As long as you are still in the redemption period, any one with the funds may redeem the home. You will need to redeem directly from the sheriff, by paying the banks purchase amount plus sheriff fees and interest.. You need to contact the sheriff for the payoff amount.... more
most of the homes in the immediate area were built in the 1960's. the oldest homes in St. Paul were built near downtown in the 1850's and the city grew out from there. The area around 181 White Bear avenue was likely farm land until the 40's or 50's. There isn't anyway to know how the land was used before the 1840's.... more
That answer would only be available via a title search. You can either go to the St. Paul Courthouse on Kellogg and search the files, or you can hire title company to do that for you.
Hope this helps.
Huppert Homes USA... more
If you don't have any money for a downpayment, then you don't need to purchase a home. You should contact a loan officer to determine how much money you should save to have a manageable mortgage.... more
If you're talking about refinancing and not buying a new car, it might not be a bad idea.
And, more importantly, this might be the best time for you to start discussions with a lender before you do anything. While we have great acquaintance with the workings of the mortgage process, it would be best for you to talk to a lender to determine how that will impact your financial picture, whether it will help or harm.
Mind you, it doesn't mean you have to make a commitment to this person, BUT, you may discover that you have a rapport with this person. That makes your home buying process SOOO much easier, to know you have a lender you can call with questions, problems, ideas. The same goes for your agent, too!!!
Good luck~... more
Sell now before the neighborhood gets too bad. No really, most neighborhoods are actually seeing prices increase now that the real estate crisis has calmed.
I would recommend contacting an experienced and highly recommended local real estate agent to prepare a Broker's Price Opinion to find out what they think your home would sell for. You maybe pleasantly surprised that it is worth more than you think.... more
I am not an attorney so this is not legal advice, but I've always heard that an unwritten lease is considered month-to-month and only requires 1 month's notice to terminate. Regardless of the home's situation though, you are required to abide by the terms of a lease you have agreed to, so simply stopping payment is not right.
Again, I am not an attorney and this should not be considered legal advice. Please consult an attorney.... more
Have you visited with a qualified loan officer(s) yet, if not you should and see exactly what your budget can handle--then take it from there--home mortgages are just that, for the purchase of real property--did your brother perhaps do an equity loan after he purchased--again if you haven't done so yet, visit a loan officer.... more
Hi, not on buying but on refinance, so you need to have a home , and equity, to consolidate the debt.
Get all you paperwork toghether, such as, last 4 paystubs, last 2 years of tax returns, last 3 bank statement, make an appointment with a Mortgage consultant, get pre approved and see what is in your range.
Typically your credit is not used in a contract for deed situation. The seller may elect to run your credit to determine worthiness but that is not mandatory. I have run into a lot of sellers that will not run credit if you have a decent down payment. Also, if you are the only one buying on the contract for deed technically you would be needing only your credit if seller decides to run it. Like in your previous question though your wife would automatically be added to title.... more
According to my knowledge if you are married and buy a home, it will belong to your spouse too. Both are owners.
Then, if you divorce, your spouse will owned that property too and will have to be on the divorce decree if you had an agreement.
If you want to sell later, you need yoru spouse signature too.
I do not recommend separate married people to buy a home.... more
St. Paul is a great place to live! Here's a nice resource from the City of St. Paul's website to learn more about living here: http://www.stpaul.gov/index.asp?nid=185. Within the Twin Cities and surrounding suburbs, there are a lot of companies and manufacturing firms that may have opportunities for you. That same website also has links to online job databases: http://www.stpaul.gov/index.asp?nid=2480. If you have any questions, or need assistance with your relocation, I'd be happy to talk with you. Good luck! Sincerely, Breanna Vanstrom... more
I want to start by telling you that there will be plenty of agents and loan officers weighing in here to tell you that prices are at their lowest point in years and that interest rates are inredible and this alone justifies the purchase.
Please don't buy a house right now. You can certainly qualify for a loan, but that doesn't make it the right move. There are too many risk factors in your situation that could throw you into a tail spin if you own a house. The time will come, but for now you should rent and save up some money and pay off your debt. When you buy a house you want it to be a blessing, but if you buy now, you will be one layoff away from complete disaster.
Merry Christmas and Good Luck
Cameron Piper... more