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All Locations : Nationwide Real Estate Advice

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Activity 486,727
A few minutes ago
Plymouth145 answered:
Why?what made you say that ?because it smell bad ?
1 refer to some on fart or take a dumb !!!lol
2 people die at home or hospital all the time ,did they get rid of the bed ,room ,or hospital No lol.
Did you see some one walk around at night in your house
If you do ask them "what the next lotto number coming up next week, play it ,hope you win get the hell out and built the house of you dream .made sure hire a big construction co.and check the land made sure not near a somatery OK good luck .
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-2 votes 157 answers Share Flag
A few minutes ago
Alan May answered:
Unlikely. Paranormal activity is not a "disclosable" requirement.
0 votes 1 answer Share Flag
A few minutes ago
Unspecified asked:
I lived in South Florida for 5 years, a year ago I moved to NJ and hate it... I want to move back to Florida but def dont want to rent. I would like to buy an apt 2/2 and on Trulia I have…
0 votes 0 Answers Share Flag
A few minutes ago
Fastbreakplayer answered:
The number and percentage of forclosures in the area you are considering is a good indicator of whether the homes in the area are generally over priced, under priced, or correctly priced also taking in account the money the people living in those areas have to cover their housing expenses. For example, there are 5529 homes for sale in Tampa today. Of these 1833 (33%) are forclosures. In contrast, there are 1504 homes for sale in Boston. Of these 222 (12%) are forclosures. Finally, there are 1833 homes for sale in Seattle. Of these, amazingly only 2 (0.1%) are forclosures. To me, this means the Tampa housing market in general is greatly overpriced, whereas Seattle is greatly underpriced. Spokane has 2002 houses for sale. Of these 414 (21%) are forclosures. Spokane is therefore overpriced but not as bad as the Tampa housing market. ... more
0 votes 23 answers Share Flag
A few minutes ago
Dmstephens68 asked:
A few minutes ago
Kathy Burgreen answered:
Sheryl did not answer your question regarding marrying somebody to qualify. The issue is yes you can marry somebody under 55 BUT will your new spouse ALLOW you to use their income to qualify you for a loan? Another issue is their credit. In order to qualify for a loan, lenders will use BOTH of your incomes AND BOTH of your credit scores. You cannot choose 1 person's income and choose the other person's credit score. It doesn't work this way.

If you cannot buy this mobile home, no big deal. Your life will move forward and you will have opportunities later on hopefully.
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0 votes 2 answers Share Flag
A few minutes ago
Ben Goodman asked:
Went to SearchBug, printed out a list of cities within 50 miles of work, sorted by distance. Trulia does not show the name of the city in their photos, even though they have this information.…
0 votes 0 Answers Share Flag
A few minutes ago
Rich Reed answered:
Generally, property is sold (transferred) through an escrow and all persons on title (owners) must sign the transfer documents. The money is received by the escrow company and distributed to the sellers according to their equity. Your particular situation may be different and you may wish to obtain legal counsel. Hope this helps! ... more
0 votes 2 answers Share Flag
A few minutes ago
Kathy Burgreen answered:
Your budget is too low. You need at least $1500. For a 1 bedroom. You could try the South Bronx, Parkchester, Fordham Rd, Kingsbridge Rd, Gun Hill Rd, White Plains Rd. By 240th St., etc. ... more
0 votes 1 answer Share Flag
A few minutes ago
Kathy Burgreen answered:
Do you have your own realtor working to represent you OR are you working with the builder directly and working with their sales rep and their lender? Is the lender part of the builder's team or is this your own lender?

As a former realtor, it sounds like you made a HUGE mistake. At this point, there isn't much you can do and it looks like you're stuck with paying $10K + 50% for upgrades. The issue is did you sign a contract already or not. Did the lender pre approve you? If you did not sign a contract, count your blessings and walk out NOW. If you did sign a contract, I'm sorry but you're stuck.

What should have happened was you were supposed to interview and select your own realtor who would have accompanied you on your 1st visit and would have negotiated the upgrades and earnest money. Your realtor could have given you the upgrades for free or at a much lower price than what you are paying. Also if you had interviewed and selected your own lender, you would have received lower interest rates and lower fees. I'm real curious how your lender gave you 100% financing. Are you a military veteran? Are you buying in a rural area? If not, is this lender giving you 100% financing but charging you higher interest rates and fees? Is the lender including the down payment with the financing?

Good Luck.
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0 votes 1 answer Share Flag
A few hours ago
Kathy Burgreen answered:
Realtors cannot answer your question because it violates Federal and State Fair Housing laws. You need to research everything on your own. In addition to Sheryl's links, visit the Census Bureau's website (census.gov). You also need to walk & drive the neighborhoods at different times of the day; speak to parents dropping off or picking up their children at public schools (they will tell you what it's like to live there); speak to parents at playgrounds & parks (at this time of year - perhaps a Little League or soccer game), etc. Finally visit the local police department and ask their opinion. ... more
0 votes 2 answers Share Flag
A few hours ago
Amedina answered:
How can apply for bloomfield tech, in bloomfield, high school
0 votes 2 answers Share Flag
A few hours ago
Geegee6285 asked:
Due to serious health issues 2 outside sources of living help with rent & parents contributing for nice listing. We still have to move between hotels and subleases.
0 votes 0 Answers Share Flag
A few hours ago
Donald D. Hensel answered:
203k loans come with strings attached and your situation may not fit their criteria. A hard money lender may be an option. http://www.northcoastfinancialinc.com/hard-money-lenders-california/santa-barbara-county-hard-money-lenders-loans/

It may even be a little difficult to find a hard money lender willing to provide a loan on a property in the middle of construction.
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1 vote 5 answers Share Flag
A few hours ago
Donald D. Hensel answered:
This is a common type of loan for a hard money lender to fund.
http://www.northcoastfinancialinc.com/hard-money-lenders-california/santa-barbara-county-hard-money-lenders-loans/

You will pay a higher interest rate but the application process is faster and easier and your refinance loan will close within a couple weeks. A bank would take much longer, if they are even able to provide you with the loan you need. ... more
1 vote 6 answers Share Flag
A few hours ago
Donald D. Hensel answered:
Many banks do not want to lend to foreign nationals but many hard money lenders will.
http://www.northcoastfinancialinc.com/hard-money-lenders-california/long-beach-hard-money-lenders-loans/

Hard money lenders are also able to look past other issues such as lack of or poor credit as long as the borrower is able to provide a sizable down payment (30%+).
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1 vote 9 answers Share Flag
A few hours ago
R2_consulting answered:
You can achieve the 3.55% interest rate and save the $990 by just paying more than the due principle every month. You don't need any fees or costs to do it.
0 votes 11 answers Share Flag
A few hours ago
Donald D. Hensel answered:
Stated income loans are no longer available for owner occupied property. They are only available for investment property now.
http://www.northcoastfinancialinc.com/hard-money-lenders-california/los-angeles-hard-money-lenders-loans/

All lenders must verify the borrower's income and ensure they are able qualify with a reasonable debt to income ratio.

Not even hard money lenders are able to get around the current regulations.
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1 vote 31 answers Share Flag
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