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Haverhill : Real Estate Advice

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  • Local Info12
  • Home Buying22
  • Home Selling0
  • Market Conditions4

Activity 68
Tue Jun 20, 2017
Datbtflgrl asked:
Tue May 16, 2017
Geoffrey Boyd answered:
Rudy,
Thanks for the response. I work for a nationwide mortgage bank and have been in the bsiness for over 20 years (and still having a great time!) The 43% that you reference is related to manually underwritten files, not AU files. If LP or DU accepts the file, it is done as long as the underwriter can validate the data. That being said, some lenders have overlays that limit them to a specific DTI regardless of findings. This is an investor issue and will vary from lender to lender, but is not an FHA standard. In fact, if you are having problems closing FHA loans with DTIs above 43%, please let me know. I am sure that we have an office nearby that would love to have you on their team. :-) Again, my comments regarding the banker vs broker was related to getting more flexibility (in some areas) with a mortgage bank as opposed to a commercial bank. Anyway, thanks for the great comments and perspective. ... more
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Thu Apr 27, 2017
Kenneth Doucette answered:
Sun Mar 12, 2017
Evan Lawrence answered:
I have found that if your filter returns no results, it will automatically include some "recommended" results which may not match your filter. Try zooming out or changing your filter.

-Hope this helps!
... more
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Fri Mar 10, 2017
Nathanmceleney answered:
I live on Washington St. (lower numbers) and crime definitely exists here.
I have personally witnessed fights almost nightly outside my building during the summer after the bars close, I have had a chained up Vespa scooter stolen from me about a year ago, and there was a homicide on River St (not too far away from here) about 4 years ago when I first moved to Haverhill which was a drug deal gone wrong. Helicopters in the air, and emergency vehicles everywhere.
If you're looking to stay away from criminal behavior, try Bradford or Georgetown. It's still close, but safer and quieter.
If you're anywhere near downtown Haverhill, there WILL be disturbances, and it may involve you.
... more
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Fri Mar 10, 2017
Bill Comeau asked:
Wed Sep 21, 2016
Jen Digianvittorio asked:
Hi I'm looking for a year round rental on the north shore MA or southern NH. I have a small well behaved dog and am fully employed. Hoping for SF, duplex or cottage with a small deck…
0 votes 0 Answers Share Flag
Mon Dec 21, 2015
Christine Moran Realtor & Notary answered:
You can always put a housing wanted ad on craigslist. You price range what you are looking for your situation. ect. Someone may find you
0 votes 2 answers Share Flag
Tue Nov 24, 2015
Angela Classen answered:
Were working with a lender, the broker was positive we were golden. Now all of a sudden the UW is requesting a million other things, after inspection, appraisal etc. have all been paid for. Needless to say I'm worried their going to deny it a week before projected closing.

Main reason is DTI, were looking into a FHA income 2013 $47k, 2014 $59k and YTD at $59 so projected about $65 by year end. Reccuring monthly debts are a bit under $1k (my wifes car payment is killing my DTI @ $718 but her APR would have been 18.9%) She will not be on the loan due to a messy past divorce.

My GFE on the home is showing a $1,600 payment @ 4.5% including everything, PMI, Principal, Interest, Taxes and HOA Bringing me to 52% DTI. Median Score I believe is 649

Do I have any hope? If so how quick is a FHA able to be processed?
... more
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Sat Sep 12, 2015
Jen Digianvittorio asked:
Looking for a dog friendly rental in or around Haverhill MA. Looking to keep it around 900 per month, possibly more if some utilities are included. Hoping to have parking & laundry in…
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Fri Jul 24, 2015
Melanie Glennon Williams answered:
Fri Jul 24, 2015
Melanie Glennon Williams asked:
I am looking for 2-3 bed in Haverhill/Bradford. I have a 8 yr old Neutered Boxer. Up to date on rabbies dog License. 14 yr old son a 9 yr old daughter. I work at Massachusetts General…
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Tue Oct 21, 2014
mkirchmaier answered:
Sign up free on creditkarma.com if you have anthing in collections call them and make it right
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Wed Jun 11, 2014
Sampham6987 answered:
Growing up in haverhill some nicer areas are east broadway, further up off of broadway (past target), ward hill, Bradford (more towards Salem St), and off of Kenoza ave past Lawrence street, and the "aves" past 11th are normally nice. Stay away from the high street area, lower aves, and cedar street. ... more
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Tue Jun 3, 2014
Anna M Brocco answered:
Be mindful that average days does vary by exact location, pricing, size, condition, etc., so rather than focusing on such information, review a cma with your agent, comparative market analysis; see what the data suggests and go from there. ... more
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Thu Apr 24, 2014
answered:
That seems like a tall order. Did you have a lender run it through the automated underwriting system yet? Did they get an approve but their lending guidelines cap you out at a lower number? If you were denied via automated underwriting, everyone else will get the same result, with the same input.

Maybe you can add a co-borrower?
... more
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