John & Linda Cramer

Well that's a good question, now we are not attorneys, however, just some info, depending on your bankruptcy chapter 7 or 13 will determine a lot, I do recomend you seek legal advise and if you cannot afford a attorney there is Legal Aid out there. When you say you are in Bankruptcy have you just retained a attorney? or are you well into the process? The reason I ask is that until it is recorded, you still have a chance. Good Luck - Wed Mar 12 2008, 08:40

From the below answers I have previewed, you are receiving good advise. I have a mortgage banker who I send quite a bit of clients with situations such as yours, with a few "Blemishes" Normally these can be fix'd / repaired with the Effort coming from you. It's best to consult with a good mortgage banker who can give you a good idea what is needed to attend to your situation, and in the meantime, as mentioned below, consider doing a Lease Option to buy while going through this. I must foreward you that I advise my clients (sellers) when considering a Lease Option that they should get a down payment (non - refundable) because in cases like Lease Purchases you need to be committed to the purchase and the best way for that is to be invested in the property. But you should be motivated if going this route. Also you purchase the home under a Lease Purchase at full listing price. So start with the basics, get your free credit reports and start doing your homework, also when you get a chance see Dave Ramsey's website
he has lots of experience assisting people with Credit or Blemishes as I like to call them. You can do it!
All the best to your future. John and Linda Cramer 251-599-5799 - Tue Mar 11 2008, 14:54

Agreed, from our colleagues below, currently if you are a seller, with an appraised at 400k and placing on the market for 550k, it would be best to re-examine the possiblities. Having a professional Full Time Real Estate Agent visit with you and look at the true options, and get to a Marketable Price for the home. Then make sure that Agent has a marketing plan that can provide you results. Call John & Linda Cramer @ 251-599-5799 if we can be of service. Best of Luck in your Endeavors. - Sat Mar 8 2008, 08:05

Chris, Very glad to hear your consideration for the Eastern Shore, Linda and I (John) have been enjoying the life in Baldwin County aka Eastern Shores. It is a very enjoyable place to be. We live in the Jubilee City of Daphne, Al. As Full Time Real Estate Agents we enjoy meeting people from all over, and showing properties. We also service Fairhope, Spanish Fort and the out lining areas of Baldwin County. Please take time to visit our websitehttp:// www.cramerteam.com where we have our featured listings with Virtual Tours, or Call us at 251-599-5799 if we can be of further assistance or call our 800-452-5667 press zero (0) and you'll get us directly. We are always honored to be of service. - Sat Mar 8 2008, 07:55

Wow, indeed, we feel your pain, and understand how frustrating that can be for a buyer no less, when most agents are attempting to sell their clients home. John and Linda Cramer do it different, how? you ask? well first once we get a client, it is a priority to get a Circle Pix aka 360 virtual tour on line, in the MLS and on our website, this is crutial to get our customers exposure. We do not hold back on our expenses, we feel that our clients are worth the investment. Open Houses? Old School? Too good for some Agents?
Not us, we have open houses often, usually between the hours of 2-4 on Sunday's and we will stay later should a customer require more attention. We service Daphne, Fairhope, Spanish Fort and we also service in Mobile County. It is critical to have a Full Time Real Estate Agent who will represent you correctly, find homes, schedule appointments and take the time with you. If you or anyone is more interested in our services, please call us 251-599-5799 or use our toll free number 1-800452-5667 press
(0) ZERO and talk directly to us, we truly answer our calls. Also take a moment to visit our website with Featured Listings and Virtual Tours on Each Home. At your Service, John and Linda Cramer - Sat Mar 8 2008, 07:41