Saint Paul : Questions & Answers

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B, Home Owner in Minneapolis, MN
B answered:
Is it possible to get my student loan debt combined into a home mortgage? So, I would have one payment a month. I would like to buy a home. Lori
Hi, not on buying but on refinance, so you need to have a home , and equity, to consolidate the debt.

Get all you paperwork toghether, such as, last 4 paystubs, last 2 years of tax ... more
0 votes Share Flag Fri Mar 22, 2013 Home Buying in 55106
Kathleen Lor…, Real Estate Pro in Brainerd, MN
Kathleen Lordbock answered:
will there be more listings on the market soon? options in my price range seem to be dwindling...
Many more homes will be entering the market in your area soon. Here in the Brainerd Lakes things are picking up and new listings are hitting the market weekly. Buyers are also coming ou ... more
0 votes Share Flag Tue Jan 26, 2010 Home Buying in Saint Paul
Kathy Weber…, Real Estate Pro in Temecula, CA
Kathy Weber (951) 551-7587 answered:
House apraised at 147,000 and 135,000 what value can lender use for FHA loan
Jon,

The best avenue to go is with the appraisal from your lender. That is your top priority.

Even if it's less than what the lender's appraisal/BPO says. It's yo ... more
0 votes Share Flag Thu Jan 21, 2010 Home Selling in Saint Paul
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Planning on buying a twin home, but does not have Home Owners Association?
Why not seek the advice of an attorney that specializes in Real Estate--maybe there are other ways of coordinating exterior an roof maintenance, since the home is not part of any HOA.
0 votes Share Flag Thu Jan 2, 2014 Home Buying in 55124
Charles Dail…, Real Estate Pro in Saint Paul, MN
Charles Dailey answered:
Home balance 175,000 to much for me how do I get off from under house I cant afford
You would either want to cooperate with your bank in selling your home if you owe more than the house is worth (also known as a short sale) or attempt a loan modification. In the case ... more
0 votes Share Flag Sun May 2, 2010 Financing in Saint Paul
Lenny Frolov, Real Estate Pro in Minneapolis, MN
Lenny Frolov answered:
IS IT NECESSARY FOR ME AND MY SPOUSES CREDIT TO BE USED FOR A CONTRACT FOR DEED? I WAS TOLD UNLESS LEGALLY SEPARATED WE BOTH WOULD BE?
Typically your credit is not used in a contract for deed situation. The seller may elect to run your credit to determine worthiness but that is not mandatory. I have run into a lot of s ... more
0 votes Share Flag Thu Oct 15, 2009 Home Buying in 55106
B, Home Owner in Minneapolis, MN
B answered:
I'M TRYING TO GET INTO A CONTRACT FOR DEED IN MN,BUT I'M MARRIED AND JUST SEPARATED.NOT LEGALLY THOUGH BUT DO I NEED TO BE?
According to my knowledge if you are married and buy a home, it will belong to your spouse too. Both are owners.
Then, if you divorce, your spouse will owned that property too and wil ... more
0 votes Share Flag Thu Oct 15, 2009 Home Buying in 55106
Fred Griffin, Real Estate Pro in Tallahassee, FL
Fred Griffin answered:
I found a house that I want to buy. The sellers realitor does not want to take our offer to the seller. What do you do. I'm willing to pay full
In many states, Real Estate Agents are required by Law to present any Reasonable Offer to the Seller, unless instructed otherwise in writing by that Seller. Failure to present Offers m ... more
0 votes Share Flag Sun Sep 27, 2009 Home Buying in 55118
Teddy Jagess…, Real Estate Pro in Wellington, FL
Teddy Jagessar answered:
What is a Short Sale?
When a lender is willing to allow the sale of a house for less than the mortgage absorbing the loss
0 votes Share Flag Thu Jan 2, 2014 Home Buying in 55124
B, Home Owner in Minneapolis, MN
B answered:
OK to offer $39,000 less than current asking price?
Your offer could be rejected or counter.
What price does yoru Reator think the property is worth?
Ussually listing price is close to sell price. Request from your Realtor a CMA base ... more
0 votes Share Flag Fri Oct 2, 2009 Home Buying in Saint Paul
B, Home Owner in Minneapolis, MN
B answered:
Safety and future of Dayton's Bluff?
Hi, there is alot going to on that neigborhood.
For example:
http://www.livemsp.org/pohlad-foundation-homebuyer-assistance-program-for-homes-in-zip-code-55106
Pohland Fundation.
h ... more
0 votes Share Flag Wed Jan 6, 2010 Home Buying in Saint Paul
Stacey Wyatt, Real Estate Pro in Marietta, GA
Stacey Wyatt answered:
Do I qualify for the 8000 first time home credit if I was on the title of a house with a friend but never filed any tax returns claiming tax credit?
Heidi,

My gut says that you would not qualify since you were on Title, but definitely a question that would be best suited for a Real Estate Attorney or your CPA.
0 votes Share Flag Tue Oct 6, 2009 Home Buying in Saint Paul
Kim M. Eisen, Real Estate Pro in Inver Grove Heights,...
Kim M. Eisen answered:
I bought a home in an estate sale. A few months later the title company sent me the a notarized copy of the last will and testament of the previous
I would call them and ask them why they sent it to you. It does seem odd, but they may have inadvertantly sent it to you rather than 'back' to the estate trustee. Worth a ca ... more
0 votes Share Flag Tue Sep 8, 2009 Home Buying in 55123
Gary Meek, Real Estate Pro in Roseville, CA
Gary Meek answered:
If a room has one wall open to the living room but can be seperated by a sliding room divider, is it a bdrm?
It is only a bedroom if it can be closed off, and it has a closet.
0 votes Share Flag Wed Aug 12, 2009 Home Buying in 55119
Grace Morioka…, Real Estate Pro in Sunnyvale, CA
Grace Morioka (408-426-1616) answered:
Do lenders ever check the financial condition of a condominium when approving a loan?
Hello Im2cynical and thanks for your question.

Prior to funding the loan, the lender will contact the Homeowners Association's Board of Directors or management company and will reque ... more
0 votes Share Flag Wed Jul 29, 2009 Financing in Saint Paul
Cameron Piper, Real Estate Pro in Minnesota
Cameron Piper answered:
we are a licensed and bonded good background 20 year in buss looking for some clean outs and haul outs
Lenny,

I wish you the best of luck in your business. However, you might want to check out the Community Guidelines - advertisement are generally frowned upon here.

http://www.tru ... more
0 votes Share Flag Sun Jul 26, 2009 Market Conditions in Saint Paul
Cameron Piper, Real Estate Pro in Minnesota
Cameron Piper answered:
Notice to vacate after lease is expired
Craftychick,

At the end of the lease contract, when you didn't sign a new lease, your rental agreement turned into what is know as a tenancy at will. You can read about a tenancy at ... more
0 votes Share Flag Tue Jul 21, 2009 Rental Basics in 55116
Dan Swanson, Real Estate Pro in Burnsville, MN
Dan Swanson answered:
should a home seller offer a flooring allowance on a finished lower level of a home ? or try picking out
We have been through this discussion with a number of our Sellers. In this market, allowances are not as compelling as offering the prospective Buyer a turn-key, contemporary home. Pl ... more
0 votes Share Flag Sun Nov 24, 2013 Home Selling in 55124
Cameron Piper, Real Estate Pro in Minnesota
Cameron Piper answered:
What health problems do black or white mold cause in a basement, even if its cleaned, painted & recarpeted?
Irene,

I don't know that real estate agents are really qualified to answer your question. Hopefully there will be a medical doctor out there who sees your question and can answer it ... more
0 votes Share Flag Sat Mar 24, 2012 Home Buying in 55118
Darwin, Other/Just Looking in Edina, MN
Darwin answered:
Home in Mac/Groveland area - listing price is $219 and was dropped to $214..should I take it or counter offer?
Have this discussion with your REALTOR representative. He or She will guide you to the best price and value for the home.
0 votes Share Flag Fri Jun 5, 2009 Home Buying in Saint Paul
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