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Home Buying in Drexel Hill : Real Estate Advice

  • All72
  • Local Info10
  • Home Buying28
  • Home Selling0
  • Market Conditions4

Activity 36
Wed Jul 5, 2017
Casmuirlong answered:
Hello Mrs. Powell,
First let me say that there are parts of Upper Darby that are more like the city, for example, the Stonehurst area. Even though there are row homes and more diversity it is still much safer and cleaner than almost anywhere in philadelphia excluding Chestnut hill and the far northeast. Many of the people who make negative comments are upset because the area is becoming more diverse, about 50% white and 50% other* There is an assumption from some narrow minded people that more diverse means worse* This, I have not found to be the case. The Drexel Hill section of Upper Darby is very nice. About 75% White 25% other. The beautiful stone homes are well maintained and the neighbors are friendly. Some of my neighbors have been here for 40 years! As older people are passing away new families are moving in, upgrading the properties and starting a new generation of long time residents. Drexel hill needs people who are going to be here for a long time as the generations prior. If that is you then we want you and your family to keep this community beautiful* There are white families, an asian family, a mixed race couple and african american families who live on my street and one of my neighbors had a meet and greet for new families last fall* The elementary schools and Drexel Hill middle school are still good* the highschool may not be as good as it used to be, but I know several highschoolers that attend and have no problems there. They have a variety of AP classes and tennis, volleyball and other sports available. Yes, the taxes are higher, but, the lower home prices make up for that. The Stone homes have so much character and they just dont make homes of this quality anymore. You may have to add modern amenities, we added central air but if you love older homes you'll see the worth in it. One other person said that Upper Darby suffers from bad PR. I agree completely! I have not heard of a bit of crime since we've moved here going on 2 years. I love it! Come and drive through the Drexel hill area anytime and you will love it too. See for yourself* if you are looking for somewhere to put down roots it is a perfect inner ring suburban area. On Saturday mornings in the spring you will hear lawnmowers going and On Sunday afternoon, I hear nothing but birds chirping. In the evening people are walking their dogs. After about 8 pm it is as quiet as a mouse. Don't believe the negative reviews! Upper Darby is still ok and the Drexel Hill section of Upper Darby is great! ... more
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Sun Jul 31, 2016
Norman C Barnes Sr asked:
Everyday I hear: "Their credit score is horrible". FHA has been around a long time. Many mortgages have been generated and paid. The complaints I remember is they asked for too much…
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Thu Mar 3, 2016
Patricia Obilo asked:
I am not yet eligible to buy a home but I am hoping to do so along with my husband next year. As for now, we are looking for a beautiful rent to own home in the Drexel Holl area with a monthly…
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Mon Apr 13, 2015
Andrea Tillis answered:
I am sorry to say that if you want accurate information, you should either find the information yourself, or double check any information a broker gives you. I say this because I own a fully rented duplex in Drexel Hill, with each apartment having 2 bedrooms. And, although it is not for sale, Trulia described it as a a "single family home", containing only 2 bedrooms. That is as inaccurate a description as one can possibly make.

Andrea G. Tillis, Esquire
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Sun Feb 8, 2015
Phong Lam answered:
Hi Alex. How are you? Hope all is well. Here are some crime report websites that I provide for my buyers to check in areas that they would like to know and hope it'll help give you some guidance as well.



But I would highly recommend if and when you have time, to drive around the area throughout a couple of days on the weekdays & weekend in the morning, afternoon and evening just to see how the neighborhood is like for a better idea.

Hope this helps and if you need any assistance with your home search process, please feel free to email, text or call me. Thanks and good luck.
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Thu Nov 6, 2014
If you are looking at a home that is listed for sale, the property taxes are often listed on the Realty website. If the property is unlisted, usually it is a matter of comparing the tax assessed value with the millage rate.

Here is the Delaware Co assessment site...

Keith Landis
Pennsylvania Mortgages

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Mon Nov 3, 2014
nanmwilcox answered:
Many people like myself have lived here all our lives. Now that it's time to retire, many are looking to relocate to warmer climate and 1 floor living.
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Sun Aug 17, 2014
Andrea Tillis answered:
Hi, My name is Andrea and I am a homeowner in Drexel Hill and a real estate Attorney. I have seen the answers that you received and most of them advise against this type of arrangement. I do not totally agree with what you have been told. I believe that renting a house with the intent to purchase it at some point in the future is very smart and, in many instances, a better way to proceed because even with a one year lease, you will experience the house during all four seasons, you will have first hand information on the actual condition of the property, what the actual costs are for maintaining that property, and you will be able to make a more informed decision of whether or not you want to purchase the property.

There are many variations of "Rent to Own" agreements and while I agree that there are quite a few pitfalls that are deliberately placed in these agreements by unscrupulous landlords, you can avoid them if, before signing even the lease, you retain an Attorney who is experienced in real estate transactions to negotiate and draft the Lease and Option to Purchase Agreement for you, rather than just accept what the landlord/seller gives you. I prefer drafting my Agreements from scratch and although it takes a little longer, I am certain that my client is protected in all areas and all stages of the transaction. I draft a true "Lease with an Option to Purchase" agreement pursuant to which you, as the Lessee, pays $X dollars upon signing the Lease for the right to purchase the property at a set purchase price. The advantage of this type of agreement is that the up front payment is usually less than you would pay by way of an inflated monthly rental amount and the Agreement can provide that this "Up Front Payment" is deducted from the purchase price, in the event you exercise the option to purchase. In addition, the price of the property is already agreed upon, so that the Lessee does not pay the higher price because the property value has increased during his period of occupancy as a tenant. These Agreements which I draft have a copy of the Agreement of Sale attached to the Lease and is signed by the landlord/seller at the time that the lease is executed. In this way, the owner/Lessor cannot "hold out" for a higher price and/or better terms if you decide to exercise your option to purchase.

As with any transaction, there are good and bad Agreements, but most are more favorable to the owner/seller because the Lessee mistakenly believes that he/she does not need legal representation at that stage and will "hire a lawyer for the settlement". Unfortunately, what most buyers do not realize is that by the time they reach the settlement table, all terms have been negotiated, the agreement of sale has already been executed, and there is very little an attorney can do for the purchaser at that stage of the transaction. It is unfortunate that most buyers do not understand this concept and when they realize that the landlord/seller has pushed them up against the wall, they expect the Attorney to perform miracles. Well, I can do a lot to protect my clients' interests, but I have not reached the "performing miracles" stage (Working on it, but not quite a miracle worker, yet).

I wish you the best of luck,

Attorney at Law
Drexel Hill, PA 19026
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Sun Aug 17, 2014
Andrea Tillis answered:
"How much house" one can afford depends on several factors - (1) the amount of your down payment, (2) real estate taxes of the property, and (3) the interest rate of the mortgage loan. National economic surveys print recommendations of the percentage of an individual's monthly income can be devoted to a recurring payment without overburdening oneself with debt. For example, a car payment should not exceed 10% of an individual's monthly income, while a mortgage payment (including escrow for taxes nd insurance) should be between 25% to 35% of an individual's monthly income, etc. By following these guidelines, an individual would be less likely to feel an overwhelming financial burden and most likely be able to make the monthly payments without difficulty.

So, if you are interested in buying a home for $180,000 and your monthly income is $3,200, then your monthly payment of principal, interest, 1/12 of the property taxes and 1/12 of the premium for homeowner's insurance should be between $800 and $1,120. By using this formula, the surveys have shown that homebuyers are buying within their means, are less likely to lose their homes to mortgage foreclosure, and most likely to be approved for a mortgage loan.

Since you are a veteran, your mortgage loan would be insured by the Veterans Administration, so you are very likely to be approved for a mortgage loan. However, you want to be sure that you will be able to afford the monthly mortgage payments and not lose your house to mortgage foreclosure.

Permit me to give you a few scenarios on the monthly payments at various amounts as a down payment. Assume that the annual taxes are $3,600 and the annual premium for homeowner's insurance is $1,200. Of course, you would adjust the monthly payment when you know the actual amount of annual property taxes and the annual premium for your homeowner's insurance policy.

1. Being a veteran, you could probably purchase a home with -0- down, however, this would require you to finance the full purchase price of $180,000. At an interest rate of 3.5%, your monthly payment would be $1,208 (($808 for P&I + $300 Taxes + $100 Ins.);

2. If your down payment equaled 10% ($18,000), you would finance $162,000 of the purchase price and your monthly payment would equal $1,127.00 ($727.00 for P&I + $300 taxes + $100 Ins.);

3. If your down payment equaled 15% ($27,000), you would be financing $153,000 of the purchase price and your monthly payment would equal $1,087 ($687 for P&I + $300 taxes + $100 Ins.)

When you start looking at homes, you can do a quick calculation and immediately determine if you can comfortably afford the monthly mortgage payments on the house you decide to purchase. You want to keep in mind that although you want to purchase a home, you do not want to become a slave to the home and not be able to enjoy all the other things that life has to offer.

I hope you found this helpful and I wish you all the best of luck. Let me know if you need anything further or I can be of additional assistance,

Attorney at Law
... more
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Thu Apr 3, 2014
Jonea Price answered:
Hi there!
Give me a call at 215.910.5411 if you are ready to get started. I'm with Keller Williams and I work with a lot of investors in Delco and Philly. I'd be glad to give you a list of rehabs, but I'll need a little bit more information from you about the criteria you are seeking (size, number of bedroom, price range, etc.).

Call me anytime. Thanks, and I look forward to speaking with you soon!

-Jo Price, Esq.
Keller Williams Realty Group.
... more
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Sun Mar 23, 2014
Elwood Howard answered:
Why if you already have a home and need a second home? What are the odds?
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Mon Mar 3, 2014
Tamie Johnson answered:
Typically you would need 3 -5% down plus closing cost. Mortgage companies are offering great loan products that can get you into a home in Drexel Hill with a small down payment.
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Tue Feb 4, 2014
Good morning Danahatch815,

Rent To Own is a better deal for the Seller than it would ever be for a potential Buyer.

Key Points of Rent-To-Own:
• Portion of monthly rent payment is set aside by Landlord towards a future down payment
• Landlord/Seller locks you into a price today for a purchase tomorrow
• Forces the Tenant/Homebuyer to save towards down payment
• Tenant/Homebuyer still has to apply for a mortgage in the future to purchase the home
Rent-To-Own "forces" savings towards a down payment. Your Landlord deducts a pre-determined amount to hold in a special bank account, called an "escrow" account until you have saved up enough---through this "forced-savings" method---to meet a down payment to purchase the home.
At the end of the agreement, usually 2 to 3 years, you must apply for a mortgage loan to complete the purchase of the home. The terms of the purchase price, including the down payment amount, and the amount to be set aside from the rental for down payment, are all set down at the time of lease signing.

You can save for a down payment on your own.

If you are dedicated to the idea of buying a home, create a savings plan. When you have enough for a down payment YOU get to decide on the price you're willing to pay for a home based on market conditions.
With Rent To Own you're locked in to the house and to the price. What happens if three years from now your life situation has changed? Maybe you need a bigger/smaller home. Maybe your employment has relocated. Maybe your credit or income is insufficient to qualify for a mortgage loan.

Get Prequalified by a local Mortgage Banker. You may find you're qualified now for a mortgage loan.

Trevor Curran
NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
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Mon Feb 3, 2014
Jonea Price answered:
There are many options available to you. I'd be glad to help you get started. Contact me so that we can discuss how I can help you purchase a home. I look forward to hearing from you soon. Thanks!

Keller Williams Realty Group
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Wed Jan 15, 2014
Gwen Skalish answered:
You would have to look at the sales on the block you like and sales on the area you consider to be the bad area and see if anything has sold recently. I can help you review those figures based on the information from the MLs(multiple listing service).
Please contact me at
Gwen Skalish
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Fri Jan 10, 2014
Victoria A Mack answered:

Drexel Hill is a very nice area. There are so many reasons as to why people put their homes for sale. They could be relocating. There are also investors who purchase the homes via short sale or foreclosure, flip them, and resell them at a higher price.

To explain foreclosures, unfortunately the homeowners lost their homes via either not paying their taxes or mortgages. They also might've lost their opportunity to sell their house via short sale and abandoned their properties.

The market in Drexel Hill is moving and going on the up and up. If you have any more questions, feel free to contact me at or 267-918-6322.

Victoria Mack
The Mack Group
Keller Williams Real Estate - Media
1400 N. Providence Rd, Building II, Suite 1000
Media, PA 19063
O: 610-565-1995
C: 267-918-6322
... more
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