Home Buying in Phoenix : Questions & Answers

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HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
Is it legal for a buyer to demand money from seller for roof repairs 2 months after escrow closing?
The buyer should contact the roofing company that made the repairs. Chances are slim that they will get anything out of the seller after closing, but I'm not an attorney.
0 votes Share Flag Yesterday at 7:27pm Home Buying in Phoenix
Bobbie.tony, Home Buyer in Fort Worth, TX
Bobbie.tony answered:
Can my FHA application loan case number be transferred from one lender to another?
It can happen in seconds if the original lender is cooperative. It is just a matter of going into the system and transferring the number to the new lender.

Sure You will figure it o ... more
0 votes Share Flag Fri May 22, 2015 Home Buying in Phoenix
Andy Brown, Real Estate Pro in Carlsbad, CA
Andy Brown answered:
700 credit score, 300k verified income, purchase price of 825k, can I get a jumbo load with 5% down? 10% down?
Yes we have 5% down jumbo financing to $850k loan amount and fantastic rates.
0 votes Share Flag Wed May 13, 2015 Home Buying in 85044
Bryan Hamby, Real Estate Pro in 85260
Bryan Hamby answered:
Can I get approved for a mortgage with 554 credit score and 7K for a down payment?
The higher your credit score, the better the loan programs that will be available to you.
If you need credit repair recommendations, I have two that clients of mine have used in the p ... more
0 votes Share Flag Thu May 7, 2015 Home Buying in 85043
Bryan Hamby, Real Estate Pro in 85260
Bryan Hamby answered:
Hello, trulia experts - I want to be able to cap the number of bedrooms or sf in a search... and be able to search by $/sf ranges. Any way to do that?
If you would like for me to create a search for you so you can see exactly what you would like, please email me with the specifics and I will be more than happy to create the search for ... more
0 votes Share Flag Thu May 7, 2015 Home Buying in Phoenix
Bryan Hamby, Real Estate Pro in 85260
Bryan Hamby answered:
Am retiring to Phoenix area this spring. Interested in Ahwatukee and Tempe. I'd like a Realtor who knows the neighborhoods well. Thanks, Kaye
I live near the South Tempe/Chandler border and have been a top producer for 15 years in the valley.
If you need assistance without pressure and a sales mentality, please feel free to ... more
0 votes Share Flag Thu May 7, 2015 Home Buying in Ahwatukee Foothills
Bianca Benne…, Real Estate Pro in 85085
Bianca Bennett Real EstateTeam answered:
Is there anyway I can do this without a down payment?
Have you spoke with a lender? Do you need a great contact that can discuss with you on that topic?
0 votes Share Flag Tue Apr 28, 2015 Home Buying in Paradise Valley
Carol Lin, Real Estate Pro in Sunnyvale, CA
Carol Lin answered:
How do I start the process of buying a home?
Hi there, here is a basic guide to getting started:

1. Find out how much of a loan you are qualified for at a bank and then contact a bank loan agent to get pre-approved.

2. Consi ... more
0 votes Share Flag Wed Apr 22, 2015 Home Buying in Phoenix
Douglas C Gi…, Home Buyer in Twentynine Palms, CA
Douglas C Ginger H and furry friend Hooch answered:
Will the down payment process change if I plan to withdraw my down payment from my 401k?
Look up 1031 tax exchanges, to avoid the taxes; you're reinvesting your "gains", here. Tell the investment house, not to take out taxes. Rather than cashing out what an e ... more
0 votes Share Flag Tue Apr 21, 2015 Home Buying in Phoenix
MichelleMorg…, Real Estate Pro in Hallandale, FL
MichelleMorgan1 answered:
Question on FHA Mortgage and PMI
FHA MORTGAGES HAVE EASIER CREDIT QUALIFYING GUIDLINES SUCH AS:
12 months after a chapter 13 Bankruptcy.- 2 years after a chapter 7 Bankruptcy.
FHA will allow a Florida home purchase 3 ... more
0 votes Share Flag Mon Apr 20, 2015 Home Buying in 85015
Joseph Domino, Real Estate Pro in Scottsdale, AZ
Joseph Domino answered:
Is it a good idea to take money from my IRA to help with a down payment on my first home?
If at all possible I would say not to take money from your IRA. I would first try to find a seller that will offer seller paid closing costs, a down payment assistance program or lender ... more
1 vote Share Flag Sat Apr 18, 2015 Home Buying in Phoenix
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
When you buy a new construction home in a subdivision do you use your real estate agent or do you deal with the builder's agent?
Always best to use your own agent. The sales staff on site represents the interests of the builder.
0 votes Share Flag Thu Apr 16, 2015 Home Buying in Phoenix
Gerald Feens…, Real Estate Pro in Grand Rapids, MI
Gerald Feenstra answered:
What's the difference between a conventional loan and a FHA loan?
Hi Sage,

Below are 2 articles I found regarding the difference between a conventional loan and an FHA loan. Hope this helps!

http://homeguides.sfgate.com/difference-between-fha-co ... more
0 votes Share Flag Mon Apr 13, 2015 Home Buying in Phoenix
Joan Henry A…, Home Buyer in Phoenix, AZ
Joan Henry Abney answered:
Would you ever allow a buyer to rent before closing?
We did a day to day rental on a home we purchased. The rental was established at a prorated amount based on the purchase price. Because of the holidays we wouldn't be able to close un ... more
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
Korene L. Cl…, Real Estate Pro in Peoria, AZ
Korene L. Clopine-Seaman answered:
Where to start to get a construction loan, my house is old (1935), leaning south.?
Mary, there are a number of good answers here. As a Mortgage Banker, I would answer your question this way, Depending on your personal situation, I have 4 programs that would fit your ... more
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller PLLC answered:
Start with your bank or lender about a home improvment loan
What is your question about this? You should speak with several lenders about rate, terms, loan amount, etc prior to making a decision about the loan.
0 votes Share Flag Fri Apr 10, 2015 Home Buying in Phoenix
laweagle, Home Buyer in Goodyear, AZ
laweagle answered:
Can we apply for loan modification while our house is for sale? Should we stop paying our mortgage until we get approved for the loan modification?
You can apply for a loan mod while your home is for sale. I don't think it's a good idea - you're trying to straddle two incompatible choices. Better to decide now - keep the home or ... more
0 votes Share Flag Mon Apr 6, 2015 Home Buying in 85053
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