Home Buying in 86442 : Questions & Answers

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Lisa Markham, Real Estate Pro in Tucson, AZ
Lisa Markham answered:
MY HUSBAND IS GETTING AN ANUITY SOON, ARE WE ABLE TO USE THAT TO GET A MORTGAGE SINCE WE HAD A FORECLOSURE 2 YEARS AGO AND ARE UNABLE TO GET A LOAN?
Hi Judy,

There certainly are waiting periods for being able to purchase a home after a foreclosure; FannieMae and FreddieMac are typically 7 years but it can be as little as 3 years ... more
0 votes Share Flag Fri Apr 11, 2014 Home Buying in 86442
Linda Cavana…, Real Estate Pro in Bullhead City, AZ
Linda Cavanaugh answered:
I am 64 yrs and about to take a disability retirement. I have never owned a home and would like to use my annuity fund as a down payment on a house.
Hello Jimmy,

Others have said that you need to speak to a tax accountant about your particular situation. There are wonderful opportunities available for home ownership at this time ... more
0 votes Share Flag Mon Aug 26, 2013 Home Buying in 86442
Hal Timinsky, Real Estate Pro in Tucson, AZ
Hal Timinsky answered:
We cancelled escrow 8 months ago. The seller refuses to sign the agreement.
Marisela,
I would have your Realtor contact the Title company to see why they have not released your earnest money. If your financing was FHA or VA your have a greater chance of gettin ... more
0 votes Share Flag Wed Aug 7, 2013 Home Buying in 86442
Gene, Both Buyer and Seller in Bullhead City, AZ
Gene answered:
We have never bought a house before. Looking to relocate to Bullhead city AZ in Sept 2013. Need all the advice we can get for purchasing a 1st home
I am a retired transplant to the Bullhead City area and have lived here for 5 years. But I knew years ago that I would eventually move here so I bought my first property in BHC in 198 ... more
0 votes Share Flag Mon Apr 15, 2013 Home Buying in 86442
Russ Ravary, Real Estate Pro in Commerce Township, MI
Russ Ravary answered:
After 10 long months of being in escrow for a short sale and having been approved for 110k, we signed paperwork to close escrow twice for 110k
Who paid for the appraisal? If you did indymac had no right to give the appraisal without your permission
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 86442
Candice Galv…, Real Estate Pro in Bullhead City, AZ
Candice Galvane answered:
can escrow release the buyer's escrow deposit funds without seller's authorization? If escrow already release the funds then what should
The answer lies in the purchase agreement and what has transpired up to the time the funds were released. Your agent and escrow officer should be able to explain it to you using the te ... more
0 votes Share Flag Fri Nov 30, 2012 Home Buying in 86442
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
can escrow release the buyer's escrow deposit funds without seller's authorization?
You will find that a Title Company requires 2 signatures to do anything.
0 votes Share Flag Fri Nov 30, 2012 Home Buying in 86442
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
Can I use an annuity for a down payment on a home?
Hi Greg,

In my opinion, you should give Randy Hooker the "Best Answer" award along with a "thumbs up" for his reply to you. He is dead-on with his rock solid adv ... more
1 vote Share Flag Wed Jun 2, 2010 Home Buying in 86442
Brad Bergami…, Real Estate Pro in Prescott, AZ
Brad Bergamini answered:
I signed i contract on a house in MD, the seller decided to put the house back to the market b'cse the loan processing was taking to long, we had
Ed,
You should ask for a pony too.
So you have an accepted contract with the seller and you can't perform because your loan isn't finished, right?
If you gave up earnest m ... more
1 vote Share Flag Tue May 4, 2010 Home Buying in 86442
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
I recently signed paperwork for close of escrow on 3/22/10 which I had known was just a day after the actual closure date (3/21 on a Sunday).
Hey Wendy,

Glad to see you actually signed your closing doc's. I truly hope you are paying cash for this purchase so you aren't concerned about a rate lock expiring.

I ... more
2 votes Share Flag Mon Apr 12, 2010 Home Buying in 86442
Emelia Sanch…, Real Estate Pro in Ontario, CA
Emelia Sanchez answered:
I had recently been approved by indymac on a short sale for a home that took 6 long months. After having done a 2nd appraisal on the home, we
Wendy,

I have received extensions from IndyMac My Escrow Officer is a key component with all my short sale transactions as he needs to get the final HUD approved. (California) I do ... more
1 vote Share Flag Sat Mar 27, 2010 Home Buying in 86442
Candice Galv…, Real Estate Pro in Bullhead City, AZ
Candice Galvane answered:
Here's my situation. I recently had an offer accepted and a P&S was signed. Under the contract we had until March 17th to come up with our
If you are using a standard contract for this area, you should have a financing contingency. If financing was denied and you did every thing you could to obtain your financing, you get ... more
0 votes Share Flag Sat Mar 27, 2010 Home Buying in 86442
Voices Member,  in
Voices Member answered:
How can I legally get rid of my agent?
YELL AT THEM CONSTANTLY UNTIL THEY RIP UP THE BUYERS AGREEMENT!!!!!!!!
1 vote Share Flag Fri Mar 12, 2010 Home Buying in 86442
Voices Member,  in
Voices Member answered:
I just recently cancelled escrow, the seller will not release my deposit. Under what terms are they allowed
Your contract gives you all the terms and conditions, deadlines, for inspections, loan commitments, etc.

have you read your contract? also the escrow officer can and will tell you i ... more
0 votes Share Flag Fri Mar 12, 2010 Home Buying in 86442
Brad Bergami…, Real Estate Pro in Prescott, AZ
Brad Bergamini answered:
On a FHA loan can you ever remove escrow anytime after the loan has been funded....if so when: how long after
Nope.. Escrow payment is a must.. with such a low down FHA wants to make sure the property is always insured and the taxes are paid.
0 votes Share Flag Wed Mar 10, 2010 Home Buying in 86442
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