Home Buying in Indianapolis : Questions & Answers

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Jackson Will…, Home Buyer in Provo, UT
Jackson Willis answered:
First time home buyers out of town?
I think you should definitely start talking to a realtor or a mortgage broker about what you can afford. It's going to be significantly easier to go through this process if you start ea ... more
0 votes Share Flag Mon Jul 20, 2015 Home Buying in Indianapolis
HelpUBuy Ame…, Real Estate Pro in 75019
HelpUBuy America answered:
MY CREDIT IS NOT WHERE I WANT IT BUT I BEEN GETTING HELP WITH LEXINGTON TO GET IT BACK UP. I WANTED TO DO A RENT TO OWN ON SOME OF THE HOUSES I SAW
Rent to own is a horrible, horrible idea for the buyer. Renting and owning should be treated as two separate transactions, not one. Wait until you can qualify for a traditional mortgage ... more
0 votes Share Flag Sat Jul 11, 2015 Home Buying in 46216
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Convert single owner duplex to dual owner?
You would be turning into a condo/ Your first call should be to a real estate attormey to see if you have to register condos with your state. The lawyer then will set up a declaration o ... more
0 votes Share Flag Sat Jul 4, 2015 Home Buying in Indianapolis
Noah Seidenb…, Real Estate Pro in Evanston, IL
Noah Seidenberg answered:
Can we legally back out of a purchase if the lender lowered the asking price to match the VA appraisal.?
You need to talk to a Real Estate Attorney to find out. This is a serious issue and needs legal attention.
0 votes Share Flag Thu Jul 2, 2015 Home Buying in 46237
Noah Seidenb…, Real Estate Pro in Evanston, IL
Noah Seidenberg answered:
Are there grants for first time home buyers? Or any other sort of grant to help buy a home?
Marlyne only a lender can answer this question. I know there are some good programs but you need to speak with a professional to find out what would work best for you situation.
1 vote Share Flag Thu Jul 2, 2015 Home Buying in Indianapolis
Megan Miller, Home Buyer in Fresno, CA
Megan Miller answered:
My husband has a credit score of 610, what are our options for finding a mortgage?
You can get an FHA loan with a 610 credit score, have you tried The Lenders Network? They referred us to a lender that was able to approve us with a 600, even when we were declined by m ... more
0 votes Share Flag Wed Jun 17, 2015 Home Buying in Indianapolis
Noah Seidenb…, Real Estate Pro in Evanston, IL
Noah Seidenberg answered:
I'm the buyer. My purchase agreement was amended with a contingency and the closing date was moved. The date was moved to a Saturday?
They have no choice. If they don't contact a Real Estate Attorney. You have a binding contract.
0 votes Share Flag Mon May 25, 2015 Home Buying in Indianapolis
Jasonwelks55, Home Buyer in Indianapolis, IN
Jasonwelks55 asked:
I'm the buyer. My purchase agreement was amended with a contingency and the closing date was moved. The date was moved to a Saturday? The title company doesn't work on a Saturday so we can't close. That company was selected by the seller.
If the seller refuses to agree to a new closing date, what happens?
0 votes Share Flag Sun May 24, 2015 Home Buying in Indianapolis
Brian F Walsh, Real Estate Pro in Charleston, SC
Brian F Walsh answered:
I am currently a fulltime college student, my husband works full time. Can we purchase a house using a itin number? I am born here but dont work so I
This question is best answered by contacting a local lender whether one at your bank or a recommendation from someone in your area.

Good luck!
Brian
0 votes Share Flag Mon May 11, 2015 Home Buying in Indianapolis
Lori Welch, Real Estate Pro in ,
Lori Welch answered:
Does anyone have a mortgage lender they highly recommend in the Indy area?
Hi Jennifer, I am a mortgage broker/loan officer here in the Indy area. I've been in the business for 13 years. I work with first time home buyers often and am happy to answer any quest ... more
0 votes Share Flag Tue Apr 7, 2015 Home Buying in Indianapolis
mcdonaldcath…, Home Buyer in Indianapolis, IN
mcdonaldcathyboo answered:
1st time home buyer..Are any classes i can take because i am clueless?
are there any class i can take for first time home buyer in indianapolis
0 votes Share Flag Fri Apr 3, 2015 Home Buying in 46222
Rance Stodda…, Home Buyer in Stockton, CA
Rance Stoddard asked:
I send an invitation to someone to share my homes list and Trulia sends an email saying a "Secret Admirer" has sent email. Absolutely unacceptable!!! Sending email as a "Secret Admirer" is childish and offends the recipient. In fact, most of those I invited to share my list deleted the email without reading…
0 votes Share Flag Sun Mar 29, 2015 Home Buying in 46217
Jackson Will…, Home Buyer in Provo, UT
Jackson Willis answered:
How can I prove the home seller did illegal electrical work and didn't disclose?
You're definitely going to want to talk to an attorney about this. Beyond that, you should try to do whatever you can to repair the problem and keep a detailed record of all of the mone ... more
0 votes Share Flag Wed Mar 11, 2015 Home Buying in Indianapolis
Shannon Thom…, Real Estate Pro in Avon, IN
Shannon Thomas answered:
I'm a first time home buyer and trying to decide between a large or small mortgage company. What are the pros and cons for each?
Talk with your Realtor they always have tried and true recommendations. The lenders I work with I know will get my clients to close with as little stress as possible. There is nothing ... more
0 votes Share Flag Sat Feb 7, 2015 Home Buying in 46227
Shannon Thom…, Real Estate Pro in Avon, IN
Shannon Thomas answered:
During inspection contingency major defects discovered and HVAC, etc. past lifetime but represented as new on listing - seller now keeping earnest $.
Sad crummy situation. The seller is suppose to disclose all known defects even in a for sale by owner situation the seller has to fill out the state disclosure form.
If an inspectio ... more
0 votes Share Flag Sat Feb 7, 2015 Home Buying in Indianapolis
Dorit & Joel…, Real Estate Pro in Beverly Hills, CA
Dorit & Joel Cooper answered:
Buyer ordering/paying for inspection - is this done BEFORE OR AFTER final agreement is signed??
In California buyer inspections are generally ordered after seller's written acceptance of the purchase offer
0 votes Share Flag Sat Feb 7, 2015 Home Buying in Indianapolis
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
If I pay off the debt collector on my zombie mortgage, will that be considered a short sale?
Nope. A short sale is when a bank (the lender) allows the home to be sold for less than what the current owners owes to the lender. In some states the bank can then go after the ex-owne ... more
0 votes Share Flag Thu Feb 5, 2015 Home Buying in Indianapolis
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