I'd be happy to see if your score qualifies you for an FHA loan yet. Sometimes tradelines don't report new activity right away, but we can do a rapid rescore to see where you are at presently. I can also counsel you on anything else that needs to be done to get approved.
Senior Mortgage Consultant
877-315-0683 X 7047
"National Lender, No Money Down Programs Still Available"... more
There is hope for you as a future financially responsible individual. It just may take a while...
Important to note is that fact that rebuilding your credit score is directly tied to paying your bill in a timely manner. Additionally, paying off all of your credit cards could be counter productive. Consider keepin one open card open hat you use responsibly and make payments on as scheduled.
It is truly refreshing to read confirmation there are folks using the programs such as IRB. The other choice would not work as easily for a Chiropractor.
You will find local lenders will be more receptive to securing the business of a medical professional. Yes, they will take a risk at the front end for the predictable benefit the future holds. You may find the best path to take is to identify local lenders who have a history of investing in their community through small business loans and home loans. Those lenders who are investing in their community are "A" and "B" graded lenders. The big banks will all be "F" graded. They rob their communities through fees and penalties, not invest in them.
Simply enter your city or zip and identify the lender closest to you. Give them a call.
Go to: www.BankingGrades.com
Best of success to you,
Remax Realtec Group
Palm Harbor, FL
What type of property are you interested in. Commercial, Investment by as flips, or multi units? Let me know I can put together some info for you. Unless you already have an idea in which case happy to do cma's and pick through the mls to fit your needs.
Keller Willaims Realty
4055 N. Bailey Dr.
Amherst NY, 14226
Email: firstname.lastname@example.org... more
No one can predict the future so predicting whether a home/area will hold it value ultimately is little more than a guess. You as the buyer need to look around and decide for yourself what your opinion of the area is. Is it lively, vibrant and with a few economic engines that offer opportunity to those moving to the area? Are you aware of community development plans. (Try going to the Town Planners office and speaking with some of the people working there). Are there good schools, and higher educational opportunities? A burgeoning food or arts scene. These are all positive indicators.
As to crime some cities offer online programs that collate information from the local Police and Sheriff departments (Crimemapper is one such program) anc make these available to the public on the City/Town website. If something like this isn't available to you in your area, simply go into to the local police office and ask. How's the unemployment rate? If it's high then this may indicate both a likelihood of higher crime as well as future problems with home values.
There's no simple way to answer your questions, it takes some diligence on your part to make a good informed decision.... more
Hello Amanda. The first steps in buying a home are;
1. Making the decision to do so.
2. Developing a team (i.e. Real Estate Agent, Mortgage Advisor/Loan Officer, Attorney)
3. Get Pre-Approved through your Mortgage Advisor/Loan Officer
4. Determine your Budget & All the Financials
5. Relay your needs and wants to your Real Estate Agent
6. Begin House Hunting
7. Find the Home that you fall in love with
8. Make an Offer & Negotiate the Offer
9. Home Inspections
10. Contract Signings
These are the beginning steps of buying a home. If you would like a complete list, please email me at DeVonte.Williamson@cbmoves.com and I would be happy to provide you with a complimentary guide from the beginning to the exchanging of keys.
I hope this answered your question! If you have any further questions, please feel free to contact me by the ways below.
Wishing you all the best,
De Vonte Williamson
Licensed Real Estate Salesperson
Proudly Serving Long Island
Coldwell Banker Residential
"I Stand Behind Getting You Results!... more
I see a lot in the 20-40 range in that area. What are you looking to get out of your property and how much is owed? I would suggest fixing the violations quickly; when code violations turn into fines they can become very costly. Feel free to contact me if you need any help. Rob
Good afternoon kandyo1,
While you can access a free credit report once a year at annualcreditreport.com (the ONLY website you should use for consumer access to credit reports), a Mortgage Banker will still need to run her own credit report for prequalification purposes. So to specifically answer your question, pulling your credit report shouldn't hurt you, but it won't help, either, except for the point of reference that you can review your credit history on your own in case there are errors on your report(s).
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker – NYS Dept. of Financial Services
Buffalo is an awesome place for investors. As someone who has done investments in the past and loves Real Estate please take the oppurtunity to dive right in. I have worked with cash buyers and motivated sellers who help fill the niche of maybe what you're looking for. Feel Free to call.
Realty Edge Inc
155 Summer St
Buffalo, NY 14222... more
As an Investor who has purchased homes in Buffalo, there are plenty of great oppurtunites to have Rental Properties or Rehabs. Alot of local investors will do owner financing, plus there are public auctions for properties. The key is dealing with the right team to find the good deals. ie Contractors, Laywers and Salespersons. Feel free to contact me to advise what areas you're interested in.
Realty Edge Inc
155 Summer St
Buffalo, NY 14222... more