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All Locations : Nationwide Real Estate Advice

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  • Home Buying265K
  • Home Selling46K
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Activity 505,878
A moment ago
Jamie.lynn231990 asked:
I am a single parent, I have already lived in housing (low income) which isnt really all that low. I would like to find someone who whould work with me in renting to own a home. I have a…
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A few hours ago
Shawn carnes asked:
Long story short owner bought the house and gutted it for a full remodel. Purchase will be done via land contract. What expenses should I expect once I pay it off and get the deed. First…
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A few hours ago
Robert Spinosa answered:
Yes, you can use gift funds for your down payment on a conventional loan, and many of our investors will permit your gift to constitute 100% of your down payment (others require a 5% minimum contribution from the borrowers' own funds). A gift must be from a family member and the guidelines for conventional/conforming are a bit more restrictive than FHA in this regard.

Another question that often comes up here in California is, "How much can a donor gift without having tax implications?" The answer is that the IRS annual exemption is currently at $14K per person but will increase to $15K in 2018. Since I'm writing this in December, know that a donor can gift $14K this December and then another $15K in January and all of that would fall under the annual exemption(s).

Once in jumbo loan territory, it is more common to see investors requiring at least 5% of a borrower's money in the transaction when gift funds are involved, but let me know if any questions.
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A few hours ago
Uokes1 answered:
I am very familiar with the entire process. I assist individuals in retrieving surplus funds. I can be reached at 609 596-2661 at anytime and I can be found on Utube...presenting my trade. look up (foreclosure surplus Wali Hamani). Give me a call. ... more
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A few hours ago
Kathy Burgreen answered:
Until recently realtors who represented buyers accepted the co broker commission fee paid by the seller. This meant buyers did not have to pay anything to their realtor and working with a buyers agent was free.
Fast forward to today and many buyers agents are looking to recoup money lost during the recession and post recession. Buyers agents are stating in their contract that the buyer will pay a partial commission fee to use the agent's services. This could be written in the contract as a percentage or a specific dollar amount. The question is if you read the contract before you signed it or if the agent explained the contract to you before you signed it - especially about payment of the commission. If nothing was explained to you, you need to contact the Office Manager or Broker in Charge.

As for terminating the contract, individual agents don't have the authority to do this. Only the Office Manager or Broker in Charge has the authority to cancel your contract.
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A few hours ago
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A few hours ago
Mikschmick asked:
A few hours ago
Joann_jones79 asked:
Don't see any photos of kitchen. Where is 400 sq.ft. garage? Is chain link fence around entire property? Is fireplace woodburning or gas? When was it last lived in / rented ? Is cooling…
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A few hours ago
Jlstanislawski asked:
We are moving from Minnesota and would love locals view on the area as well as things nearby we should do or see. Any recommendations for vetinary, family doctors, etc would be appreciated.
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Earlier today
Brandimcguire17 asked:
Earlier today
Michelle Lane answered:
Every agent is a business owner and decides for themselves what makes sense to help their clients homes sell quickly and for top dollar. It is amazing how many people will not spend any money for even fresh towels and bedding to make their home look good for photography and showings. So, when warranted, I do light staging for my clients as I carry an inventory of bedding, lamps, decor, pictures, rugs, etc. It is so important for the rooms to look good in the photography as that is how buyers make their decisions on which houses to go see. It does matter to me if my clients' homes sell quickly and for top dollar. Contrary to the disparaging remarks people make here about Realtors, I do care about the outcome for my clients. And staging also helps me to do my job more efficiently. But that is a business choice I have made. Many agents don't have the inventory or a place to store their staging inventory so cannot offer to this service.

To rent a houseful of furniture to stage an empty house could cost thousands - sometimes even more than an agent makes in commission on the sale, so that level of staging would be cost prohibitive for an agent to absorb the cost.
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Earlier today
Jenna Strauss asked:
Delete this now!!!! We purchased this house from HUD 4 years ago. Update your info now please.
I don't not appreciate your picture that's a year old with no record of our purchase.…
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Earlier today
Cathy_riser asked:
Most recently I view the listing at 115 Fabarm Ln, New Braunfels, TX. The map with the listing shows location to be near downtown, but in reality, it is quite far on the other side of town…
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