Hello James,Myu name is Jill and I am an agent with Creekside Realty in Romney, WV. We have about 30 chickens and 3 roosters on our farm so I can understand your need to locate property that allows you to take them with you. I am not sure which home you are interested in, but give me a call and I'll find out for you. If that property doesn't meet your needs I'll be glad to search all area listings to find one that will.... more
I do not have any recommendations as to whom you can talk to, but most likely the reason you are not able to get an FHA loan has to do with your credit score, rather than the 6 year old bankruptcy and repossesion. I would personally try finding a mortgage broker that is also a certified financial planner. Together you should be able to come up with a plan to improve your credit score and obtain a loan to buy yourself a house. It will take some time and effort, but it is doable.... more
Nancy, just so you know, you're not alone in feeling overwhelmed about the home buying process. Especially, as a first time buyer, it's natural to be confused and have a lot of questions.
You're not expected to already know about credit scores and mortgages and exactly what the process entails.....not yet, anyway!..
Where to start?
Here's what I suggest.
1. Find a local agent - ask for recommendations from friends, perhaps, or stop by a local real estate office - speak to the manager, and ask for the name of an agent experienced in working with first time buyers.
2. Have an initial conversation/consultation with the agent, and let him or her give you an overview of what to expect. If you do not feel comfortable with this agent, do not hesitate to ask for someone new to be assigned.
3. Also......and this is important - Ask for the name of a recommended mortgage rep (you could also start out at your local bank) ..........that's a big p[art of getting this process started.
4. Meet with the loan officer/mortgage rep......... he or she will explain about credit scores and the other items you will need to provide in order to see what you might qualify for in a loan. They will go over the costs and fees and what your monthly mortgage payment might be..including taxes and insurance. They will (should) explain step by step, what to expect. If you feel you're not comfortable with this person......move onto someone else..........ask to have the different loan programs explained..... and do not be afraid to ask questions!
5. At some point after this initial meeting, the mortgage rep will run you credit, and discuss your scores with you......... if there are any issues, they will suggest how you can go about fixing them
6. At the same time, the Realtor you are working with can help keep you on top of the market (email you listings and discuss them with you sharing your feedback)...... you can begin exploring areas and styles of homes.
7. Once you know where you stand in regard to a mortgage approval;.........you can really begin looking for homes and exploring your options.
Ask your agent any and all questions you may have.........that's what he or she is there for............to help guide you through this process, holding your hand along the way!
It never hurts to do your own due diligence, too....so feel free to read up on the home buying process for your specific area.
Hope all of this helps..........I just sold my son and daughter-in-law a home, and even though "Mom" is an agent - they had the same questions and confusion you're expressing.
It will all come together!
Best wishes to you!... more
I lend on manufactured homes nationwide.
Give me a call to discuss.
Until then, I look forward to hearing from you.
Bart Gabe - 800 315 8803
Lending since 1987... more
As long as bad people have access to transportaion, crime at all levels is possible.
This is an essential element of being risk aware.
Even the 'nicest' of neighborhoods have a higher level of home security because of this awawreness.
Those who believe living behind eight foot walls, enclosed by access controlled gates in the communities of oppulent manotony, keeps them FREE of all crime are living in the unfortuneate state of being risk oblivious. There have been a LOT of unlicenced pharmacies is exactly those locations.
One is never more secure than being surrounded by good neighbors they know, have fellowship with and share community values. That community is created, not found. That community is also destoryed by just one bad element moving in. Even then, working colaboratively, this is a short lived situation.... more