Home Buying in Houston : Questions & Answers

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jkeshari, Home Buyer in Apex, NC
jkeshari answered:
Thoughts on KB homes? I've read bad reviews, mostly from other states, but fell in love with a model home....Advice?
All I can say about them is begin with horrible sales guy, poor quality check, shoddy materials and worst customer service. Bought a new construction in Raleigh/Durham, NC region. They ... more
0 votes Share Flag Yesterday at 1:32pm Home Buying in Houston
Eric Laird, Real Estate Pro in 77095
Eric Laird answered:
I am considering buying a single family home in Oak Forest. The house is priced at $850K. Will the value of the home increase in 10 years?
If current trends continue, yes... However the current market is subject to follow corrections in the financial field and associated infrastructure. Knowing that the health of our eco ... more
0 votes Share Flag Sun Jul 5, 2015 Investment Properties in Oak forest/ Garden Oaks
Eric Laird, Real Estate Pro in 77095
Eric Laird answered:
I'm looking through sold properties in Houston,
Absolutely, Realtors commonly assist out of state or out of country clients throughout the home-buying process. Everything from previewing the property for your, to coordinating inspec ... more
0 votes Share Flag Sun Jul 5, 2015 Investment Properties in Houston
Beth Michaels, Home Buyer in Tampa, FL
Beth Michaels answered:
Looking for lender: credit scores 570 & 780. Combined income is about 100K/yr. Can we be financed?
FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:

Purchase a Florida home 12 months after a chapter 13 Bankruptcy
Purchase a Florida 24 months after a chapter 7 Bankrupt ... more
0 votes Share Flag Sat Jul 4, 2015 Home Buying in Houston
Joeblow12932…, Home Buyer in Houston, TX
Joeblow1293232 answered:
Seeking unbiased opinions about LGI. Are they legit? Can one really get 100% financing in this economy?
LOL she asks a question and noone mentions LGI. all realtors and brokers soliciting business leads.
0 votes Share Flag Fri Jul 3, 2015 Home Buying in Houston
Anna Maria D…, Real Estate Pro in Houston, TX
Anna Maria Durr answered:
how long it takes to purchase a house after a preaproval?
You can also get full underwriting approval in advance of finding a home. That way when you do find a home, all that will be needed is the sales contract, appraisal, title work, and sur ... more
0 votes Share Flag Wed Jul 1, 2015 Home Buying in Houston
Anna Maria D…, Real Estate Pro in Houston, TX
Anna Maria Durr answered:
Me and my boyfriends lease is up in 2 months. My score is a 607 his is a 604? will that qualify us for a house?
With those scores, you may need more down payment to qualify, more reserves and your debt to income ratio can't exceed 43%. It is doable though if you fit the criteria.


Anna Maria ... more
0 votes Share Flag Wed Jul 1, 2015 Home Buying in Houston
HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
I am currently relocating to Houston tx. My credit score is in the low 500, I am in need of a 4 to 5 bedroom home. I also have an eviction on file.
Putting your name on the loan would hurt more than it would help. Your fiance will have to qualify on his own. Do you need the name of a good lender in that area? Contact Calvin@HelpUBu ... more
0 votes Share Flag Mon Jun 29, 2015 Credit Score in Houston
Phillip Madi…, Real Estate Pro in The Colony, TX
Phillip Madison answered:
My daughter has 676 an mine is 613. We live in oklahoma an can't get a 90.000.00 loan. Why is that. Any recommendations. Need it within a week to stay
I would suggest speaking directly with a lender to see what the issue is. Credit is not the only factor when determining pre approval
0 votes Share Flag Mon Jun 29, 2015 Home Buying in Houston
Tony Moghadd…, Real Estate Pro in Houston, TX
Tony Moghaddam answered:
Agents that specialize in older homes and small multiplexes?
Hi Ben,

If you still looking I have what you are looking for.

http://www.trulia.com/property/3923430-1915-Hawthorne-St-Houston-TX-77098

http://www.har.com/1915-hawthorne-st/s ... more
0 votes Share Flag Sun Jun 28, 2015 Home Buying in Neartown/ Montrose
Quinntonia G…, Real Estate Pro in Houston, TX
Quinntonia Glover answered:
hello my name is maria. how do i know if i qualify?
Are you talking about qualifying to purchase a home? If so, you would need to speak with a mortgage professional. You can try www.fcbhomeloans.com/elizabethsalathe and you can complete ... more
0 votes Share Flag Sat Jun 27, 2015 Foreclosure in Memorial
Anna Maria D…, Real Estate Pro in Houston, TX
Anna Maria Durr answered:
Can someone recommend a mortgage lender that can handle a Fannie Mae "Community Home Choice" Program loan in Houston, Texas?
Hi, this is part of My Community Mortgage. Yes we do offer it. Please contact me for more information!



Anna Maria Durr, NMLS 266699, Texas Mortgage Professionals, LLC, 14300 Corn ... more
0 votes Share Flag Fri Jun 26, 2015 Home Buying in 77092
Jackson Will…, Home Buyer in Provo, UT
Jackson Willis answered:
Can anyone give me some names of NACA approved contractors for repairs?
I think you could probably find some sort of registry for this online. Another thing you could do is make a list of contractors that you've heard good things about, and then check if th ... more
0 votes Share Flag Thu Jun 25, 2015 Home Buying in Houston
Mike Wilson, Real Estate Pro in 75201
Mike Wilson answered:
What is a good credit score to buy a house. I have fixed my credit and been saving for a down payment.
Depends on which type of loan you're wanting to go with. 700 and up though should give you the best available options. I'll include a link so you can look at some of the different mortg ... more
0 votes Share Flag Wed Jun 24, 2015 Home Buying in Houston
Susie Kay, Real Estate Pro in Frisco, TX
Susie Kay answered:
How much can I be pre-approved?
I would suggest that you pick up the phone and talk to a lender or two so you can discuss your financial in detail.

Good luck!
0 votes Share Flag Tue Jun 23, 2015 Home Buying in Houston
malkia.hutch…, Home Buyer in Houston, TX
malkia.hutchinson answered:
Any Realtor close to Pearland, TX with NACA Purchase Program experience?
Hi Christian-

Any update on how the process went for you? I'm considering going through NACA to buy in Pearland. Thanks so much.
0 votes Share Flag Tue Jun 23, 2015 Home Buying in Houston
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
720 credit score but with bankruptcy 2 years ago. Told 24-36 mos for curing. Been turned down. Want $100k loan or less. Gotta wait??
The loan amount doesn't matter one bit.

The waiting period and when you can be approved depends on a number of factors including:
The exact discharge date
Type of loan you are appl ... more
0 votes Share Flag Fri Jun 19, 2015 Home Buying in Houston
Anna Maria D…, Real Estate Pro in Houston, TX
Anna Maria Durr answered:
What is the best way to get an accurate credit score without it being a hard pull?
You can also use www.creditchecktotal.com. They are FICO scores and it's also a credit monitoring service.


Anna Maria Durr, NMLS 266699, Texas Mortgage Professionals, LLC, 14300 Co ... more
0 votes Share Flag Fri Jun 19, 2015 Home Buying in Houston
Anna Maria D…, Real Estate Pro in Houston, TX
Anna Maria Durr answered:
what is a DTI ?
Hi!
DTI is your debt to income ratio. That's very important to lenders when buying a house. It includes your minimum monthly revolving and installment payments that show up on your c ... more
0 votes Share Flag Fri Jun 19, 2015 Home Buying in Houston
Andrew Palum…, Real Estate Pro in Durham, NC
Andrew Palumbo answered:
I recently submitted a pre qual with a Ga dreams lender . I haven't heard back should I call them? or wait and let them contact me.thanks
Move on, most quality lenders respond very quickly.
0 votes Share Flag Thu Jun 18, 2015 Home Buying in Houston
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