cliffordruggles

I'm a:	Real Estate Professional
Location:	43512 44484
Phone:	4197840077

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Asked Tue Oct 21 2008, 17:02 by Joan Defenba… - Columbus - Home Buying - 2 answers

cliffordruggles answered:

Many of our buyers are working with the local Sheriff to buy homes. - Wed Oct 22 2008, 05:34

I have had my eye on a property for a few months. I only wanted it for the location and the amount of land.

Asked Tue Oct 7 2008, 18:53 by Beachblonde - Ohio - Foreclosure - 4 answers

cliffordruggles answered:

When a home is sold through Sheriff's sale in Ohio you get a Warranty Deed from the Sheriff. In our county the Sheriff guarantees all liens against the property thus giving you clear title. The bank that foreclosed on the property is now the owner and they are responsable for all back taxes, liens etc unless otherwise stated. Anytime I purchase a home that has been foreclosed on, I get title insurance to cover any potential errors in title. - Wed Oct 8 2008, 06:26

my father in law is giving us 4.5 acres which we are building our home on but won't transfer the land into

Asked Tue Sep 23 2008, 07:32 by April - Cleveland - Home Buying - 5 answers

cliffordruggles answered:

Talk to an attorney. You may be able to do a living will trust . The Living Will Trust basically states that while he is alive, he owns the property with you but once he passes on, the land is yours only. This would be recorded at the courthouse. While alive, all parties have a say in what happens to the land including financing. - Tue Sep 23 2008, 07:51

Is it at all possible to buy a house 4 years after bankruptsy.?

Asked Sat Aug 16 2008, 05:31 by B.ledsome - Massillon - Home Buying - 6 answers

cliffordruggles answered:

Yes! FHA and some other government programs allow you to purchase a home 2 years after a bankruptcy. You will need 3% down for FHA. This money can come from a reletive or grant program as well as from the seller. Oct. 1 you will no longer be able to allow the seller to pay the 3%. In most cases, your rate won't be affected by the bankruptcy since it has been 4 years. You are probably looking at anywhere from 6.5 -7.25% fixed. - Mon Aug 18 2008, 06:40

does anyone know where to get a list of accepted appraisers for flagstar bank.my mortgage company had a

Asked Sun Aug 17 2008, 11:47 by Chad - 43611 - Home Buying - 1 answer

cliffordruggles answered:

You mortgage company/loan officer can find it on Flagstar's website. Flagstar, as some other lenders as well, sometimes require you use one of thier approved appraisers. - Mon Aug 18 2008, 06:36

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