44118 : Questions & Answers

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Markmosk, Renter in Cleveland, OH
Markmosk asked:
0 votes Share Flag Thu Jun 18, 2015 For Rent in 44118
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
DTI question for FHA loan
That shouldn't be a problem. FHA loans all the time get approved with DTI's even exceeding 50. Generally your loan officer will run the file through DU - Desktop Underwriter which is an ... more
0 votes Share Flag Mon Jun 1, 2015 Home Buying in 44118
Gerald Feens…, Real Estate Pro in Grand Rapids, MI
Gerald Feenstra answered:
Is there a market for "rent-to-buy"?
Hi Rachel,

Some sellers are willing to entertain land contract offers which are similar to a rent to own situation. However, under land contract you are entering into a legally bindi ... more
0 votes Share Flag Mon Mar 16, 2015 Rent vs Buy in 44118
Team Stafford, Real Estate Pro in Hernando, MS
Team Stafford answered:
How long must you be employed to start looking into a mortgage?
While your job history is important in qualifying for a home loan, other factors also come into play. Lenders want to know that you pay your bills on time and generate enough income to ... more
0 votes Share Flag Fri Feb 28, 2014 Home Buying in 44118
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
Filed bankruptcy June 2013. Make $55k/ yr. employed same hospital past 4 years. What is the probability of being approved on a home loan cs 580?
Unfortunately, slim and none, and slim is on a permanent vacation.

After a bankrupcty, you need to wait a minimum of 2 years AND you need to have re-established good credit in that t ... more
0 votes Share Flag Tue Feb 25, 2014 Home Buying in 44118
Waitersthere…, Home Buyer in Euclid, OH
Waiterstheresa answered:
is there a cleveland ohio website where one can obtain building violations on cleveland houses.....?....?
Probably not, you probably have to call the City of Cleveland, housing.
0 votes Share Flag Thu Feb 20, 2014 Home Buying in 44118
Carol Herzing, Real Estate Pro in Brecksville, OH
Carol Herzing answered:
Husband has been working since November. He Graduated college that November as well. We are thinking of buying a house. Is it to early?
Not at all. I think now is a great time. The interest rates are still pretty low and there are still some good buys on the market. If the interest rate goes up, like they are predict ... more
0 votes Share Flag Tue Feb 18, 2014 Home Buying in 44118
Veethim, Home Seller in Cleveland, OH
Veethim answered:
closing come and gone because both listing agent and my agent are not doing things in a timely manner.
I understand your feeling related work. I think you can communicate & ask about the issue with the agent. Another option tries to choose an agent which has a proper knowledge & familia ... more
0 votes Share Flag Thu Dec 19, 2013 Foreclosure in 44118
Cecilia Sher…, Real Estate Pro in Rocky River, OH
Cecilia Sherrard answered:
If I have the worst credit in the entire UNIVERSE (lol) but can pay cash (looking in the range of $100K - $250K in Cleveland) will I have a problem?
Kimberly is correct, CreditKarma.com is a great website for checking your score and your entire report.

It also shows you charts to let you know there areas you an improve.

Havin ... more
0 votes Share Flag Sat Dec 14, 2013 Home Buying in 44118
Annette  Law…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
When a home owner lowers a the selling price, do you send out an email notifying the price reduction to those people who are registered?
It is unclear to me if you are asking this question as a homeowner second guessing your agent or if you are a home buyer with acute interest in a home you have interest in. I ... more
0 votes Share Flag Tue Jul 30, 2013 Home Selling in 44118
Annette  Law…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
My realtor has stopped communicating with me. How do I get out of the agreement if they just keep ignoring me?
What a disappointment. As you can read from the responses of all my collegues, we all take this a bit pesonally. In the future, this will most likely be YOUR 'defining moment' of ... more
0 votes Share Flag Tue Jul 30, 2013 Home Selling in 44118
Kim Beckwith, Real Estate Pro in Pepper Pike, OH
Kim Beckwith answered:
If I buy a foreclosed house for cash can I turn around and mortgage the property to get the equity out to do the needed repairs?
You should definitely contact a professional before you undertake a flip on foreclosure property. Getting prequalified is your best bet. Any mortgage or finance company will be able to ... more
0 votes Share Flag Tue May 7, 2013 Home Buying in 44118
Alison Hillm…, Other/Just Looking in San Francisco, CA
Alison Hillman answered:
Need an apartment or studio in Cleveland Heights area that accepts two large dogs.
Hi there-

Check out the local listings here: http://www.trulia.com/for_rent/44118_zip/

Ali, Community Manager
0 votes Share Flag Thu Mar 28, 2013 Rentals in 44118
Bob Whitcraft, Home Seller in Bratenahl, OH
Bob Whitcraft answered:
Without using a realtor, how does one know what a good price is to list their home at?
Price is based on comparable units in the same community.
0 votes Share Flag Fri Mar 15, 2013 Home Selling in 44118
Shawn Thomas, Other/Just Looking in New York, NY
Shawn Thomas answered:
HI Are there any lenders that will allow you to use a spouse income but not use their credit?
A friend of mine was able to use her income and not her credit on a loan app with Fifth Third Bank, and they were working with Cleveland Housing Network(non-profit) to buy a home. I don ... more
0 votes Share Flag Wed Aug 22, 2012 Home Buying in 44118
Laura Davids…,  in Cleveland, OH
Laura Davidson answered:
Need ALL THE help I can get "First time buyer"
I would love to get you preapproved, then we can see what needs to be done to improve your credit. There are many options out there to help you purchase a home. Your results are just a ... more
0 votes Share Flag Wed Jun 27, 2012 Home Buying in 44118
Eric Veronica, Other/Just Looking in 43620
Eric Veronica answered:
How long do I have to be working a job before I apply for a mortage?
This answer could differ depending on

- Previous Employment
- Full time vs part time
- Salary vs commission
- First job after college
- Length of time in industry
0 votes Share Flag Sun Jun 10, 2012 Home Buying in 44118
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
refi/purchase fees
It would not be uncommon to see both an origination fee and points if you were getting a rate below par. As previously mentioned, the details of the transaction are important to determi ... more
0 votes Share Flag Fri May 18, 2012 Financing in 44118
Duane Johnst…, Real Estate Pro in Uniontown, OH
Duane Johnston answered:
how much do i have to put down?
The best way is always 20 percent down, but if you are a vet and can get a VA loan, that will help by not having a PMI factored into the payment each month. Other than that, what ever ... more
0 votes Share Flag Mon Apr 2, 2012 Moving in 44118
Robert Erney, Real Estate Pro in Cleveland, OH
Robert Erney answered:
Rental units, how many needed to make incorporation make sense? Adavantages?
You can always incorporate regardless of home many you have! Cash rules everything! And well purchasing the right income property is where allot of people make there way for living comf ... more
0 votes Share Flag Thu Feb 2, 2012 Rentals in 44118
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