are potentially negotiable in closing costs
If you are going FHA you can ask the seller to pay up to 6% of the sales price in your closing cost. As far as actual fees each bank mortgage can vary in each region of the country . Co ... more
0 votes Share Flag Mon Mar 5, 2012 Home Buying in Louisville
Brian Taylor…, Real Estate Pro in Louisville, KY
Brian Taylor Clark answered:
What are some surprises that first-time buyers encounter when purchasing a home?
There are always going to be things that arise, whether you are a first-time home buyer, or a seasoned vet. A good agent will help minimize and mitigate these items, but no transaction ... more
0 votes Share Flag Mon Mar 5, 2012 Home Buying in Louisville
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
self employed barber, booth rent same shop 16 yrs. 30000.down pay. previous home owner. what are my chances of getting a loan. great credit.
There are a lot of factors that go into getting approved for a mortgage. Really the only one who can tell you is a mortgage lender. I don't mean a big bank, but a bank that speci ... more
0 votes Share Flag Fri Feb 24, 2012 Home Buying in Louisville
Mary Bishop, Real Estate Pro in 40118
Mary Bishop answered:
I haven't done much since moving to Kentucky. Are "subject to" purchases commonly done here? What do I need to be aware of?
Usually " subject to" ... are short sales. In this instance properties are in preforeclosure and are subject to the seller's mortgage co agreeing to take less than what ... more
0 votes Share Flag Sat Mar 3, 2012 Home Buying in Louisville
Michael Thac…, Real Estate Pro in Louisville, KY
Michael Thacker answered:
Are you taking full advantage of the opportunity to visit open houses on Sundays?
I LOVE open houses on Sundays! I go to them even on days that I am not "working"!

Great question!

Michael
0 votes Share Flag Sat Sep 21, 2013 Home Buying in Louisville
Cammianne, Other/Just Looking in Louisville, KY
Cammianne answered:
To the buyers in Louisville, Ky, what issues are preventing you from buying a home in next 4 weeks?
Bad credit, mostly, LOL.

We're currently renting and love the neighborhood, so we'd like to stay here. We found a home we like, but it's in pre-foreclosure. We hav ... more
0 votes Share Flag Sat Feb 18, 2012 Home Buying in Louisville
Oggi Kashi, Real Estate Pro in San Francisco, CA
Oggi Kashi answered:
Are most buyers in today's market interested in a move in ready home vs a fixer upper?
Out here in SF Bay Area it seems that way. Prices are high and most 1st-time homebuyers can't afford to work on the property after purchase. That makes move-in-ready properties muc ... more
0 votes Share Flag Wed Mar 7, 2012 Home Buying in Louisville
Mary Beth Va…, Real Estate Pro in Louisville, KY
Mary Beth Vanmeter answered:
What are the three most important traits that an excellent realtor should possess?
I agree with the three items you selected. Three things that I believe help me stand apart from other agents, prompt professional communication, educating the client as to what to expec ... more
0 votes Share Flag Wed Feb 1, 2012 Home Buying in Louisville
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
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
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:
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
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
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
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
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