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Home Buying in 15235 : Real Estate Advice

  • All32
  • Local Info0
  • Home Buying27
  • Home Selling2
  • Market Conditions1

Activity 27
Thu Feb 9, 2017
Alysse Musgrave answered:
I have yet to see a house that was cheap enough or special enough to justify the risk and aggravation involved with buying a short sale or a foreclosure. There are plenty of homes on the market that you can buy directly from the seller, not the bank. I suggest you buy one of those instead.

Don't Let Them Make a Monkey Out of You! Follow the links below.

Alysse Musgrave
Consumer Advocate
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Best selling author of Buying a Home: Don't Let Them Make a Monkey Out of You! US, Texas, and Spanish versions available.
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Thu Aug 11, 2016
Gliller asked:
Tue Jul 28, 2015
Eugene asked:
"Best" would include safety (low crime rate), decent sized yard, relatively uncomplicated route into the city (for occasional jaunts; not a daily commute). 2-3 bedroom, under $200,000.…
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Sat Sep 13, 2014
Gary Swank answered:
Absolutely, as long as it's income the lender can verify. Many people buy 2nd homes, investors buy properties outside of the state....This occurs all the time. Please feel free to contact me further to discuss. Thanks. ... more
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Tue Feb 11, 2014
Diane McConaghy answered:
There are currently no homes to Rent in Penn Hills with 3 bedrooms that under $600 / month. I would suggest you consider widening your search to include other areas.
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Wed Dec 4, 2013
Raymond & Kay Hebrank answered:
Jermaine, call Darlene of Coldwell Banker 412-841-4223 ask about 156 Thornberry dr 15235, my wife & I are selling our home 4 bed 3 bath we'll give you a better deal than you can get a 3 br 2 1/2 bath for, wait till you see all the upgrades we've done & are still doing ! ... more
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Wed Dec 4, 2013
Jay Carleton answered:
Hello Raymond and Kay. Have you found a buyer for your home in Churchill? I live there and work in Monroeville. Let me know if there is anything I can do for you. Jay Carleton
0 votes 1 answer Share Flag
Tue Jul 23, 2013
nuna727 asked:
middle school & high school are the schools safe the school
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Tue Jul 2, 2013
Donald Stevens answered:
The average is around $150. You can go higher or lower depending on the style of the building, quality of building materials, and the current demand on the construction industry when you decide to build are all factors to consider. ... more
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Mon Feb 18, 2013
Staci Rullo answered:
I can't speak to the minority issue but for a first time buyer through the state of Pennsylvania there are programs available that MIGHT assist you with closing costs dependinng upon your household income. PHFA loans. Good luck. ... more
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Sun Jan 20, 2013
Lori Jeltema answered:
Too high,
I am in the process of doing the same type of refinance on my VA loan. The only way you will know if it's worth it is to get a cost estimate sheet and compare the estimated costs to the savings. I like to keep track of rates, especially VA and shoot off an email to past clients when I think the time may be right for them to check into a refinance. You are doing the right thing checking into this streamline package. Feel free to email me directly if you have any questions. I"m not a lender, but know some great ones who may be able to help you out. I don't understand why someone would try to get you out of a VA loan unless you need to free it up for another purchase. Someone else may have another opinion.. ... more
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Wed Aug 1, 2012
Virginia Stump answered:
I'm glad you tracked her down! It probably made her day, knowing some one cared enough to look her back up!
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Thu Jun 7, 2012
Ccassino answered:
Definitely check this out with a financial adviser first! Taking a loan against your 401(k) doesn't mess with your total balance and still lets you accrue value in the account. Check with your plan administrator for the rules on loans and disbursements and they'll tell you how it works.

My 0.02$...

It depends on the type of loan options you have available to you, both in your plan and with a traditional mortgage. You pay much more in interest over the life of the mortgage than you get back in the form of a tax benefit over the life of the loan. If I saved more on total interest paid out compared to what my net costs would be in interest paid minus the tax benefit, I'd go with the 401(k). Something else to consider is that there's even odds the mortgage tax deduction will be on the chopping block in the current political environment, so I wouldn't weight the tax benefit too heavily in my decisions.

The limit of what you're allowed to access from the 401(k) will play into this too. Most plans have two limits: one for hardship and one for loans. The amount of money you can access under either is different. So make sure what you want to use is actually available first!

One important caveat to keep in mind here: if you think you will be at the job where you have the 401(k) through the period of time when you'll own the house, doing what you're saying may be a viable option. If you think you're going to leave your job, and then need to roll over the 401(k) into another program with a different employer, any outstanding loan amount at the time the 401(k) is rolled over will be considered a disbursement and will be taxed accordingly come April 15.

For example, if I had $1000 in an outstanding loan balance at the time I rolled a 401(k) over, the IRS would consider that money income and I would be taxed at a base rate of 10% plus whatever else for my tax bracket (say 20% for this example). That means at tax time I owe the IRS an additional $300. If you're talking about a $50000 disbursement...that could be a huge tax hit when you leave a job.

Something to think about...Good luck!
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Tue May 15, 2012
Benny Smith answered:
Virginia gave an accurate answer. I gave it a thumbs up. But in most cases we do not loan money. Also there are many factors that can change these numbers. There are volumes of books on the subject. That is why there are loan officers. I recommend you contact one and find out. I often use Jon Tebay for my clients in Allegheny County, at 412-352-2107. He will tell you where you stand, usually the same day and what you can do get a better rate if that applies as well.
My Best to you, Benny Smith
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Sun Nov 20, 2011
Frank Mcclendon answered:
dculliversr, I have a rental in Penn Hills,near Churchill Country Club. It's a two bedroom in immaculate condition for 700.00 . Pleasae call me at 412-670-6484.

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