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All Locations : Nationwide Real Estate Advice

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Activity 483,963
A few minutes ago
Kevin Fan asked:
I'm trying to buy my first house and have a question that I've been getting conflicting answers from a number of sources. Does anyone know if I get a gift from a donor of $60,000 that the…
0 votes 0 Answers Share Flag
A few minutes ago
Kathy Burgreen answered:
As a former realtor in the NYC area, the answer is NO! The reply from Alan is wrong. The reason is if you did NOT sign a broker agreement, the agent will need proof in writing that you owe a commission. Since the agent has no written proof (no signature from you), how can the agent prove in court that you owe anything? Any agent can say they showed you a rental apartment, but it will be your word against theirs. In court, anything verbal is thrown out and a judge will want something in writing.

You scored big on this one - Congrats! If this were outside NYC, it would be nice to pay the agent a commission since there are fewer agents and less population. But in NYC, you can easily get away without paying. Most agents in NYC collect the brokers fee upfront BEFORE they show you any rentals. This way they already have your signature.
... more
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A few minutes ago
Maricris A answered:
Hi,

I sent an email to you about this concern.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
A few minutes ago
Maricris A answered:
Hi,

Pending means that the property is under contract and is in the process of closing.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
A few minutes ago
Stonysgifts answered:
How u calculate what to charge for clean out houses
0 votes 64 answers Share Flag
A few hours ago
Dwhinzmann asked:
A few hours ago
Sheryl Arndt answered:
Nowadays you may qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down. You have 3 years to wait before you can consider FHA 3.5% down from a minimum 580 fico score. You can consider conventional 4-7 years after.

You will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA or CalVet loan specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 11 answers Share Flag
A few hours ago
Maricris A answered:
Hi,

I sent an email to you about this concern.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
A few hours ago
Delaneyk7 asked:
A few hours ago
Bklehto answered:
Duffy Realty in Atlanta has a model that costs $500 up front and .0075 at closing. You then choose what you are willing to pay a buyers agent. We did 2%....so for a mere 3% we sold a home $30K above the appraised value in less than 2-months. You get the same exposure you would get from any other agent....you do have to do a bit more yourself....but on a $300K home $9K in savings is worth it! ... more
0 votes 17 answers Share Flag
A few hours ago
Maricris A answered:
Hi,

I sent an email to you about this concern.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
A few hours ago
Mary answered:
Hi,

I have emailed your egarding this concern.

Thank you for using Trulia!


Mary
Consumer Care Advocate
0 votes 1 answer Share Flag
A few hours ago
Timleonard asked:
A few hours ago
Kyong H. Kim answered:
REDX is a terrible company. They gather raw data from everywhere then patch together and say they have the product to sell. They are dangerous outfit.

Today I received call from my daughter who have been receiving calls all morning about properties for sale. I am an real estate agent. None of my listings have my daughter's number but somehow REDX linked my daughter's number to expired listings.

I called back those people who called my daughter's number. They said that they got my daughter's phone number from REDX. I called REDX and asked how they got my daughter's number. They did not answer my question but they said they will remove her number from their database.

This company is dangerous!! Never use their data because it is not accurate nor do they care how they are gathering data. Save your money!
... more
0 votes 50 answers Share Flag
A few hours ago
Maricris A answered:
Hi,

Pending means that the property is under contract and is in the process of closing.

Regards,

Maricris
Consumer Care advocate
0 votes 1 answer Share Flag
A few hours ago
Maricris A answered:
Hi,

You have been unsubscribed from our email distribution list. Please allow up to 1 week for this change to take effect. Please note that when we unsubscribe your email, you will no longer receive any emails from our site.

Regards,

Maricris
Consumer Care advocate
... more
0 votes 1 answer Share Flag
A few hours ago
Shilen_pate asked:
We want to refinance our condo, which was going well until the appraisal MLS search listed "pending litigation" which stopped the process. The HOA filed notice against a contractor…
0 votes 0 Answers Share Flag
A few hours ago
Sheryl Arndt answered:
Hello Emanahmed, absolutely not as there are to many scams out there these days for rentals.

Beware of the many rental scams out there these days on all sites. The scams are on all of the rental listing sites except one that us agents/broker use such as mls, multiple listing service.

You should not give anyone any funds or personal information without confirming with a licensed agent/broker or management company to find out whom you should be dealing with and the status of any address of interest.

The rentals in 91205 zip code start from $1,495 for 1bd 1ba apt, from $1,900 for 2bd 1ba condo and the single family homes start from $3,300 for 3bd 3ba house. You may qualify to buy with minimum out of pocket expenses and pay less than rent in local neighboring cities.

The purchase in 91205 zip code starts from 309k for 1bd 1ba condo, from 409k for 2bd 2.5ba condo, from 469k for 3bd 2ba condo and the single family homes start from 500k for 2bd 1ba home.

You should study RENT vs BUY options as you may qualify to buy and pay less than rent in many local cities. You may qualify to buy with minimum out of pocket expenses and pay less than rent.

If you decide you want to buy you will need to be pre-approved to be able to meet an agent to view and submit offers on any homes of your choice. You will need to gather some documentation for each applicant.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You could consider a down payment assistance program such as CalHFA or Sapphire Grant which can cover your down payment and closing costs. You may close with minimal out of pocket expenses. You may consider the CalHFA from a minimum 640 fico score and the Sapphire Grant from a minimum 620 fico score up to 424k.

You may qualify FHA from fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down up to 424k. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI) up to 424k.

You may consider 5% down Jumbo with a minimum 720 fico score from 424k up to 1.5 million and 10% down from a minimum 680 fico score and up to 2.5 million. You will need 20% down to purchase over 2.5 million.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve any agent can email listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates.

If you have had fraud committed against you or know of any one who has you can contact the FBI fraud hotline and they will investigate and prosecute.
FBI Internet Fraud Division http://www.ic3.gov/default.aspx

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
REO and Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 2 answers Share Flag
A few hours ago
Molly Fogal asked:
My husband and I need a hard money loan to purchase a primary residence in East TX. The loan amount is $36,000 we wish to finance 5-7 years The house we want is a livable fixer on 3/4 acre…
0 votes 0 Answers Share Flag
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