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Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Do I need that extra home insurance ?
I'm guessing it's a homeowner's warranty. Is it about $450?

If so, it's a rip-off. The concept is OK--if major systems in the house fail, you only have to pay a per-visit amount of p ... more
0 votes Share Flag Tue Oct 21, 2014 Home Buying in 79924
Leamanpatrick, Home Buyer in El Paso, TX
Leamanpatrick answered:
Home appraised for less?
*bump ......................
0 votes Share Flag Mon Oct 20, 2014 Home Buying in Sun Valley West
keren garcia, Renter in 79924
keren garcia asked:
andress high school This question was asked from http://www.trulia.com/rental/3076025910-NORTH-SKY-ADD-5917-Cielo-Del-Rey-Pl-B-El-Paso-TX-79924
0 votes Share Flag Mon Oct 13, 2014 Market Conditions in El Paso
Jeff and Kaye…, Real Estate Pro in Colorado Springs, CO
Jeff and Kaye Piggot answered:
I've been self-employed for years, writing off every legal deduction. Now the bank tells me I don't make enough money!
It's true, if you don't claim it as income to the IRS you can't claim it as income to your mortgage lender. The responses below are correct, you may be able to get a portfolio loan to h ... more
0 votes Share Flag Thu Sep 18, 2014 Financing in 79915
Jeff and Kaye…, Real Estate Pro in Colorado Springs, CO
Jeff and Kaye Piggot answered:
Can we buy ahouse from My father inlaw with money from the 401K.?
It's your money, so yes. If you are getting a loan for part of the money and you are taking a loan from your 401K you will need to qualify for that loan as well. Either way you need to ... more
0 votes Share Flag Thu Sep 18, 2014 Home Buying in 79915
Monica, Renter in 79762
Monica asked:
I have a 636 trans credit score, 679 Vantage credit score, and very good employment and payment history on my credit. however I have a tax lien on a wrap around title of a home that I am currently working with IRS to do an offer and compromise. Between me and my wife, we have combined income of 80K but her credit is not as good…
0 votes Share Flag Wed Aug 13, 2014 Home Buying in 79938
Irene Doming…, Real Estate Pro in El Paso, TX
Irene Dominguez answered:
79912 vs 79911: Pros vs Cons...
79912:

There are currently 693 resale and new homes in ZIP code 79912 on Trulia, including 3 open houses, as well as 35 homes in the pre-foreclosure, auction, or bank-owned stages of ... more
0 votes Share Flag Tue Aug 5, 2014 Home Buying in 79912
Maryluke99, Both Buyer and Seller in Miami, FL
Maryluke99 answered:
can someone with bad credit get a home loan if this is the first time homeowner and can give 15%?
FLORIDA FHA MORTGAGE LOANS HAVE MINIMAL DOWN PAYMENT AND CLOSING FEES:
http://www.florida-mortgage-lenders.com/bad-credit.html
Down payment only 3.5% of the purchase price.
Gifts f ... more
0 votes Share Flag Thu Jul 17, 2014 Home Buying in 79936
Anna Cosgrove, Home Buyer in Sunset, El Paso, TX
Anna Cosgrove answered:
How are the Three Palms Apartments? Is this low income housing? Need some help here, moving to the area this weekend.
Good Afternoon Nathan,
It is not low income housing, but a new apt complex in a super busy, high traffic area of El Paso. If you want a condo in a less busy, wonderful side of town you ... more
0 votes Share Flag Mon Jul 7, 2014 Rentals in El Paso
Zoe Spiliotis, Real Estate Pro in El Paso, TX
Zoe Spiliotis answered:
Need help please
There are many great areas to live in El Paso. Have you already moved to El Paso? Or are you moving soon? I would be happy to talk to you about your needs and learn a little more about ... more
0 votes Share Flag Thu Jun 26, 2014 Crime & Safety in El Paso
Zoe Spiliotis, Real Estate Pro in El Paso, TX
Zoe Spiliotis answered:
What neighborhood should I look to move into.?
Hi Giovanny,

I know you are not here yet but, Welcome in advance to El Paso! I have relocated to the El Paso area a few times and there are many great neighborhoods to live in near F ... more
0 votes Share Flag Thu Jun 26, 2014 Rentals in El Paso
Stephanie Le…, Real Estate Pro in Miami Lakes, FL
Stephanie Leon PA 786-574-3928 answered:
How does a reverse mortgage work?
A reverse mortgage is a home loan that provides cash payments based on home equity. Homeowners normally "defer payment of the loan until they die, sell, or move out of the home.

Home ... more
0 votes Share Flag Fri Jun 20, 2014 Home Buying in 79912
Vino Alonzo, Real Estate Pro in San Antonio, TX
Vino Alonzo answered:
If I'm a first time home buyer and have under 600 credit score, but have 20% down, can I still qualify for a home with low interest rates?
Hi Carolina,

I can offer you FHA financing with a 580 credit score or higher. If your score is below 580, I might be able to help you increase it, depending on your credit history.
... more
0 votes Share Flag Thu Jun 19, 2014 Home Buying in 79936
Vino Alonzo, Real Estate Pro in San Antonio, TX
Vino Alonzo answered:
How do you start buying a house using the VA loan ? We don't know where to start Thanks :)
Hi Christon,

I am licensed to offer VA loans here in Texas.

Please call me at your convenience.

I will take a look at your credit, income, and let you know how much you quali ... more
1 vote Share Flag Thu Jun 19, 2014 Home Buying in El Paso
Mark Weiss, Real Estate Pro in 79922
Mark Weiss answered:
Can I Rent a house that has been refinanced? it is an FHA loan
IT depends on how long you have occupied the property since the Refi. Typically your Refi loan requires you live in the house for 2 years. However there are exceptions to every rule , ... more
0 votes Share Flag Wed Jun 11, 2014 Home Buying in 79912
Vino Alonzo, Real Estate Pro in San Antonio, TX
Vino Alonzo answered:
i want to buy a home ,my credit score is 558 but i have a cosigner and he is 750 score in credit ,can we buy?
My company requires at least a 580 credit score for all borrowers, even with a co-signor. Most other lenders require a 620 or above for all borrowers.

I might be able to help you in ... more
0 votes Share Flag Sat May 31, 2014 Home Buying in El Paso
penelopendrsn, Home Buyer in Murphys, CA
penelopendrsn answered:
How long after graduating from RN can I buy a home?
Hi Patty........I am also an RN in California, for over 30 years......have you actually had a hospital tell you they will pay off your student loans, I have never heard of such a thing. ... more
0 votes Share Flag Sat May 24, 2014 Home Buying in El Paso
Dirdra Mann, Both Buyer and Seller in Northeast, IN
Dirdra Mann answered:
im in georgia and im looking to move to el paso tx to the canutillo area..can someone help me find a house that is afordable?
Good Evening we would love to find you the property that you have been wishing for in the area. Let us do the work for you. I have multiple properties that would fit your budget in the ... more
0 votes Share Flag Sat May 17, 2014 Home Buying in El Paso
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