Saint Clair County : Advice

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Fred Glick, Real Estate Pro in Santa Monica, CA
Fred Glick answered:
A HELOC WITH A HOUSE AS COLLATERAL(HOUSE IS PAID OFF) IS A NON RECOURSE LOAN ISN'T IT.
Sorry, no.

All a HELOC is is a fancy marketing name for a loan. All it is is a loan.

The way you pay it back is through a line of credit and the terms agreed to.

It's sti ... more
0 votes Share Flag Sun Nov 14, 2010 Foreclosure in Belleville
Terrence Cha…, Home Owner in Allentown, PA
Terrence Charest answered:
Do any of you have any insight into the process Wells Fargo follows to contest low appraisals given to potential refi customers?
You should be able to see what their comps were. I have seen in my office where comps would come in and the homes are not the same style or even if they were, they would have been from ... more
0 votes Share Flag Fri Dec 3, 2010 Financing in Belleville
Mortgagegals, Real Estate Pro in Carlyle, IL
Mortgagegals answered:
For this property, 1410 Double Eagle Circle, Belleville IL 62220, is it possible that our children could attend Mascoutah Schools rather than
you may want to contact the Belleville school system, I am sure they will have the correct answer for you or if any options as well. Looking for a home loan please call our office or ch ... more
0 votes Share Flag Tue Oct 5, 2010 Home Buying in Belleville
Dennis Feist, Real Estate Pro in Shiloh, IL
Dennis Feist answered:
is the house at 9625 Teal Court still on the market?
9625 Teal Court appears to be sold and off of the market. The good news is there are more properties available in this same development. I spoke with the agent representing the builder ... more
0 votes Share Flag Thu Sep 30, 2010 Home Buying in Mascoutah
Michael Cline, Real Estate Pro in Chicago, IL
Michael Cline answered:
Looking for a high LTV investment refinance in Belleville
Aj,

I commend you on your efforts to not only keep the home (instead of walking away from it), but also to pay down the balance to keep from being underwater. Unfortunately, I' ... more
0 votes Share Flag Thu Jul 8, 2010 Financing in Belleville
Kris McMath…, Real Estate Pro in Columbia, IL
Kris McMath Brower asked:
0 votes Share Flag Thu Jun 24, 2010 Home Buying in O'Fallon
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
If my home is vacant for an extended period, what insurance issues will I encounter?
First some insurance companies will not insure a vacant home. You need to check their guidelines. In most cases you will need to go into what they call surplus lines for insurance which ... more
0 votes Share Flag Sun Mar 16, 2014 Home Insurance in 62232
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
what is the number of the house on Lincoln Blvd in Mascoutah, IL 62258?
Since no local answers yet--you may wish to drive by and take a look at the number and street view of the property--or any local agent can help you--contact any realty office(s) and inq ... more
0 votes Share Flag Tue May 4, 2010 Foreclosure in Mascoutah
Dennis Feist, Real Estate Pro in Shiloh, IL
Dennis Feist answered:
How available is land in the Freeburg area? (not a lot in a subdivision)
Currently in the city of Freeburg, IL there are 25 properties ranging between .25 to 8.4 acres available. Some may be in subdivisions.These are listed in the MLS.
0 votes Share Flag Tue Feb 4, 2014 Home Buying in Freeburg
John Dreas, Other/Just Looking in Caseyville, IL
John Dreas asked:
Forest Lakes was developed with TIF funds. . Who is paying interest ?? or whatever on the money borrowed since the development is on hold.? There is barricade across the driveway at the east end of the housing development
0 votes Share Flag Mon Mar 8, 2010 Home Buying in Caseyville
Renee Estes, Real Estate Pro in Swansea, IL
Renee Estes answered:
Who has access to St Clair lake off N 15th street in Swansea? Just those houses directly on the lake or do the neighborhoods such as Pin Oak Lane also
The homes ON the lake, typically have partial ownership/ water rights divided equally amongst themselves. As far as neighborhoods around it, unless there is a subdivision or associatio ... more
0 votes Share Flag Tue Feb 23, 2010 General Area in Swansea
Paul Walker, Real Estate Pro in O'Fallon, IL
Paul Walker answered:
WHAT REQUIREMENT NEED TO BE MET TO PASS CITY INSPECTION IN BELLEVILLE IL FOR A HOUSE TO SELL?
There are many things that the City of Belleville will be looking for. You may call the city and have them mail you a copy of what they look for.
1) no peeling paint
2) windows must o ... more
0 votes Share Flag Wed Jan 16, 2013 Home Selling in Belleville
Corey Grushin, Real Estate Pro in Morris County, NJ
Corey Grushin answered:
Is it just my listings and sales, or are lenders over astringent on buyers anymore? lol
All the parameters for a loan approval have changed. The big banks can cherry pick their clientele The media has made mortgage companies a scape goat in this mess, thus portraying th ... more
0 votes Share Flag Tue Feb 9, 2010 Home Buying in Swansea
Sue Ferguson, Real Estate Pro in Edwardsville, IL
Sue Ferguson answered:
what has been the change in home values between 2005 - 2010 in the caseyville area 62232 area code?
Mike, I realize it has been awhile since you've posted this question, but if you want to keep up on what's going on in Caseyville, visit my website www.ServingTheMetroEast.com and click ... more
0 votes Share Flag Fri May 24, 2013 Market Conditions in 62232
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
Are there any firstime home buyer grants for single mothers that have no credit in Indiana?
Simple answer:

You need establish credit or repair credit for lender approval.
Requires 2 years employment
3.5% or more down payment
Debt income ratio in balance
Money close ... more
0 votes Share Flag Tue Jan 26, 2010 Home Buying in 62204
Pat and Steve…, Real Estate Pro in Westlake, OH
Pat and Steve Pribisko answered:
After the home inspection revealed possible structural and plumbing issues we decided to terminate the contract. The seller refuses to sign the
From your question, it appears that you bought a For Sale by Owner without using a Buyer's Agent to represent you. I can only give you some initial personal advice, as I do not re ... more
0 votes Share Flag Sat Mar 5, 2011 Home Buying in Belleville
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
I am buying a home in Illinois and was taken back when the title company searched me. Is that what they do? I thought they dealt with the property.
Here in PA and I am almost positive all over, but consult your local realtor or attorney, we run what is called domestic relations. Basically a background check is done to see if you h ... more
0 votes Share Flag Tue Dec 8, 2009 Home Buying in Belleville
Patrick Thies…, Real Estate Pro in Elmhurst, IL
Patrick Thies SFR, CNC answered:
What is this program for active militay callend the Homeowners Assistance Program about and how do i find out how to get help?
Hi Skiz,

Here is a link for more information about the program. It will tell you who is eligible and give you the forms you need to apply.
0 votes Share Flag Fri Oct 9, 2009 Home Selling in 62232
Yolanda Hove…, Real Estate Pro in O'Fallon, IL
Yolanda Hoversten answered:
Why is it that today's realtors are "order takers" and do not seem to have any of the networking skillsets of 25 years ago? where?
Hi, Bob! In this market it's important to use all venues available to the agent in order to sell properties and find homes for the buyers. Technological advances have made market ... more
0 votes Share Flag Sun Jul 18, 2010 Market Conditions in Belleville
Dp2, Other/Just Looking in Virginia
Dp2 answered:
How long does it usually take for a bank to accept/reject an offer on a forclosed home?
Unfortunately, the amount of time that a bank will take to accept/reject an offer varies from case to case. Sometimes an offer will receive a quick response within a couple days, and o ... more
0 votes Share Flag Wed Aug 19, 2009 Foreclosure in Belleville
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