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- 16 Answers
- 10 First Answers
- 2 Useful Answers
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About Me
My Client-First Philosophy
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Birmingham real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
So when you decide that you'd like to buy or sell a home in the Birmingham, Alabaster, Chelsea, Hoover, Pelham areas, please contact me.
There are many qualities and skills that go into being an excellent real estate professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how I work.
That said, in my experience as a Birmingham real estate professional, I've also found that providing the very best service is essentially about putting my clients first. This means keeping myself accessible, being a good listener as well as a good communicator, and responding quickly to your needs.
This "client first" philosophy has always been my approach and it requires me to continually improve my skills and ways of doing business. In addition, I've found that the latest technologies are enabling me to do everything I've always done, only much more quickly and efficiently. They've also helped me to extend the range of services I provide to my clients.
So when you decide that you'd like to buy or sell a home in the Birmingham, Alabaster, Chelsea, Hoover, Pelham areas, please contact me.
My Q&A
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Chad Edwards's Answers (16)
Chad Edwards answered:
You want to check with a mortgage broker and have them see if you could get a manual underwrite done. The low score will make it a challenge. Another option many people in your situation ( cash for down payment and cash flow ) are considering is lease purchase. More and more sellers are willing to do a lease purchase where the buyer agrees to lease the home for 6 - 12 months while their score or credit history is restored to the point they can qualify for a mortgage. This is a win for the seller in that they have their home under contract and can move on with life without the burden of the monthly payment on a home they no longer live in. The buyer wins by getting into a home they may not otherwise be able to get approved for.
Chad Edwards answered:
Bob, you may not be aware that Alabama is a caveat emptor state so seller disclosure statements are not frequently provided. Seller's can lose their protection under caveat emptor by providing a disclosure.
If there were problems in the home inspection you should have submitted a request for repairs in writing and received a signed copy from the seller agreeing to the repairs. At the walk through you have to satisfy yourself that the problems have been rectified. Most people want invoices from licensed contractors for repairs made as a result of an inspection. At the walk through, if you were aware of problems that still existed and still closed, you probably lost your recourse.
If there were problems in the home inspection you should have submitted a request for repairs in writing and received a signed copy from the seller agreeing to the repairs. At the walk through you have to satisfy yourself that the problems have been rectified. Most people want invoices from licensed contractors for repairs made as a result of an inspection. At the walk through, if you were aware of problems that still existed and still closed, you probably lost your recourse.
So did these unlevel areas begin to appear after you moved in? If so, it sounds like a problem that would not have been detected in a normal home inspection. Is your house on a slab or crawl space? If you are on a crawl space you may be able to go under the house and make a visual inspection of the problem areas. If you are on a slab, I would suggest calling a foundation company to come out and determine the cause of the problem before it gets worse.
Chad Edwards answered:
Jeff, the growth prospects in Mobile should be good as the area is getting a new Thyssen Krupp plant in the area. Major employer and infrastructure investment.
Chad Edwards answered:
I am a real estate agent in the Birmingham, AL area. Unfortunately, I do not keep up with the New York area. I would recommend calling a mortgage person in that area to get local guidance. It is my understanding the changes were in the northeast and west coast markets and some other areas around the country. You will have to see if you area qualifies for the new limits.
Are you looking to buy in the Pelham area as stated in the original post or New York?
Are you looking to buy in the Pelham area as stated in the original post or New York?
The increase did not roll out nationwide. The threshold for FHA is $271,050. Anything above that amount would have to go conventional which can go to $417,000. Above this threshold would be jumbo mortgage which would run in the 7% range for rate according to local mortgage reps. There are alternatives and I can put you in touch with a local mortgage person that can run scenarios for you and talk to you about potential blended rates.
Chad Edwards answered:
Wow, J.D., thanks for clearing your throat before providing such useless input to the conversation and questioning my integrity and honesty. Maybe when I become an "Old Pro" like yourself, I can forget my manners while trying to increase my number of answers up Trulia. Just think, I closed nearly $4 million in volume last year without knowing what CS stood for. I should easily do 10 million now that I know what CS means.
My office number is 205-822-2272. Feel free to call my broker, Bonnie Levenson, and ask her opinion of me and verify my sales volume last year.
My office number is 205-822-2272. Feel free to call my broker, Bonnie Levenson, and ask her opinion of me and verify my sales volume last year.
Well, I work the Helena area. I am in my 2nd year in the business, so don't know if I meet your TOP producer status, but did nearly 4 million in production my first year. I am with Keller Williams Realty in the Hoover office. I serve on the Agent Leadership Council and as Technology Chairman for our office. My website is linked below.
I don't know that you will be able to access that information unless you are a member of the local MLS or have someone look it up for you. Are you looking to make a referral and want someone familiar with Helena?
Please clarify, CS records?
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