Home Buying in 32258 : Questions & Answers

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Evagail, Home Buyer in Dallas, TX
Evagail answered:
Should an FHA appraisal differ greatly from that of a conventional loan? My appraisal came in $20K < asking price, home sold weeks later @ ask
During the loan appraisal process, the appraiser will look at comparable properties that have sold recently, in the same area as the one being purchased. He will also visit the "subject ... more
1 vote Share Flag Thu May 21, 2015 Home Buying in 32258
Greenleaf re…, Home Buyer in Ponte Vedra, FL
Greenleaf resident answered:
Does anyone have opinions on Providence homes and /or Greenland Chase subdivision?
You would be wise to stay away from Providence Homes. The work is shoddy at best and service and follow-up is worse. And definitely stay away from any of the lenders they would refer yo ... more
0 votes Share Flag Sat Jan 24, 2015 Home Buying in 32258
Tira Kindler, Real Estate Pro in 32250
Tira Kindler answered:
The lender asked for another appraisal and it came in below the purchase price. Now buyers want to renegociate. Can we carry back secured second?
Now that the FHA appraisal has been done it is officially attached to the property through FHA as an official value for the next six months. So, splitting the difference seems like a GR ... more
0 votes Share Flag Fri Jan 23, 2015 Home Buying in 32258
Tira Kindler, Real Estate Pro in 32250
Tira Kindler answered:
Can you purchase a home with no money down? I have a history of paying rent for four years and not being late once.
Hi Dakota,

Yes! you can purchase a home with no money down. USDA loans are available in the Jacksonville area and they are 100% financing. There is also a program called the Florida ... more
0 votes Share Flag Fri Jan 23, 2015 Home Buying in 32258
Tira Kindler, Real Estate Pro in 32250
Tira Kindler answered:
Need an agent in Jax area!!
Hi Tina,
I'd be happy to help you find and purchase investment properties in Jacksonville. We are forbes #16 best cities to invest in real estate for 2015! Contact me directly at www.y ... more
0 votes Share Flag Fri Jan 23, 2015 Home Buying in 32258
Patti ODwyer, Real Estate Pro in Jacksonville, FL
Patti ODwyer answered:
Why is Chase -lender of prior owner- still claiming to be escrow with Tax Collector on my property after purchase. Need help. Details below.
I would think the tax collector is doing it in case your circumstances have changed. Chase just probably doesn't have time nor cares about this. I would suggest going back to your cl ... more
0 votes Share Flag Tue Dec 17, 2013 Home Buying in 32258
Steve (888)…, Real Estate Pro in 33496
Steve (888) 662-4404 answered:
Our FHA appraisal came in $25k lower than the agreed price. What are our options and how likely will we close?
-
there are options that nobody has told you about.

Contact me and I'll tell you the rest of your options.

===
0 votes Share Flag Sun Mar 17, 2013 Home Buying in 32258
Kawain Payne,…, Real Estate Pro in Long Beach, CA
Kawain Payne, Realtor, Notary answered:
How to buy a house pre-foreclosure (not a short sale)?
Hello Vrsnak2002,


If the home is in pre-foreclosure you can still deal directly with the current of record.

Is the home currently listed for sale? If so, have your buyer's agen ... more
0 votes Share Flag Wed Jan 23, 2013 Home Buying in 32258
Genevieve Ra…, Real Estate Pro in Punta Gorda, FL
Genevieve Ramachandran answered:
in a short sale, if the seller has accepted the offer and you are waiting on acceptance from the lender, can you withdraw your offer
Meyerish,
Have you talked to your Realtor about this? Your agent would be able to give you the best information. Did you sign a short Sale Addendum? Review your paperwork.
Good L ... more
0 votes Share Flag Tue Sep 6, 2011 Home Buying in 32258
Donald Price, Real Estate Pro in Orange Park, FL
Donald Price answered:
FHA Appreaised our house that we bought for LESS than what we offered.How common is it that the appraiser will reconsider if more info is given??
I am a real estate appraiser and a REMAX Realtor and you can ask for a reconsideration of value. Your agent needs to send the lender the comps that they think are better comps and justi ... more
1 vote Share Flag Fri May 27, 2011 Home Buying in 32258
Irit Jacobson, Real Estate Pro in Illinois
Irit Jacobson answered:
First time home buyer! Questions...
Hi Sara,

Your 1st step should be to contact a good mortgage lender to get his/her advice and letter of pre/approval . Once you get a letter, connect with an experienced broker so you ... more
0 votes Share Flag Sat May 14, 2011 Home Buying in 32258
Kmbrennan, Real Estate Pro in Florida
Kmbrennan answered:
8 days after accepting and signing an offer from a buyer, we were faxed a form to sign stating that if the FHA appraisal does not come back at the
Walt,
The amendatory clause is legit and the reason you recieved it a week later is that it, and the real estate certificate, must have all signatures on one page. I usually wait until ... more
0 votes Share Flag Thu Apr 22, 2010 Home Buying in 32258
Leslie Jones, Real Estate Pro in Jacksonville, FL
Leslie Jones answered:
FHA appraisal lower than home price. Can I make difference and still get FHA loan.?
I would suggest that you talk to your lender. They know all the programs. i work with a very educated lender if you would like the referral let me know.
0 votes Share Flag Mon Jun 22, 2009 Home Buying in 32258
Lindsey M. B…, Real Estate Pro in Ohio
Lindsey M. Bishop answered:
What if the FHA appraisal comes in lower than the price of the home. Do I have the option of making up the?
Kathy,

The only thing I am curious to know is why you would want to pay more for a property than it is worth, especially in this buyers market. There are plently of homes out there.
... more
0 votes Share Flag Tue Jun 16, 2009 Home Buying in 32258
Christa LaFa…, Real Estate Pro in Jacksonville, FL
Christa LaFarlette, Realtor answered:
What if the home purchase price is lower than approved FHA loan?
Good news for you!
For the FHA loan your appraisal has to be the at or higher than the purchase price. If your purchase price on contract is lower than the approved FHA loan (or amoun ... more
0 votes Share Flag Wed Jun 3, 2009 Home Buying in 32258
Pat, Home Seller in Jax
Pat answered:
can you withdraw an offer if it has not yet been accepted?
Thanks to everyone, I do have a buyers agent, who seems to know what is going on, but especially in this market, I figure it never hurts to have a second opinion :)
0 votes Share Flag Wed Mar 25, 2009 Home Buying in 32258
Pam Graham, Real Estate Pro in Jacksonville, FL
Pam Graham answered:
Short sales: better to ask close to asking plus closing cots or just make straight offer?
Good Luck Pat! Maybe it won't be as long as you think. :) Let us know how it turns out.
0 votes Share Flag Mon Mar 23, 2009 Home Buying in 32258
Louis Schwar…, Real Estate Pro in Jacksonville, FL
Louis Schwartz answered:
FHA appraisal came in lower than the sales price...?
That's good news for the buyer, bad news for the seller. I don't recommend paying over appraised value. Why go into a situation in a negative equity position immediately. Chances are ... more
0 votes Share Flag Fri Aug 1, 2008 Home Buying in 32258
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