46410 : Questions & Answers

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Laura Feghali, Real Estate Pro in Stamford, CT
Laura Feghali answered:
I just filed for bankruptcy and right now I pay rent of 904.00 a month and im always on time. Will I be able to get a loan to purchase a house?
Hi Christy,
Once you file for bankruptcy then the wait period is 18 months to two years and your credit score must show improvement before you can apply for a mortgage.

Here is a ... more
0 votes Share Flag Sat Jun 25, 2011 Home Buying in Merrillville
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
Currently I cant afford to pay my mortgage and my taxes and ins is in escrow. Should I continue to pay the escow only?
Hi Bubba,

Have you contacted your lender(s) to see if you can do a loan modification or deferred payments? First step is to talk to your lender to see what options you have availabl ... more
0 votes Share Flag Wed Jun 22, 2011 Home Buying in 46410
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
if i only have a verbal acceptance on a short sale as the buyer, can i rescind without losing earnest monies?
Hi Deonsvans,

Real estate contract have to be in writing to be legally binding. If all parties have not signed the contract yet, have your Realtor do a Withdrawl of Offer to cancel ... more
0 votes Share Flag Wed Jan 2, 2013 Home Buying in Merrillville
jdavidsworld, Home Owner in Charlotte, NC
jdavidsworld answered:
How do I contact Premiere Asset services (of Wells Fargo) near Merrillville INDIANA via regular U.S. "snail mail"? Email:
Good Luck! They don't want anyone to communicate with them at ALL except the brokers they have in charge of their properties. There is a complaint link on the Wells Fargo REO page.
0 votes Share Flag Tue Apr 1, 2014 Foreclosure in Merrillville
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
how can i locate a realtor who deal with section 8 houses for rent im relocating from one state to another with a 3 bedroom voucher.?
You can check with your caseworker for available rentals, you can contact any local realty offices and inquire, you can check local print media for by owner rentals, word of mouth, etc.
0 votes Share Flag Mon Oct 6, 2014 For Rent in Merrillville
Sarah Klamm, Real Estate Pro in Wellsville, KS
Sarah Klamm answered:
Should I rent this property?
Follow your instincts! This situation has several potential pitfalls.
0 votes Share Flag Fri Apr 15, 2011 Rentals in 46410
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
What exactly are points and how do they work?
Points are a way the lender makes some profit right now by lowering the interest rate by getting some money upfront. Approx 8 discount points will equal 1 % of interest rate. So if you ... more
0 votes Share Flag Wed Jan 12, 2011 Financing in 46410
Chris Lefebv…, Real Estate Pro in Methuen, MA
Chris Lefebvre answered:
We are thinking of moving within 5 years m/l. Would it be worth our while to put in central air? The cost for our home would be between
Central air would certainly be a selling point, but it is difficult for anyone to say whether or not you would recoup your money or not because it depends on what the overall housing ma ... more
0 votes Share Flag Tue Jul 27, 2010 Home Selling in 46410
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
i need to ret a house in collinsville or martinsville VA help please
Since no local answers yet--any local agent should be able to help you, contact any realty office(s) and inquire--or for by owner rentals, check local print media, word of mouth, Craig& ... more
0 votes Share Flag Sun Jul 11, 2010 Rentals in Merrillville
Rick Jolliff, Real Estate Pro in Valparaiso, IN
Rick Jolliff answered:
what does contingent SI mean?
It is under an accepted contract that is Subject to and Inspection (SI).
0 votes Share Flag Fri Jun 10, 2011 Market Conditions in Merrillville
Pat and Steve…, Real Estate Pro in Westlake, OH
Pat and Steve Pribisko answered:
I am interested in renting or renting to own a home in the merrillville school district area with the following amenities: 3 bdrm; 2 baths; family
I'm located in Northeast Ohio, but I looked for a fellow Keller Williams Agent. I suggest that you contact Jana Caudill for assistance. I am not making a referral. I'm only ... more
0 votes Share Flag Sun Jan 10, 2010 In My Neighborhood in 46410
Voices Member,  in
Voices Member answered:
If applying for mortgage with two peoples names as mortgagees, can one person choose to be on the mortgage and the other not?
If I understand you correctly; if you need both incomes to qualify or credit scores then both of you have to be on the mortgage. If you don't need those things then no. If you ha ... more
0 votes Share Flag Sun Jan 10, 2010 Home Buying in 46410
Vivian L Jan…, Real Estate Pro in Crown Point, IN
Vivian L Jankauskis answered:
How do I find a realtor that specializes in REO buys/sales who can help me write up my offer for a home? (Northwest Indiana area)
Hi Sydney,
I don't do REO's specifically but I have done some residential REO's. I also have a partner that has done alot of REO's and commercial. My office ... more
0 votes Share Flag Mon Nov 15, 2010 Home Buying in 46410
Al Akerman, Real Estate Pro in New Jersey
Al Akerman answered:
What happens if you refuse to pay your taxes through an escrow account after you began a mortgage, but you continue to pay taxes directly to the?
When you signed your mortgage docs, you agreed to pay taxes directly to your loan servicer.

Paying your taxes directly to the county or city will ensure that your taxes don't go ... more
0 votes Share Flag Wed Dec 30, 2009 Home Buying in 46410
Michael Smit…, Real Estate Pro in Indiana
Michael Smitley answered:
When a house is up for a short sale are the owners aloud to enter and exit anytime?
Ew -

Yes, when a home is up for short sale the owners are still the legal owners of the home. If the bank were to go through the forclosure process and eviction notice has been serve ... more
0 votes Share Flag Wed Dec 9, 2009 Foreclosure in Merrillville
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
We are looking for a home/duplex/town home/condo/villa with a rent option. We are a family that is receiving $2300 per month in unemployment.
Destiny,

I do not know where you are now but I would think it would be very hard to find a landlord who is willing to rent out a unit with a 12 month lease knowing you could have 0 ... more
0 votes Share Flag Fri Dec 11, 2009 Rentals in Merrillville
Dana Schuster, Real Estate Pro in 70458
Dana Schuster answered:
i need to know if you accept section 8 vouchers i'm from Clarksdale,Ms and i'm moving back home to be closer
Hi,Terri:

here are some basics about rent to own:1. You would need to sign a contract to buy the house within a certian time period(usually 12 months)2. you would pay the owner a non ... more
0 votes Share Flag Mon Jul 27, 2009 Moving in Merrillville
Joe Shoemaker, Real Estate Pro in 46203
Joe Shoemaker answered:
how many places should i look for a loan, this place wants me to pay 1290 a month for 125k with 5k down?
Start at your bank. Then call a reputable, big mortgage lender in your area. Avoid fly-by-night shops or places that advertise only payments and rates in the newspaper.
0 votes Share Flag Mon Mar 25, 2013 Financing in Merrillville
Cindy, Home Buyer in Cuyahoga Falls, OH
Cindy answered:
how much can i offer for a foreclosure at around 125k?
usually if it has gone thru foreclosure the bank owns it. you can look up the tax records or the sheriff sale to find out for sure.
you can offer anything you want. some banks will ben ... more
0 votes Share Flag Wed Jan 2, 2013 Home Buying in Merrillville
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