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Saint Louis : Real Estate Advice

  • All566
  • Local Info49
  • Home Buying182
  • Home Selling38
  • Market Conditions20

Activity 581
Thu Jul 13, 2017
mathew chandler asked:
Wed Jul 12, 2017
Pam answered:
I am going thru the same issue and I am having issues getting approved for a $146,000 mortgage even with a 800 FICA score, $4000 a month income, low debt of $483 a month, 29 yr mortgage with no late payments, and excellent income for the past 18 mos. My 2015 was low due to the fact I didn't have to work to meet my debt obligations and now I am paying the price. ... more
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Thu Jun 15, 2017
Michelle Cecala asked:
Fri Jun 9, 2017
Jessica asked:
I listed a room for rent on Trulia. However, I have been contacted by individuals who have seen the listed on HotPads. I would like to know how I can removed the listing from HotPads as…
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Thu Jun 1, 2017
John Burke answered:
Hi Dreux_perkins,

The short answer is yes, you are able to get another VA home loan.

The long answer is it depends on whether or not you have enough entitlement left.
For example: If your previous VA home loan was for $150,000 you have used $37,500 of your entitlement. Your remaining entitlement will be based on the VA county loan limit which in most counties is $424,100. Using the example above here is how we figure out how much entitlement you have left.

Starting with the VA county loan limit of $424,100 and multiply that by 25% to get your total entitlement = $106,025.00. Now subtract the entitlement that was used on the first home to figure out how much you have left. $106,025 - $37,500 = $68,525. Now take the available entitlement by to get your maximum loan amount without putting money down.
So it would look like this: $68,525 * 4 = $274,100.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
jburke@gpbankTX.net
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115
(877)228-9069
NMLS# 787231
http://www.trulia.com/mortgage-lender-profile/MTG%20Banker/#reviews
... more
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Thu May 25, 2017
Maricris A answered:
Hello,

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

Regards,

Maricris
Consumer Care Advocate
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Tue May 16, 2017
Maria Avalos answered:
Hi. I am a tenant finder that works with landlords/property managers and have some rentals available. Check me out at: https://www.zillow.com/profile/STL-Tenant-FInder/
0 votes 2 answers Share Flag
Fri May 12, 2017
J. Harris answered:
Under the new Loan Disclosure rules, a Lender cannot increase closing costs they did not initially disclose unless there is a bona fide change of circumstance.

The Consumer Financial Protection Bureau is VERY clear on this...

https://www.consumerfinance.gov/askcfpb/172/can-my-final-mortgage-costs-increase-from-what-was-on-my-Loan-Estimate.html

Speak to the Director of Operations or who ever is in charge at the lender and let them know you UNDERSTAND your protections under the CFPB rules.

Let them know you are about to click the blue link in the top left of the above CFPB page that says "Submit a Complaint" AND SEE HOW FAST THEY WAIVE THAT ADDITIONAL COST....
... more
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Thu May 4, 2017
Adam Hull answered:
A good real estate attorney could help you draw up the documents to protect yourself in that instance. I've worked with an attorney I'd be glad to recommend to you; let me know if you're interested

Adam Hull
Wintrust Mortgage
314-447-7128
ahull@wintrustmortgage.com
... more
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Thu May 4, 2017
Adam Hull answered:
I know an agent who would be able to send you more complete STL condo listings than the ones you see on Trulia/Zillow. If you'd like their information, let me know

Adam Hull
314-447-7128
ahull@wintrustmortgage.com
... more
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Thu May 4, 2017
Adam Hull answered:
Hey Ramo,
I'm a lender in St Louis and would be glad to look over your information and see if we could help. There are a number of different options in a situation like the one you're describing.

Adam Hull
314-447-7128
ahull@wintrustmortgage.com
... more
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Thu May 4, 2017
Adam Hull answered:
Hey Kesh,
Each lender will have different standards and regulations. It sounds like your current one may be rather strict. I'd need to know more but I'd love to see if we could remove that condition.

Let me know if I can help.

Adam Hull
Wintrust Mortgage
314-447-7128
... more
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Thu May 4, 2017
Adam Hull answered:
Hi Robert,
The short answer is "it depends". You can offer to buy a house contingent on your house selling. Then you can take the money you got from your home sale and use that as a down payment. In the current STL market, you will likely have no problem selling your house quickly and getting a healthy profit perfect for your next down payment.

Let me know if I can help further,
Adam Hull
Text or call me at 314-447-7128
ahull@wintrustmortgage.com
... more
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Sat Apr 29, 2017
Kesh5986 asked:
I have been asked to pay off a couple of collections at or prior to closing. Can I use a credit card to pay off these collections?
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Tue Mar 21, 2017
Scott asked:
I'm a real estate appraiser with 15 years of experience in four different states and I've written a blog post that I know will help your readers. 9 Things Your Real Estate Appraiser…
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