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Home Buying in La Crosse : Real Estate Advice

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  • Home Buying7
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Activity 8
Thu Nov 12, 2015
Josh Lund answered:
Hello Fportillo25,
Good morning.
Ok your looking in the La Crosse and Madison areas. Do you have a realtor?
Are you still in the market to buy a home? If so, I would love to see if we can help you out. We can do loans down to 600 Credit Score. We also don't need 3 trade lines like many banks require. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
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Wed Aug 13, 2014
Drew Eckelberg answered:
I'd love to help you. Feel free to contact me through my Trulia profile.
0 votes 3 answers Share Flag
Wed Jun 18, 2014
Stosh answered:
There is/was a moratorium on converting a property over to a rental. I don't know if that is still in place. If it is, then the seller may not be able to rent it.
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Tue Aug 27, 2013
ong moua answered:
A short sale in Wisconsin occurs when a lender is willing to accept less than the full mortgage pay-off. The lender agrees to an amount that is less than the outstanding mortgage (by reducing the pay-off letter) and allows the borrower's debt to be forgiven.

A property is a candidate for a short sale in Wisconsin when all liens, plus costs of sale, exceed the market value. Liens include mortgage liens, mechanics liens, tax liens, unpaid judgments, and unpaid HOA fees.

An Wisconsin short sale is a form of pre-foreclosure sale in which the mortgagee agrees to accept less than the loan amount to avoid foreclosure. The good news is that the lender pays the closing costs,commissions, title fees, and repair costs. The seller gets the home sold, the loan satisfied, avoids foreclosure and saves point deductions on their credit.

For a better quote I would get an agent, but hopefully this helps you.
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Tue Dec 11, 2012
Edward Jones answered:
Good morning Joseph,

From a realtor's standpoint, I am constantly referring clients to various lenders which I have dealt with. Ultimately, it is the client's choice whether or not to work with a lender or lenders I have suggested to them. On occassion, lenders will come to me and ask if I would be interested in working with their client(s). I never ask for anything in return from a lender because of a referral. It is part and parcel of what I do. And yes, it is highly illegal to seek compensation for referrals from a lender and conversely. Relationships are what drive any business and especially in the area of real estate and lending, whether one is working with lenders, home inspectors, wood eating/destroying specialists, title companies and so forth. And more importantly, the customer is who we need to focus on and satisfy providing we follow code of ethics and the laws which govern our professions.

Wishing you all the best in your endeavors, Joseph.

Edward Jones
Coldwell Banker River Valley Realtors
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Mon Jan 10, 2011
Debra (Debbie) Rose answered:
Happy to hear your update - you're not only dreaming big, you're doing something proactive to make it happen!

Bravo, and keep up the good work.

I have no doubt you will achieve all the goals you are setting for yourself!
Good luck with the new job and all your future plans!

Regards,
Debbie
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0 votes 17 answers Share Flag
Thu Sep 24, 2009
Judy Barr answered:
Hi Greg:
Never, never, never buy a property without a recent survey that shows the lot lines and where the improvements lie. Banks may or may not require a new survery but with probable the biggest investment you ever make have a new survey done to make sure the legal description matches up and any improvements are marked. Who pays for it can be negotiated in the offer to purchase. ... more
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