Lucia Ober

I'm a:	Real Estate Professional
Company:	Emerson Wagner Realty Co., Inc.
Web sites:	Click Here to Contact Lucia

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3 First Answers
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About Me

Lucia Ober represents buyers all over southwest and central Ohio. Lucia has been involved in over $7,000,000 worth of real estate transactions and has gained a wealth of experience in negotiating on behalf of buyers in all price ranges. Lucia has an uncanny ability to listen to and understand the people that she works for. She uses that sensitivity to find the home that is exactly right for each buyer.

Lucia can find what you are looking for and get you into the home you've been dreaming of. Feel free to contact her with questions.

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Lucia Ober's Answers (17)

I found a house without an agent. I stated to the listing agent that I represent myself.

Asked Mon Apr 7 2008, 22:34 by Michael A - 45208 - Home Buying - 38 answers

Lucia Ober answered:

...I wonder what Tman is selling...? - Fri Apr 11 2008, 17:16

Tman's idea that no one gets 7% commision anymore is completely off base. 7% is a fair price to pay for someone who can get your home sold in this buyer's market, when other means seem to fail.

Addtionally, there are some of us buyer's agents who work extremely hard to find homes that are far under market value who also get much more than 3%...

I guess every market is different. - Thu Apr 10 2008, 09:29

Someone please correct me if I am wrong, but ...I would think that if the buyer was representing himslef, there was no dual agency situation. The Realtor represented the seller only, and the seller, who has the final say on commision, set the commision at 5%. In addition, if the buyer was representing himself, why didn't he write his own contract and present it to the listing agent? - Thu Apr 10 2008, 08:23

MY 22 YR OLD SON AND HIS 20 YR GIRLFRIEND ARE BUYING A HOME, THE HOUSE LISTED AT 112,900. JUST DROPPED FROM 11

Asked Thu Apr 10 2008, 05:26 by Tracy Athon - 45247 - Home Buying - 8 answers

Lucia Ober answered:

Tracy,
I agree with the other answers. This is something that does happen sometimes. Your son is getting 3% of that total purchase price as a down payment on the home and the seller is also paying his closing costs. In many cases, this is the only way for the buyer to get in with no money down and the seller to get enough money to pay off the mortgage at closing. - Thu Apr 10 2008, 09:41

New Homes, Where can I find some great deals?!?!

Asked Thu Apr 3 2008, 11:48 by Gary - Dayton - Home Buying - 3 answers

Lucia Ober answered:

Gary, I know where they are. Send me an email at realestatelucia@yahoo.com and I'll tell you how it works. These new homes at bargain prices are usually not on the MLS. In the past 6 months, I have sold many brand new homes at huge discounts and I've developed a knack for scouting them out. I'd be glad to help you get into a great home at a great discount too. - Thu Apr 10 2008, 08:32

I know asking for the seller to pay closing costs as part of your offer is normal in some states. Is this?

Asked Tue Mar 11 2008, 11:54 by Dm - 11756 - Home Buying - 7 answers

Lucia Ober answered:

Hi Dan, asking the seller to pay the closing cost is very coomon here in Ohio. - Tue Mar 11 2008, 11:57

Are today's No-Money-Down offers scams?

Asked Wed Mar 5 2008, 08:18 by Susan Donahue - 02343 - Financing - 7 answers

Lucia Ober answered:

I hate to argue, but I must point out that you don't have to have good credit to purchase a home with no money down.
Susan, you may want to ask your lender to check into an FHA loan for you. As long as your past 12 months credit history is clean, you haven't had a foreclosure in two years, and your debt to income ratio is okay, you could very likely be approved.
There is a requirement for 3% down payment, but many Realtors can negotiate the contract so that the seller pays that down payment on behalf of the buyer. In todays market, many sellers are willing to do that in order to get the home sold.
Good luck in Holbrook! - Sun Mar 9 2008, 07:43

100% financing is completely real. Almost all of my clients go this route. If you are renting out the home you own, that rental income could possibly reduce your debt/income ratio enough to qualify. It couldn't hurt to sit down with a reputable lender and see what he/she can do for you. - Wed Mar 5 2008, 10:36

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