Home Buying in Dayton : Questions & Answers

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Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
what is the best way to find rent to own properties?
Boss Lady,
I believe I answered this for you already, but just in case. Don't. They are not a good option for buyers. Most end up worse off than if they hadn't done it. Solve the iss ... more
0 votes Share Flag Fri Jan 2, 2015 Home Buying in 45426
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
what is the best way to locate rent to own properties?
Rent to own is really not a good idea, therefore consider fixing whatever is preventing you from purchasing outright. Rent to own can be risky and one could stand to lose a bit of money ... more
1 vote Share Flag Fri Jan 2, 2015 Home Buying in Dayton
Derek Tipton, Real Estate Pro in Huber Heights, OH
Derek Tipton answered:
Why have number of sales in Dayton, OH been tanking?
It was a slow summer, but prices are generally up 5-7% over the past year.

Fall has been strong, here are the stats...

http://www.dabr.com/monthly-home-sales-releases-news-media-m ... more
0 votes Share Flag Mon Dec 8, 2014 Home Buying in Dayton
Judi Monday,…, Real Estate Pro in Green Valley, AZ
Judi Monday, CRS answered:
does it adversely affect a persons with an excellent credit score to add a person with a fair score as an authorized signer on a credit card ?
Doing this is a very risky situation for your credit score. As you will be responsible for whatever that person does with the credit card and if they aren't able to make the payments o ... more
0 votes Share Flag Mon Nov 24, 2014 Home Buying in Dayton
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
can a vet use other people on their loan, and not have their name on a deed?
It's possible if the lender's underwriter will allow it.
0 votes Share Flag Sun Nov 23, 2014 Home Buying in Dayton
Rsamen, Renter in Historic Inner East,...
Rsamen answered:
My husband and i are looking into buying a home what are some good areas for houses under 60000?
Hello,

Depending on what you are looking for there are very nice older homes in a few historic districts in Dayton for reasonable prices around $60,000. St Anne's Hill and the Huffm ... more
0 votes Share Flag Tue Oct 7, 2014 Home Buying in Dayton
Zachary Shade, Real Estate Pro in 45419
Zachary Shade answered:
We are seniors and don't want to take a chance that we might sell our house and not have a place to go, so what should our approach be?
Hey Jayla,

In the contract you will want to have your agent write in that your sale is contingent upon you finding a home of your own to purchase, and then you can do a dual closing. ... more
0 votes Share Flag Thu Aug 7, 2014 Home Buying in Dayton
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
Flood Insurance 2014
who told you the rates were going down????

FEMA has been making a number of changes since last winter.
Currently, you should expect to pay the same premium the seller is paying. Tha ... more
0 votes Share Flag Wed Jul 30, 2014 Home Buying in Dayton
Simon Campbe…, Real Estate Pro in Miami Beach, FL
Simon Campbell answered:
I was wondering if it is possible to get a mortage as a first time home buyer with a score of 572?
To qualify for a traditional loan, you are going to need a minimum credit score in the 620 - 640 range though most require 680. USDA loans with a credit score of less than 580 are denie ... more
0 votes Share Flag Wed Jul 9, 2014 Home Buying in Dayton
Micah Riley-…, Real Estate Pro in 44224
Micah Riley-Local Expert answered:
What is the crime rate like in this subdivision?
By law a Realtor is not allowed to "steer" you in and out of certain areas. I would suggest asking local police dept and doing research online. You can also ask a Realtor about home v ... more
0 votes Share Flag Thu Jun 5, 2014 Home Buying in Princeton Heights
Micah Riley-…, Real Estate Pro in 44224
Micah Riley-Local Expert answered:
Ready to bye from relative
No such thing. If you want zero money down you will have to either go USDA loan or be a veteran and get a VA loan. Lowest FHA loan is 3.5% down.
0 votes Share Flag Thu Jun 5, 2014 Home Buying in 45426
Andrew Byrd, Real Estate Pro in Coeur D Alene, ID
Andrew Byrd answered:
I have a credit score of between 580-600 and I have been in bankruptcy for almost two years can I get a home loan
Marsha-

As said below by Kim, there is more information that needs to be had. The majority of mortgage lenders don't allow for people to recieve a loan with a credit score under 600. ... more
0 votes Share Flag Thu Mar 20, 2014 Home Buying in 45415
Steverosesta…, Real Estate Pro in Dayton, OH
Steverosestalter answered:
Are there rent to own homes in Dayton Ohio?
6060 Romaine Dr 45415 has what you are looking for for under $85K take a look.
0 votes Share Flag Fri Feb 28, 2014 Home Buying in Dayton
Craig Mesure, Real Estate Pro in Centerville, OH
Craig Mesure answered:
Building second home while trying to sell first
You have a lot of options , which is good. You need to discuss your financial options with a lender that specializes in new construction. There are loan products that will combine a pre ... more
0 votes Share Flag Sat Jan 25, 2014 Home Buying in Dayton
Matt Helpling, Real Estate Pro in Ohio
Matt Helpling answered:
need a mortgage for a house 32,000. credit,me: 630 co-owner: 639. current on present mortgage. is it possible?
Boss Lady,

I am a lender in the Dayton area. As stated below the low loan amounts can be a difficult task to get approved. The repair programs such as the 203K could be a viable op ... more
0 votes Share Flag Thu Dec 12, 2013 Home Buying in Dayton
James Gordon…, Real Estate Pro in Cincinnati, OH
James Gordon ABR PBD SFR SRS answered:
Rent to own a foreclosed home or any other home.
In my opinion find a place to rent for the next year. Keep the rental as low as you can go. Go on a beans and rice diet. Save the money to buy to your own place.
This is not the time t ... more
0 votes Share Flag Mon Dec 2, 2013 Home Buying in Dayton
Mark Ryan, Real Estate Pro in Dayton, OH
Mark Ryan answered:
New Build-Do I need a realtor?
Wow, this question is old... Rockheadsgirl... what did you end up doing?
0 votes Share Flag Tue Nov 26, 2013 Home Buying in 45449
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Does anyone know of any VA No Qual loans on the market if they are still available?
There has never been a "no-qual" loan for VA. What you may be thinking of is an interest rate reduction loan (IRRL). This is a refinance of an existing VA mortgage that has reduced do ... more
0 votes Share Flag Tue Oct 15, 2013 Home Buying in Dayton
Maria Cipoll…, Real Estate Pro in Coral Springs, FL
Maria Cipollone answered:
I have a credit score of 746 and income in the 150 k range. I have an lien from the IRS that is signed and been paid each month. Can I get a mortage?
Hi Thomas,

No matter how good your credit report is, any mortgage lender wants to know how much money you make to verify that you have the income to repay the mortgage.

Lenders ... more
0 votes Share Flag Tue Oct 15, 2013 Home Buying in Dayton
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