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Ridhi Raheja, Real Estate Pro in Naperville, IL
Ridhi Raheja answered:
Debt to income maximums?
Dear John, Homepath loans are very ratio conscious, No you don;t have any room to go above 45% DTI, but how are you counting the income , maybe there is some room there. I would also s ... more
0 votes Share Flag Wed Dec 12, 2012 Financing in Naperville
Dan Firks, Real Estate Pro in Naperville, IL
Dan Firks answered:
We got a closing cost worksheet from our lender - and the "cash from borrower" is roughly 3k more than she told us it would be.
Good Morning, Great Question and yes, your lender will be the best source for this answer. Sometimes it might be a tax credit. It should say on the closing statement where all the mon ... more
0 votes Share Flag Thu Jan 26, 2012 Financing in Naperville
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Are prepaid items covered by the seller at closing?
A sellers' credit at closing can only pay for nonrecurring costs. Prepaids are for setting up the escrow for your real estate tax and homeowners' insurance. You must pay for t ... more
0 votes Share Flag Thu Jan 26, 2012 Financing in Naperville
Abigail Buss…, Home Buyer in Oak Park, IL
Abigail Bussard answered:
Question regarding new home purchase and Homepath loan
Also - I'm assuming my mortgage company will still do an appraisal. Is it safe to assume it will appraise out? It's the 4th lowest price ever sold in the neighborhood since ... more
0 votes Share Flag Wed Jan 11, 2012 Home Buying in Naperville
Dan Firks, Real Estate Pro in Naperville, IL
Dan Firks answered:
How important is a survey when buying a resale home?
Hello and Good Afternoon,

A survey is very important because you want to know where your boundary lines for the house are and to insure there are no encroachments or easements on th ... more
0 votes Share Flag Tue Jan 10, 2012 Home Buying in Naperville
John Wilt, Real Estate Pro in Naperville, IL
John Wilt answered:
Question regarding attorney contingency
Look at the contract you used as the 'acceptance date' is usually spelled out. The contract should be delievered to you right after is was signed by the seller. 'Acknow ... more
0 votes Share Flag Tue Jan 10, 2012 Foreclosure in Naperville
Laura Karamb…, Real Estate Pro in Downers Grove, IL
Laura Karambelas answered:
Is it common to not hear back at all from Fannie Mae?
Hi Kevin-

I've had good experiences with Homepath properties and have usually had an answer within a couple of days. As an agent we are not supposed to hold offers but get thos ... more
0 votes Share Flag Thu Jan 5, 2012 Home Buying in Naperville
Kenneth Gerr…, Real Estate Pro in Naperville, IL
Kenneth Gerrans answered:
how can i find houses by school district?
Ncyjse,

You can call or email me. I'll set you up on an MLS search using school district (or even individual school) as a search criteria.

Ken Gerrans
john greene, Realtor
... more
0 votes Share Flag Tue Apr 2, 2013 Home Buying in 60564
Felicia Wade, Real Estate Pro in Katy, TX
Felicia Wade answered:
My girl friend has a section 8 voucher for dupage county and I have a very good job. we are looking for a 4 bedroom house
If you are interested in working with a realtor please let me know and we can begin to search for properties in the areas you are interested in living in.
0 votes Share Flag Wed Apr 3, 2013 Rentals in Naperville
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I just started a new job after being out of work for 6 months. I want to do a 10 year fixed re-fi on a rental property with 30% equity, no late
Assuming your new job's income qualifies, it'll boil down to the reason for the job gap, your new employment, and what you did prior to the job gap.

If you were laid off be ... more
0 votes Share Flag Wed Jan 25, 2012 Financing in Naperville
Michele Nixon, Real Estate Pro in Naperville, IL
Michele Nixon answered:
whom shud i contact to remove my home photos from this website. we bought this house more than a month back, but all photos are still available
Hi,

If we know the home, we can find it on Trulia and find out where the information is being sent from. This usually happens when an agent advertises the home on a particular site b ... more
0 votes Share Flag Wed Nov 16, 2011 How To... in Naperville
Marianne Hof…, Real Estate Pro in Naperville, IL
Marianne Hofmann answered:
What would you be happy selling your home for today? My first question when meeting w/ a potential seller...
I handle things a bit differently. I get all the information about the home from the seller. This is done over the phone. Then I retrieve the tax records and do a complete comparative m ... more
0 votes Share Flag Thu Dec 22, 2011 Home Selling in Naperville
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can you borrow more than the price of the home to cover any and all out of pocket expenses?
There are different types of loans, VA and USDA are no money down and the seller can pay most if not all of the closing costs. There is th fha 203k which you can get money towards repa ... more
0 votes Share Flag Wed Sep 18, 2013 Financing in Naperville
Anthony Cava…, Real Estate Pro in Channahon, IL
Anthony Cavalea IV answered:
I get conflicting questions when I ask if they still do mortgage loans with 10% down, 10% first mortgage, and 80% second mortgage.
The purpose of getting 2 mortgages is to avoid PMI. But I do not believe they are doing that anymore because too often the second mortgagee gets the short end during foreclosure. You ma ... more
0 votes Share Flag Thu Oct 27, 2011 Financing in Naperville
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
how do i remove photos of the property from Trulia site that i recently purchased?
You can ask your agent to make any necessary updates, or directly contact customer service...
http://www.trulia.com/help/ask/
0 votes Share Flag Sat Dec 10, 2011 Home Buying in Naperville
Marianne Hof…, Real Estate Pro in Naperville, IL
Marianne Hofmann answered:
Which Naperville IL Realtor has the highest volume of sales
Hi Megs,

I don't know which Naperville Realtor has the highest volume of sales, but I do know that what is really important is how your home is marketed and how often you receiv ... more
0 votes Share Flag Mon Oct 10, 2011 Home Selling in Naperville
Alex Pereira, Real Estate Pro in Livonia, MI
Alex Pereira answered:
Do you advise a homeowner to put in granite if that is the norm for the neighborhood or reduce their price to be more appealing?
As a real estate professional I not only help folks with real estate but I personally buy and rehab properties with my crew all the time and in today's market upgrades can mean wee ... more
0 votes Share Flag Thu Jan 2, 2014 Home Selling in 60540
Rachel Damma…, Real Estate Pro in Westminster, CO
Rachel Dammann answered:
Buyers expect to pay additional fees at closing. They are often told the fee to expect is 2% of the purchasing price. What do you think?
Closing cost fee percentage changes based on the purchase price. A property sold for $50,000 will need alot more than 2% in closing costs, but a house at $400,000 could see about 2%. ... more
0 votes Share Flag Tue Sep 13, 2011 Home Buying in Naperville
Mike Hagen, Real Estate Pro in Wheaton, IL
Mike Hagen answered:
Any owner interested in Section 8 ?
I have rented to many Section 8 tenants. Please feel free to contact me at the number below.
Mike Hagen
Evergreen Real Estate
630-248-2292
0 votes Share Flag Sun Jul 17, 2011 Rentals in Naperville
Trevor Hunti…, Real Estate Pro in Port Townsend, WA
Trevor Huntingford answered:
what does it mean if a home status is listed as "active contingent"?
Every area and multiple listing has a little different terminology but it most likely means that the Seller has acccepted an offer the is contingent on the sale of the buyers home. Most ... more
0 votes Share Flag Sat Dec 10, 2011 Home Buying in Naperville
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