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Home Buying in 17403 : Real Estate Advice

  • All30
  • Local Info4
  • Home Buying12
  • Home Selling4
  • Market Conditions1

Activity 11
Tue Jan 28, 2014
Russ Malehorn answered:
I don't know about the rest of Pa but in York County there are School taxes, County Taxes, and Municipal taxes, taxes when you buy and taxes when you sell. We just love taxes. They are different for all Counties and the municipal taxes are different in each municipality. You can google R/E taxes or Transfer Taxes for each specific county or municipality for more detailed info, or if your buying in York County, just contact me.
Now if your comparing taxes from one state to another. Remember our sales tax is only 6%. Factor that in when your comparison shopping the overall tax picture.
Hope that helps. Russ
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0 votes 3 answers Share Flag
Tue Jan 28, 2014
Heather Aughenbaugh answered:
This depends on the details and severity of your credit scores. We have a credit repair department that can look over your credit history and put you on the right path to repairing your credit.
The fee for this service varies, but when your credit is repaired, you receive the fee back at settlement. This service sets you up for success! Please feel free so contact me and I can get you in touch with our repair department and they can also guide me as to when the time is right to find you a home in the York area. Heather 717-586-6966.
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Mon Oct 7, 2013
Cynthia Beatty answered:
No, you should not have a higher interest rate but you will have monthly condo fees. There are some other things you should know about condo vs detached home buying, so give me a call at 717-309-2913 or email me at cbeatty@prudentialhomesale.com. and I can give you details. ... more
1 vote 5 answers Share Flag
Wed Aug 21, 2013
Jessica Bateman answered:
There are a select few lenders willing to go down to a 600 score sometimes lower. I would recommend The Lenders Network they have helped several of my clients with lower scores get approved.

Good luck!
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3 votes 9 answers Share Flag
Tue Jun 11, 2013
Christina Hayes answered:
Was your contract contingent upon financing? If so did you apply for the financing in the specified time stated on the contract. Your answer is in your offer.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Making home ownership more than a dream...
Retired Mortgage Banker
http://www.everlastingcredit.com
https://www.facebook.com/EverlastingCR?ref=hl
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0 votes 17 answers Share Flag
Tue Jun 11, 2013
Christina Hayes answered:
Some of the lower priced homes may need work it all depends. And as mentioned location plays a major role in the pricing as well.

Best of Luck;

Christina Solorzano;
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair
Ex-Mortgage Broker of more than 10 years
http://www.everlastingcredit.com

We also have a DIY service.
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0 votes 2 answers Share Flag
Fri May 3, 2013
Trevor Curran answered:
Good afternoon Veronica,

We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.

It is unlikely you could be approved for mortgage financing with that credit score at this time.

Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.
http://www.consumer-action.org/

Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.
http://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself

The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.

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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0 votes 5 answers Share Flag
Wed Jan 16, 2013
Ruth and Perry Mistry answered:
Hi Phyllis

The seller disclosure statement should have included this repairs.

Now it becomes an issue whether you have a Home Warranty or a warranty on the motor
from the manufacturer.

Otherwise you will have to collect in small claims.

You can also talk to your Realtor who helped you buy the home.

Good luck.
Perry
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0 votes 19 answers Share Flag
Mon Nov 5, 2012
Alan May answered:
Okay... let's answer the exact question you asked. "are you obligated to use the listing agent, if they showed you the house...?"

No... you're not obligated to use the listing agent (unless, as others have pointed out, they got you to sign an exclusive buyer's agreement when they showed it to you).

This is one of those instances where you, as the consumer, are allowed to use whomever you want. If you want to hire a new buyer's agent, and bring them to the property... you are allowed to use them.

Now... it does complicate things. Procuring cause, might mean that the listing agent is entitled to a portion of any commission that is due the buyer's agent. But that's not a problem you should worry about... tell your buyer's agent the situation... and let them work that out together. What happens regarding the commission, isn't something that should burden you.
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0 votes 7 answers Share Flag
Tue Dec 20, 2011
Kevin and Julie McLaughlin answered:
Almost always, the Sellers must disclose anything they are reasonably aware of - That said, if this is a foreclosed property sale, the bank, or investor who is now selling may not have any info - ... more
1 vote 14 answers Share Flag
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