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Home Buying in Cibolo : Real Estate Advice

  • All57
  • Local Info2
  • Home Buying12
  • Home Selling4
  • Market Conditions3

Activity 16
Wed Mar 15, 2017
Benjy Edmond asked:
I have a renter in my house and was wondering do we need to have a renter in my wife's house before we could get a 3rd mortgage?
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Fri Jan 27, 2017
Skittlebits1 asked:
I started this job 18mths ago and have had consistent overtime. I was approved for a VA loan, but it did not factor my OT income, so it is small.
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Wed Aug 12, 2015
Matt answered:
We offer standard FHA & VA financing down to a 580 credit score without investor overlays, and close the average file well within 30 days. All processing and underwriting is done in office, communication is impeccable. Feel free to check out my Zillow profile below, and let me know if I can be of assistance:
Matt Schwartz
NMLS# 151017
... more
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Fri Jul 3, 2015
Alex Marti answered:
Cibolo is a great place for rental properties due to the Military bases Ft Sam and Randolph AFB being so close you have a large pool of highly qualified tenants and buyers. Good luck!
0 votes 19 answers Share Flag
Sat Jun 21, 2014
Lisa Wetzel and Jim Valentine answered:
USDA is specific to areas that qualify. Your need to address this with your Lender!

Lisa Wetzel and Jim Valentine

Certified Distressed Property Expert, CDPE
RE/MAX Realty Affiliates
1320 Hwy 395
Gardnerville, NV 89410
775-781-5472 Lisa
775-781-3704 Jim
775-781-3703 Jessie
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Thu Dec 5, 2013
We are offer a Texas * Program that allows you to put only .5% or 1/2% down on a loan up to 250K. We offer this loan throughout TX. We are also competitive on traditional FHA loans, and like John metioned there are options when it comes to the down payment with FHA.

Let's discuss your loan scenario in more detail.Contact me at 800 315 8803. My name is Bart and I have been in the mortgage business since 1987. I am happy to answer your mortgage questions, 7 days a week and review your loan scenario.

Until then, I look forward to hearing from you.

Bart Gabe - 800 315 8803
Lending Since 1987
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0 votes 3 answers Share Flag
Thu Aug 15, 2013
Allison Fishwick answered:
Generally, the better your credit score, the better your loan type and rate will be. If you yoke yourself with someone with less of a credit ranking and history, you will have fewer options and worse rates.

The best thing you can do is find a lender in your area to work with. They will help you understand what you are eligible for now and also set goals so that you know where you are, and how to get to where you want to be. They are the professionals that can let you know all of your options.

Good luck!
... more
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Wed May 29, 2013
Josh & Monica Jackson answered:
Hi Chantelle, I specialize in the Cibolo area and would be happy to help you find the right home. If you're still looking to buy near Steele H.S., give me a call today!
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Wed May 29, 2013
Josh & Monica Jackson answered:
Hi Kim, you came to the right place. I'm a Realtor and an investor with over 10 years experience in the area. Contact me today so I can help you find your next great investment!
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Sat Apr 6, 2013
Rey asked:
1. Spouse 1 and Spouse 2 both qualify for USDA mortgage under the USDA guidelines.

2. A lender ran the report and found that spouse 1 between a 580 and below a 620 credit score. Spouse…
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Thu Feb 28, 2013
Alison Hillman answered:
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Ali, Trulia Voices Community Manager
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Sun Oct 14, 2012
Seanli answered:
Hi everyone, I am new to trulia and not sure how to communicate via this website. I am the owner of this house and trying to sell it ASAP. Either email me at or call me directly 609-224-7477. ... more
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Wed Jul 25, 2012
steve answered:
If you are following particular neighborhoods you may have seen an upward trend that 'corresponded' to the national "bubble", then some correction just in the last 2 years. Cibolo and Schertz enjoyed a 'run-up' due to increasing popularity partially due to good schools and partially due to convenience to military bases in the general direction.
Expanding military bases close by were more convenient until new home build-up in the area reacting to demand increased population, and the resulting traffic on the I-35 corridor. That traffic situation has impacted the desirability of the area, and we've seen some cooling of enthusiasm.
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Sun Dec 27, 2009
Dallas Texas answered:
Difficult to state only the Wells Fargo manager will make that decision who can pull it at last minute from being foreclosed on. If bank forward to you executed sales agreement then be no problem if you don't have it by foreclosure date most likely won't purchase the home.

Best keep moving forward keep looking for a home, it could be months IF home is ever placed on market for sale again.

National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter:
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Thu Dec 24, 2009
Faye Taylor answered:
Is the listing agent an experienced short sale agent? Is your agent an experienced short sale agent? A lot of your chance depends upon the answer to that question. An experienced short sale listing agent will have priced the home right BASED UPON the sellers's situation and the home itself. The list price depends upon several factors one of which is how close to foreclosure is the seller and absorption rate for the neighborhood, the lender, and the sellers willingness to sell or their desire to "let go" of the home before foreclosure and several other factors so...................offering full list price may not mean anything if the home is not priced right or has not been seasoned on the market correctly or you may have an excellent chance. ... more
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Fri Dec 11, 2009
Don Tepper answered:
Great answers from Guy.

A few quick reaction: BPOs mean almost nothing. The lenders often pay attention to them (after all, they've paid for them), but all too often they're off by a substantail amount. So the fact that it's priced at the BPO amount does mean less resistance from the bank if an offer comes in at that amount. But that's all. It doesn't mean you're getting a good deal. The BPO may well be tens of thousands of dollars over the property's true value.

The fact that it's been on the market for 117 days with no offers means it's overpriced.

And while real estate conditions are local, there are plenty of areas that would be jumping with joy at homes priced at 84% of what they sold for two years ago. In many areas, prices dropped (and are still lower) by 30%-40%.

And while you're correct that it'd be nice to move into a home with some equity, nothing you've presented suggests you'd have any. And here's a piece of bad news for you. If there haven't been any resales, then whatever price you pay will help set the standard. That'll be the one solid comp. So if you pay $210,000, then that's the benchmark and others will be considered reasonably priced at $210,000. If you pay $185,000, that'll set the benchmark, and others will be considered reasonably priced at $185,000. It's like the saying: "You can't get there from here." You can't get to a position of equity if your purchase sets the standard.

Hope that helps.
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