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All Locations : Nationwide Real Estate Advice

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Activity 486,462
A few minutes ago
Deborah Garvin answered:
Agree that you should only be charged the cost of appraisal and credit. There is no way, per RESPA, to charge you a cancellation fee. Also, the lender may agree to transfer the appraisal to a new lender (to my knowledge there are no rules requiring this; however, I have been successful when I absolutely had to transfer a file.

This is another example of why working with a mortgage broker is to your advantage. We have the ability to switch lenders for a multitude of reasons. Wish you the best of luck. If I can provide further clarification please reach out.

All my best,

Deborah
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A few minutes ago
Real Investor asked:
I live in New York and interested in eventually moving to Florida (exact city not yet known but likely Miami or Siesta Keys). My wife and I are looking to purchase a property to live in,…
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A few minutes ago
Natalie asked:
Looking for a nice long term rental in safe neighborhood for myself and 3 children.
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A few minutes ago
Angelica P answered:
Hi,

We display property information on Trulia to provide consumers with transparent real estate information. We receive this information from public records gathered by a third-party data collector from your county. Our mission is to empower consumers with information and tools to make smart decisions about homes, real estate and mortgages. For this reason, we do not remove public record property information from Trulia.



Thank you for using Trulia!

Angelica
Consumer Care Advocate
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A few minutes ago
Whittwinyard answered:
A few minutes ago
Angelica P answered:
Hi,

We have closed your Trulia profile as you requested.



Thank you for using Trulia!

Angelica
Consumer Care Advocate
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A few minutes ago
Mary answered:
Hi,

I am happy to help you get your listing posted on Trulia.

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

http://www.trulia.com/post-rental/

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:
https://zillowrentalmanager.zendesk.com/hc/en-us

Thank you for using Trulia!

Mary
Consumer Care Advocate
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A few minutes ago
Angelica P answered:
Hi,

Please note when you update your information, it creates an additional 'Owner Information' section as opposed to completely replacing the Public Record section. The public record section is a section that comes directly from county records, because of this we do not have a way to edit or remove this information. This data is gathered by a third-party data collector and if it is correct on your county, it will be updated on Trulia when the updated data gets sent to us. We do not have a way to expedite this process. Please be assured that your property is currently off the market right now, meaning it does not appear in the results for active listings.

When you do list your property, you or your agent will have the ability to create a new listing and submit the correct information. Once the listing is sent to Trulia, the new information will override the public record information at the top of the page and potential buyers will be able to see the correct information displayed.

We do not have an option to upload new photos of the property if it is not an active listing or for sale. Please note that if you intend to put your home on the market, you or your agent will have the ability to create a new listing and post new photos. This new listing will then override the property page with the Google image.

Hopefully this information is helpful.



Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
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A few minutes ago
ljdipersio asked:
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A few minutes ago
Deirdrecampbell asked:
A few minutes ago
Kat Gartelos asked:
A few minutes ago
Shane Milne answered:
You are correct, the scores you obtained yourself are not the same as what mortgage lenders use. There are specific credit scores that mortgage lenders use, called FICO scores. To complicate matters even further, there are various scoring models of FICO scores, and currently lenders are using EXPERIAN, FICO v2, TRANS UNION, FICO Classic 04, and EQUIFAX, BEACON 5.0 FICO. The only website where can obtain those credit scores is www.myfico.com, which I suspect you have not used yet. You already have your scores from the mortgage lender, so you should already know what your mortgage credit scores are and can talk with other lenders to find out if you are getting a competitive loan offer or not. I'd be happy to help you compare if you'd like.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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A few minutes ago
Shane Milne answered:
Hi Ray,

I'd be happy to help you out. We can go down to a 580 credit score, so you are already above our minimum... but higher scores certainly can help. Not sure where you are located, but I am in SoCal and we lend in all 50 states (including NY, where Trulia says you are from). We can have underwriting do a full review of your file before you are pre-approved, so you'll be very confident about making an offer.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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A few hours ago
Shane Milne answered:
You can gift the down payment. There can be tax implications when giving a gift to family members. I'd suggest you speak with your tax advisor so they can advise how it would impact your specific situation. In the meantime, https://turbotax.intuit.com/tax-tools/tax-tips/Tax-Planning-and-Checklists/The-Gift-Tax/INF12036.html is an article that may help you understand taxes on gifts.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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A few hours ago
Hotdog7985 asked:
A few hours ago
Rtsourcetest asked:
I'd like to be able to see what floating homes are available for sale now, and also get alerts when new ones come onto the market.
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A few hours ago
Shane Milne answered:
Hi Ampalazz,

Yes, we can potentially get you approved for a mortgage while you are in a Ch 13 BK payment plan. You'll need to have made at least 1 year of payments, all on time, and also obtain permission from the trustee (permission from the trustee comes after you are pre-approved). The payments on the Ch 13 BK will be included in your debt to income ratio to determine what you can qualify for. I help people who are in Ch 13's get mortgages quite often, so I'd be happy to help if you'd like.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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A few hours ago
Shane Milne answered:
Hi Justin,

Yes, you can use a construction loan to purchase land, construct the home, and build a swimming pool. I'd be happy to go over your options with you if you'd like.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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A few hours ago
Shane Milne answered:
I'd recommend contacting your state's USDA office and ask them who is funding construction-to-perm loans. We offer them for FHA, VA and conventional... just not USDA.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-322-3616 direct
... more
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