Home Buying in 55123 : Questions & Answers

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Christopher…, Real Estate Pro in Saint Paul, MN
Christopher Block answered:
My Ex needs to buy a house and has a credit score of only 570. Can anyone help or advise as to whom I may contact?
Hey!

I am still trying to get my loan officer Lisa on here, but give her a call 612-990-2271 or just contact me directly and we can talk more about advice!

Basically, I have y ... more
0 votes Share Flag Wed Apr 10, 2013 Home Buying in 55119
Connie S. Pa…, Real Estate Pro in Northport, AL
Connie S. Pate answered:
what does the debt to ratio mean?
This means the formula the lender uses to see how much you have going out for debt and then how much you have coming in as income . They have a specific percentage that you have to hav ... more
0 votes Share Flag Tue Apr 16, 2013 Home Buying in Saint Paul
Matt Christe…, Real Estate Pro in Prior Lake, MN
Matt Christensen answered:
Can I buy a home if I owe the state of Minnesota?
Possibly, however not real likely.

What type of debt do you owe?

Are you now on a payment plan?

Are you presently past due?

How does it show up on your credit report?
0 votes Share Flag Fri Mar 14, 2014 Home Buying in Saint Paul
Moraghan Der…, Real Estate Pro in Saint Paul, MN
Moraghan Derosia answered:
I'm new to the house hunting scene. I'm wondering how I go about getting pre approved? any advantages for first time buyer and being a teacher?
Great question! There are many programs out there for first time home buyers. I would make sure to get preapproved with a lender who will take the time to work with you and talk about t ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in Saint Paul
Mayda Ridere…, Real Estate Pro in The Lakes, NV
Mayda Riderelli answered:
Where is the best state to live in?
Minnesota, Colorado, Nebraska, and North Dakota round out the top five.
0 votes Share Flag Tue Apr 16, 2013 Home Buying in 55109
Cameron Piper, Real Estate Pro in Minnesota
Cameron Piper answered:
Can anyone help with buying a cheaper home and financing in Saint Paul?
Walley,

A couple of things to consider are whether or not you have GI BIll benefits intact (have you used them to purchase another house). If you do, you can use the GI BIll to do a ... more
0 votes Share Flag Tue Feb 12, 2013 Home Buying in Saint Paul
Elizabeth Fu…, Real Estate Pro in 55445
Elizabeth Fuller answered:
when buying a house in an OK area i.e. decent amount of crime. is it to sell the house 5years later. is there a precentage you can expect to lose?
Why would you expect to lose? Michael, do you have real estate agent? You need one...if you have one, discuss this with your agent. If you don't have one, get one. An agent represe ... more
0 votes Share Flag Mon Jul 22, 2013 Home Buying in Saint Paul
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Building a new home, how does the lot get purchased?
In most new construction the builder owns the lot and sells you the lot with a new home. If you are buying the lot and hiring a builder, you would need a construction loan that would al ... more
0 votes Share Flag Wed Dec 4, 2013 Home Buying in 55124
Christopher…, Real Estate Pro in Saint Paul, MN
Christopher Block answered:
What are the average HOA fees in the northern suburbs of Mpls- St. Paul?
on the low end you will be around $160, but there are a couple associations where you will be over $200/month. I would add you may want to look in Shoreview for TH's. There is more inve ... more
0 votes Share Flag Mon Aug 13, 2012 Home Buying in 55112
Christopher…, Real Estate Pro in Saint Paul, MN
Christopher Block answered:
Recommendations for a home builder?
Well I will tell ya what I do know of a builder that has been doing homes since the 1970's and it is a small family owned business. Not one of these big companies in Minnesota. It is ju ... more
0 votes Share Flag Thu Dec 6, 2012 Home Buying in Saint Paul
Kirk Duckwall, Real Estate Pro in Minnesota
Kirk Duckwall answered:
I am looking for a singly family house in shoreview area. 200k-250k, 2000sqf, 30years old
I grew up in the Roseville / Shoreview area and have been helping buyers and sellers there for many years. Please feel free to give me a call or shoot me an email if you would like to t ... more
0 votes Share Flag Fri Aug 15, 2014 Home Buying in 55126
Elizabeth Fu…, Real Estate Pro in 55445
Elizabeth Fuller answered:
Has anyone applied for a Wells Fargo CDMP loan?
You are in process. Just stay with it and let the steps unfold. These community development loans have their own pace and just go with the flow as long as your buying power and credit ... more
0 votes Share Flag Sat Mar 2, 2013 Home Buying in 55103
Susan Hoffla…, Real Estate Pro in Minneapolis, MN
Susan Hofflander answered:
I think my loan officer is racist and is putting up road blocks, to my loan, what can I do?
What??? That's not a good feeling! I would suggest talking to the manager of the mortgage company first. Do you have a real estate agent yet?

If you don't feel your issues are be ... more
0 votes Share Flag Sat Jun 30, 2012 Home Buying in 55119
Ryan Bretzel, Real Estate Pro in Lake Elmo, MN
Ryan Bretzel answered:
I am looking for a 3bed / 2 bath townhouse in Woodbury,MN possibly new or built in the last 10 years. What would be the price range?
Blue,

To be honest builders dont always budge much on price. A lot of it has to do with what upgrades and amenities the unit has. Many times they will also try to get you to use t ... more
0 votes Share Flag Fri Mar 14, 2014 Home Buying in 55129
Suzanne Bown…, Real Estate Pro in Minnesota
Suzanne Bownik answered:
I put an offer in on a short sale 9 months ago and am still waiting. The attorney involved is not responding my my realtor, do I have any recourse?
Unfortunately the attorney handling the short sale is representing the seller and has no responsibility to answer to your Realtor. Short sales can be frustrating, especially when waiti ... more
0 votes Share Flag Tue Apr 24, 2012 Home Buying in Saint Paul
Sarah Goulart…, Real Estate Pro in Bourne, MA
Sarah Goulart Nathe answered:
I'm a home inspector. What are the most common complaints you hear about home inspections?
That they can present their information in an 'alarmist' manner.
0 votes Share Flag Thu May 31, 2012 Home Buying in 55104
Steven Ford,…, Real Estate Pro in Collierville, TN
Steven Ford, Broker, ABR, SRS, e-Pro answered:
I want to buy a property in Minnesota but I don't live there. How do I go about buying a seasonal home?
First, target the area you want. Second, consult a Realtor in your home town about finding you a good realtor in the target area. Third, investigate what will be required to get finance ... more
0 votes Share Flag Tue Apr 24, 2012 Home Buying in Dayton's Bluff
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Advise how to select Title Company & get Title Insurance as well
Chicago and Stewart are both Companies that I have dealt with and would recommend;
Your Realtor may have a favorite.

Walk in and ask them for a HUD1 which will show your share of th ... more
0 votes Share Flag Tue Feb 12, 2013 Home Buying in Saint Paul
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
Is this a good time to buy? Buying in Eagan,mn
Cequal,

The only losers in this market are those individuals that are not staying current and exploring real estate options....this doesn't mean that it's the right time fo ... more
0 votes Share Flag Wed Oct 16, 2013 Home Buying in 55122
Michelle Car…, Real Estate Pro in Cupertino, CA
Michelle Carr-Crowe answered:
What lenders are good when dealing with short sales and which ones do you try to avoid?
When you are buying and fall in love with a home, you don't have a lot of choice about the short sale lender. If your agent is able to search, definitely Wachovia & Wells Fargo ... more
0 votes Share Flag Fri Mar 25, 2011 Home Buying in Saint Paul
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