Home Buying in Phoenix : Questions & Answers

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Joseph Domino, Real Estate Pro in Scottsdale, AZ
Joseph Domino answered:
Looking for a lender who will offer rent to own financing. I have identified a townhome I would like to purchase. I have down payment
Your post is quite confusing. If you have a down payment, why would you be interested in a "rent to own" situation? In fact, if you have down payment money you should apply for a mortga ... more
0 votes Share Flag Thu Jun 18, 2015 Home Buying in Phoenix
Diablokrogh, Home Buyer in Phoenix, AZ
Diablokrogh answered:
Is buying a gorgeous home in Phoenix without a pool a good investment?
The house, NOT THE POOL, is where you need to be focused. The cliche that a pool adds "$5,000" in value is an incorrect statement....in fact, anybody that uses that cliche is probably n ... more
0 votes Share Flag Sat Jun 13, 2015 Home Buying in Phoenix
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
I am in bankruptcy for two years. Is it possible to buy a house now? I am moving to another state and need the tax break.
Hi Barbo1960,

It sounds like you filed a chapter 13 bankruptcy, right? If so you maybe eligible right now as long as you have the trustee's approval and you have made your payments o ... more
0 votes Share Flag Tue Jun 9, 2015 Home Buying in Phoenix
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
What does a realtor focused on investment properties do?
Hi,

Hopefully you value receiving a search of our local MLS as opposed to 3rd party sites (such as Trulia) where listings are often "phantoms." While most listings appear in MLS, so ... more
1 vote Share Flag Thu Jun 4, 2015 Home Buying in 85016
Lmpay, Home Buyer in Costa Mesa, CA
Lmpay asked:
Is it legal for a buyer to demand money from seller for roof repairs 2 months after escrow closing? Seller performed roof repairs after Inspection to buyer's satisfaction, but 2 months after closing, there was a separate leak. Buyer had a second inspection done, and the report said seller's…
0 votes Share Flag Wed May 27, 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 Scottsdale, AZ
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 Scottsdale, AZ
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 Scottsdale, AZ
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
Carol Lin, Real Estate Pro in Cupertino, 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
Gary Miljour,  in Chandler, AZ
Gary Miljour answered:
Question on FHA Mortgage and PMI
Carlos,

As a mortgage lender who specializes in FHA loans, I can answer this question for you. On FHA loans you pay an upfront MIP premium which is financed into the loan. That rep ... 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 Phoenix, 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
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