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Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
What is the debt-to-income ratio for FHA loans?
Hello Jon,

43%.

Check out http://www.fha.com/fha_requirements_debt

Hope this helps,

Irina Karan
IrinaKaran@gmail.com
Beachfront Realty, Inc.
0 votes Share Flag Thu Mar 20, 2014 Home Buying in Lower Pacific Heights
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Are FHA loans assumable?
Yes they are and they will be a HOT item in a few years when rates are 5-7% and you have a fixed FHA at 4% or less.
0 votes Share Flag Mon Mar 11, 2013 Home Buying in San Francisco
Todd Akes &a…, Real Estate Pro in Henderson, NV
Todd Akes & Sal Martines answered:
How do I choose the best loan program for me, what factors do I consider?
Sean,
The choice is dictated by your current financial position and your game plan. I prefer to put down the largest down payment you are comfortable making. It will get you into b ... more
0 votes Share Flag Fri Mar 22, 2013 Home Buying in San Francisco
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
How can the FHA help me buy a home?
They just allow you to put down 3.5% on a loan. It is better than a conventional that requires 10-20%.
0 votes Share Flag Mon Mar 11, 2013 Home Buying in San Francisco
Matthew A. B…, Real Estate Pro in Glendora, CA
Matthew A. Bartlett answered:
Hello, I'm thinking of putting my property on the market but was wondering what is the real estate agent commission rate?
Hi Kismet356,

Commission rate is negotiable. That being said, do not think that the cheapest Agent is necessarily the best Agent for you. Always remember you get what you pay for. Go ... more
0 votes Share Flag Thu May 2, 2013 Home Selling in San Francisco
Helen Yuen, Real Estate Pro in San Francisco, CA
Helen Yuen answered:
What kind of rules exist for handicap tenants who live in a city with old buildings that do not have modern amenities?
Under the Americans with Disabilities Act of 1990 (ADA), businesses and certain government buildings are required to take steps to make their buildings accessible to those who are handi ... more
0 votes Share Flag Wed Apr 10, 2013 Rental Basics in Cow Hollow
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
Is being a landlord considered a full-time job?
It depends on how much time you put into managing properties. I have some clients who can manage their properties on just an hour a month.

Otherwise, if you're going by IRS defini ... more
0 votes Share Flag Wed Apr 10, 2013 Rental Basics in Pacific Heights
Steve West, Real Estate Pro in San Francisco, CA
Steve West answered:
Is buying a condo possible with a 180k budget?
You are dead on with being under budget in San Francisco. Unfortunately you will probably not find anything you like in Berkley or near Lake Merritt for that price. If something does ... more
0 votes Share Flag Thu Mar 7, 2013 Home Buying in San Francisco
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
Is it better to be above or below the average income of your community?
With all due respect, I think this is a foolish/ trick question. If you are above, is that supposed to make you feel less of a person and if it's lower, is it to make you feel good that ... more
0 votes Share Flag Mon Feb 25, 2013 In My Neighborhood in San Francisco
Helen Yuen, Real Estate Pro in San Francisco, CA
Helen Yuen answered:
Public transportation
!7th Street and Market is has both Bart and Muni subway station - CASTRO STREET STATION.
Muni buses also available - call (415) 673-MUNI for your destination and trip planning.
0 votes Share Flag Sun Feb 24, 2013 Market Conditions in Buena Vista Park and Dolores Park
Kevin Ho, Real Estate Pro in 94110
Kevin Ho answered:
I would like to know if the neighborhood is doggie friendly? Does the neighborhood have dog parks and services such as grooming nearby?
Most neighborhoods have a dog park or dog run. In fact, San Francisco you may think dogs are more common than kids. In your area while it's a little more urban jungle like there are sma ... more
0 votes Share Flag Thu Mar 14, 2013 Home Buying in South Beach
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
What should we do? Can we have back the deposit if we don't want the house?
Hi Carinna.yeh,

Read your purchase contract for contingencies. If you have contingencies that are still in effect (you haven't removed them in writing), you should be able to cancel ... more
0 votes Share Flag Thu Oct 31, 2013 Home Buying in 94110
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
S.F. Leases - If I terminate a lease 4 mo's early, do I owe a Lease Commission fee to the rental company? If so, how much is this?
Without knowing your lease, it's very hard to say. What do the terms say?

Tap
www.DavidTapper.com
www.TeamTapper.com
0 votes Share Flag Sat Feb 23, 2013 Rental Basics in San Francisco
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Anyone know what basis is used for determining the replacement value of a 3 unit Edwardian condo?
I would think that it would depend on the Insurance Company:
Both ways:
Some companies will reinburse the value at some previous date, (when the policy was written), and some will esc ... more
0 votes Share Flag Fri Feb 22, 2013 Home Insurance in 94117
Lizete Santos, Real Estate Pro in 94105
Lizete Santos answered:
How far fro Caltrain Station?
Hello,

You'll probably have to take muni and/or the metro (unless you intend to bike) which will probably be approximately 45 minutes from this location to the cal train station.
... more
0 votes Share Flag Fri Feb 22, 2013 Traffic & Public Transportation in Laurel Heights
Laura Coffey, Real Estate Pro in Valencia, CA
Laura Coffey answered:
I've emailed multiple listing and have not received responses. (nothing in spam) How do I get those with property to rent to respond to me?
Most Realtors don't deal with rentals. I would contact someone that specializes in rentals. You can hire someone and typically the Landlord pays their fee for finding a qualified t ... more
0 votes Share Flag Wed Mar 27, 2013 Rentals in San Francisco
John Souerbry, Real Estate Pro in Palo Alto, CA
John Souerbry answered:
If an apartment has been vacant for 2 weeks and a prospective tenant isn't ready to start the lease for another month, should I negotiate the
It's common that new tenants will move in at least 30 days out if they are required to give 30 days notice to their present landlord. You may want to offer a reduced rate for the first ... more
0 votes Share Flag Wed Feb 20, 2013 Rentals in San Francisco
Jed Lane; Fog…, Real Estate Pro in San Francisco, CA
Jed Lane; Fog City Guide answered:
Where in San Francisco is it possible to park overnight without a street parking permit?
There are many neighborhoods that don't have permits. Miraloma Park is one. The city probably has a map on the SFMTA web site.
0 votes Share Flag Tue Feb 19, 2013 Traffic & Public Transportation in San Francisco
Jed Lane; Fog…, Real Estate Pro in San Francisco, CA
Jed Lane; Fog City Guide answered:
Bidding War Strategy: what is the best approach to winning a real estate bidding war?
The most effective is blow everyone else away! Is that the "best"? That would be up to the buyer.
0 votes Share Flag Sat Oct 26, 2013 Home Buying in Outer Sunset
Anne Lawrence, Real Estate Pro in San Francisco, CA
Anne Lawrence answered:
Who pays for the marketing budget when selling a property?
The listing broker is expected to market the property including the price of photos and flyers. An owner can be expected to pay for staging and needed upgrades.

ANNE LAWRENCE
0 votes Share Flag Wed Feb 20, 2013 Home Selling in San Francisco
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