Home Buying in Richmond : Questions & Answers

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Tara Semtner, Real Estate Pro in Richmond, VA
Tara Semtner answered:
My husband and I are new Home buyers. We have no credit at all and we have no criminal records. Is it possible to find a house under 100,000?
Do you have any money to put down? Good rental history? Contact a local lender or mortgage broker who will go through your financials and credit worthiness with you.
0 votes Share Flag Tue Apr 23, 2013 Home Buying in 23235
David Adams, Real Estate Pro in Henrico County, VA
David Adams answered:
I've heard that the West End's Spring Real Estate Market is heating up. Many listings receiving multiple offers. Is this true?
It sure is! It is not unusual for a well priced home to receive multiple offers after only a short time on the market.
0 votes Share Flag Fri May 10, 2013 Home Buying in 23238
tim moore, Real Estate Pro in Nags Head, NC
tim moore answered:
How long does it typically take to close on a house with an FHA loan?
It depends how long it takes the lender to get the loan ready. The faster you answer their questions and get them documents, the faster it takes. A lender gathers info until they think ... more
0 votes Share Flag Thu Apr 11, 2013 Home Buying in 23226
Stephanie Mi…, Real Estate Pro in Richmond, VA
Stephanie Miller answered:
Walk Away? Major leak in MB: new subfloor&tiling installed.House replumbed b/c PolyButylene. THEN word that person w/ POA does not have it.
If you are concerned about polybutylene pipes check out this website. Very informative. http://www.polybutylene.com/poly.html
0 votes Share Flag Mon Mar 25, 2013 Home Buying in Richmond
Ryan C. Sanf…, Real Estate Pro in Chesterfield, VA
Ryan C. Sanford Remax-Virginia answered:
I need to secure homeowner's insurance before closing. What companies are favored by Richmonders or Virginians? Thanks!
Hi Kay-

Call my neice at Sanford Insurance. Her name is Ashley and her number is 804-639-0072 They are a Broker so they have several different carriers they can shop you with and I r ... more
0 votes Share Flag Mon Apr 8, 2013 Home Buying in Richmond
Charles Rori…, Real Estate Pro in Grants Pass, OR
Charles Rorive answered:
property with a cemetery on it. House has a lot of pluses, large parcel there is an easement for visitors, would this be a negative for resale?
jbluffton,

Any easement on a property could be a negative for resale... It all depends on the buyers. Somewhere out there, are buyers that will buy the parcel thinking that the easm ... more
0 votes Share Flag Mon Mar 4, 2013 Home Buying in Richmond
Bentley Affe…, Real Estate Pro in 23113
Bentley Affendikis answered:
Hello, looking for the history of crimal activity at my residence. Inquiry of this information before purchasing.
Go to the police website. I believe you can find the information there.
0 votes Share Flag Tue Mar 5, 2013 Home Buying in 23237
Cynthia Cain, Real Estate Pro in Midlothian, VA
Cynthia Cain answered:
I am looking to buy a house,but Iam looking to finance by owner isit possiable?
Yes, it is certainly possible. I helped buyers find an "owner financed" home this past fall. I personally bought an investment property years ago this way in "the fan" & also in another ... more
0 votes Share Flag Mon Mar 4, 2013 Home Buying in Richmond
Bentley Affe…, Real Estate Pro in 23113
Bentley Affendikis answered:
I want to see home to buy in Richmond,va
What home do you want to see?
bentley.affendikis@joynerfineproperties.com
804-938-3539 call or text
0 votes Share Flag Mon Jan 21, 2013 Home Buying in Richmond
Keith Jean P…, Real Estate Pro in East Brunswick, NJ
Keith Jean Pierre answered:
I am a home owner and I am ready to buy my first investment property. I want to flip it ( buy it fix it sell it). Who does loans that will allow me?
It all depends on your credit situation and income ratios. In most situations you are going to be required to put down a mininum of 20% down on your second property and have plenty of a ... more
0 votes Share Flag Sat Mar 2, 2013 Home Buying in Richmond
nwilsonhcps, Home Owner in Richmond, VA
nwilsonhcps answered:
Bellevue, Northern Barton Heights, Forest Hill, or ???
I live in bellevue and absolutely love it!. all of the homes have lots of charm and chracter and were built in the 30's. lots of local shops and resturants, my personal favorite resuran ... more
0 votes Share Flag Fri Jan 18, 2013 Home Buying in 23227
Teresa Irish, Real Estate Pro in Virginia
Teresa Irish answered:
I'm told if my house doesn't appraise to the sales price, the buyer is not allowed to make up the difference in cash on a conventional loan. True?
It really does depend on the lender and the loan. Has the buyer considered changing lenders?
0 votes Share Flag Wed Dec 5, 2012 Home Buying in The Museum District
Pam Davis, Real Estate Pro in Richmond, VA
Pam Davis answered:
I plan to purchase a house. Would the lender require my husband's income and tax documents (we file separately) to approve me for a mortgage?
You really need to speak to a lender as soon as possible. There are many factors involved including credit score, employment, salary, etc. How taxes are filed doesn't really have a be ... more
0 votes Share Flag Thu Feb 20, 2014 Home Buying in Richmond
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
what kind of grants would I qualify for if purchased an older home than need major repairs?
Generally the best person to ask about grants is someone in your local area, however you could also consider a 203k loan, which is an FHA rehab loan, that would give you money for major ... more
0 votes Share Flag Sun Sep 15, 2013 Home Buying in 23223
Ellen & Doc…, Real Estate Pro in San Antonio, TX
Ellen & Doc Stephens answered:
Loan was submitted last week to usda for approval will I close in November as schedule
Whoa, good luck! USDA Loans can take 60 days or even longer to be approved. Make sure your lender is VERY pro-active and follows up every day. You may also consider extending the clo ... more
0 votes Share Flag Fri Nov 16, 2012 Home Buying in Richmond
Ann Mullikin, Real Estate Pro in Chesterfield, VA
Ann Mullikin answered:
Do I need to repay my First Time Home Buyers Tax Credit?
You might want to check with a tax professional, but after working with another client, I do think you might have to pay a portion or all of the grant money back if you do purchase anot ... more
0 votes Share Flag Fri Oct 26, 2012 Home Buying in Northern Barton Heights
Mike Hogan, Real Estate Pro in Mechanicsville, VA
Mike Hogan answered:
Any opinions or details related to Hallmark Home Builders in Richmond, VA?
I can't speak to the past complaints about Hallmark- but I've been in several of their new homes and I have to say the homes are built extremely well. I've sold 3-4 of their homes over ... more
0 votes Share Flag Fri Mar 1, 2013 Home Buying in Richmond
David j Lydi…, Real Estate Pro in 23069
David j Lydiard answered:
are there any areas of the greater richmond that have sidewlks, just moved here and cant find a neighborhood with sidewalks. dont like that.
Welcome to RIchmond, Jeff! You've got to check out Bellevue in the Northside. Historic neighborhood, big trees, sidewalks, restaurants, shops, and real houses. I-95, I-64, and Powhit ... more
0 votes Share Flag Wed Oct 10, 2012 Home Buying in Richmond
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
"Finished Basement" - how is it defined, and how much value does it add?
You are OVER-THINKING this:

The primary VALUE in a basement is possibly to the Buyer; if they want one.
It is a very difficult item for Appraisers to evaluate;
and there are no uni ... more
0 votes Share Flag Tue Aug 28, 2012 Home Buying in Richmond
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