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19083 : Real Estate Advice

  • All45
  • Local Info5
  • Home Buying21
  • Home Selling6
  • Market Conditions0

Activity 38
Sat Sep 2, 2017
Bephotos96 asked:
I am self employed I take all the deductions I can on my Income Tax so Ive talked to 5 loan companies for a VA and FHA loan and all say they cant help me because I dont make enough money.…
0 votes 0 Answers Share Flag
Thu Oct 20, 2016
Lucy Green asked:
I live in Havertown just outside of Philly. I've been thinking about a career change to real estate. Please help me decide if I should do this. Where should I take classes and where should…
0 votes 0 Answers Share Flag
Tue Aug 30, 2016
Gerald Kelly answered:
I have a 2 bed 2 bath condo --Haverford hills.. Havertown.. 215-909-1293
0 votes 6 answers Share Flag
Sat Apr 25, 2015
Flossie McGarrity DelGaone answered:
Hello Homebuyer!
You have been given excellent advice, but you will also need an agent that is familiar with the area.
Someone that can help direct you every step of the way. My husband and I grew up in Havertown, have raised a family in the Brookline/Oakmont area and am one of the agents in that area that is familiar with the area and sells in the area. My office is just down the street from Turnbull at the corner of Darby and Benedict. Come meet me someday and we'll walk over and take a look!
Flossie McGarrity DelGaone
Resident of Havertown 48 years
Wagner Real Estate
610-446-2300
610-517-4715
... more
0 votes 2 answers Share Flag
Wed Oct 8, 2014
Gail Phillips answered:
If you are still looking for a mortgage lender you can try Linda Feriod at 215.380.0103
0 votes 1 answer Share Flag
Mon Sep 15, 2014
My NC Homes Team answered:
Trulia only allows licensed Realtors to post. If you want your home posted here you're going to have to list it with someone. There are those brokers who will list for a flat fee.
0 votes 4 answers Share Flag
Tue Mar 11, 2014
Homebuyer1971 answered:
If rates are at 6% in two years then I'll stick with my payment, but it'd still probably go down with me having paid less, and not having to pay for pmi, If the vaule goes down then I don't know if rates will go up, if loss of job then I could afford to pay what I would get now. I don't want pmi and any loan I do is going to have it for a while , I'm at a loss for what to do to get it off either way ... more
0 votes 10 answers Share Flag
Tue Jan 21, 2014
answered:
Hello there - as a Mortgage Loan Officer for PNC, the area's largest regional bank, I absolutely have your best interests in mind. With nearly 13 years of experience with homeowners in Chester, Delaware, Montgomery, Berks and Bucks Counties, I am very confident that our programs and pricing (rates) will appease you. My office is located in Berwyn. Is that convenient to you? If so please reach out to me on my cell phone at (484)802-1728 for a confidential review.

Regardless of your choice in mortgage lender, good luck!

Ron Beebe
Mortgage Loan Officer
PNC Mortgage, A Division of PNC Financial Services
PNC Bank, N.A.
www.RonBeebe.com
... more
0 votes 6 answers Share Flag
Mon Jan 20, 2014
Nicole Klein answered:
Call Angela, she is the best I have worked with in 6 yrs. She will sit down with you and go over every detail if needed. Call or email her today. Let me know if you need help with how much your home is worth.

Angela R. Tobin
Mortgage Advisor
NMLS#133633
600 West Germantown Pike
Suite 270
Plymouth Meeting, PA 19462
Cell- 215.620.4531
Efax-877.828.2875
atobin@phillyadvisors.com
... more
0 votes 1 answer Share Flag
Thu Oct 24, 2013
Ashley Flott answered:
Yes, I agree with both Clinton and Nicole. It is best to always sit down with a loan officer first so you can get pre-qualified. Its best to get pre-qualified first so you can know what price range that you need to be in. If you don't get pre-approved its OK don't get discouraged the loan officer can tell you exactly what steps you have to take in order to get pre-approved. Afterwards you can sit down with a Realtor and already have that step out of the way so you can just focus on moving forward. ... more
1 vote 3 answers Share Flag
Tue Oct 1, 2013
Nicole Klein answered:
I checked with my lender and her company does offer this.
Angela R. Tobin
Mortgage Advisor
NMLS#133633
600 West Germantown Pike
Suite 270
Plymouth Meeting, PA 19462
Cell- 215.620.4531
Efax-877.828.2875
atobin@phillyadvisors.com
... more
0 votes 3 answers Share Flag
Thu Aug 1, 2013
Michael Abramsky answered:
Statute of limitations is not the same thing as the FCRA compliance date.

The statute of limitations is the amount of time a creditor has to sue you for the debt. (This varies state by state.)
http://www.creditfirm.net/blogs/credit-card-debt-statute-of-limitations-by-state.html

The FCRA compliance date is the date an account will be removed from your credit file.

The FCRA compliance date for collection accounts is 7 years after the date of the first delinquency with the Original Creditor.

Even if the collection agency sells the debt to another company, the FCRA compliance date remains the same.

There are instances where collection agencies illegally re-age accounts, moving the FCRA compliance date. If this occurs, you have to contact the credit reporting agencies, the CFPB, and the FTC. http://www.creditfirm.net/blogs/reaging.html
... more
0 votes 2 answers Share Flag
Fri Apr 26, 2013
Clinton McCartney answered:
Definitely consult a mortgage broker on buying using a VA loan. As for buying another home and selling yours, please check out Havertown-Homes.com
0 votes 3 answers Share Flag
Sun Apr 21, 2013
Tomi Sumpter answered:
Hi Alix,

The first thing you should do, before beginning you house search, is to get pre-qualified. That will help you to know what price range you should be looking in. Your credit score doesn't sound that bad. I believe that you could get pre-approved. I can refer you to a good mortgage loan officer, who can advise you on the steps you can take to get that credit score up a bit. Together with our loan officer, I can point you in the right direction. You can reach me at 610-357-9155, and I'd love to help you. I hope to hear from you soon!

Tomi Sumpter
Century 21 Alliance
610-853-2700
610-35-9155
... more
0 votes 5 answers Share Flag
Sat Apr 20, 2013
Tomi Sumpter answered:
Hi Alix,

Res T/O means that a listing is a Residential property, but is Temporarily Off the Market. For some reason, the Seller has decided to take it off the market, but probably plan to put it back on. What kind of home are you looking for, and in what price range. I would love to help you in your search. Please let me know if I can assist with any other questions you may have. ... more
0 votes 5 answers Share Flag
Sun Mar 31, 2013
answered:
Hello Tatxx,

Give me a call and I would be happy to help you. I work with lots of first time home buyers and am in Bucks County Pa. I'd be happy to explain the process to you.

Before you go dealing with so called experts from all over the country, do a little research and you will find that there are plenty of qualified individuals in your own back yard.

Regards,
Alan Openshaw
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
VOTED BEST IN BUCKS 2010 & 2012
NMLS ID 143960
... more
0 votes 5 answers Share Flag
Fri Jan 11, 2013
Colleen Billups answered:
I have had a mortgage with PHFA since 2008. Can someone tell me which document to view in order to find the residency requirements?
1 vote 5 answers Share Flag
Tue Jul 17, 2012
Helaurin answered:
Taxes are predicated on a combination of: house value, cost of county services (county tax), cost of school services (school tax), cost of township taxes (township tax) and if charged separately, sewer and trash taxes.

As a result, two homes that are of similar function, size, quality, and value can be located in two adjacent townships - even across the street from each other - and have widely varying tax bills, if the townships involved are different.

If the school districts are different and the county is different, that adds the potential for even more variability.

I lived in Havertown for 20+ years. I felt that the cost of taxes for the relative value of what I had was pretty high. I also looked into reducing my taxes. If you've missed this years' deadline to apply, then your next opportunity to apply willl be in spring of 2013 - and that will not affect the taxes due in 2013, they become effective for the following tax year - in your case, 2014. That's assuming you are successful. And they typically won't tell you if you are or are not successful at the hearing; that comes via a letter in the fall. So at this point, you've got an entire year to wait to even know if you'd be successful in having your taxes reduced. You increase your chances of success if you have an appraisal from a licensed real estate appraiser (figure a cost of about $300-$350 out of your pocket for that) - if you do that, make sure it's relatively close to the time you file your application - don't do it now.

Personally, I found that for the relative value of homes, that homes in West Goshen (Chester County) tend to have a lower tax on a square foot basis and decided to just get out of Delaware County. I went from a roughly 1,200 square foot home sitting on a 7,500 square foot lot with total taxes of about $4,400 a year in Delco to a home that has 3,000 square foot sitting on a 17,700 square foot lot. The taxes were only about $450 more a year, for a home twice as large sitting on a lot that was 2.5 times what I had. I could have gotten a house similar to my old house and paid about half the taxes, but I wanted more space than I had before.
... more
0 votes 3 answers Share Flag
Mon Jul 16, 2012
Jeanette DiLuco answered:
I just sold a home in Havertown a few weeks ago and my Buyer used NACA for financing. I have participated in NACA workshops and training. If this is the route you are pursuing, you must definitely use an agent familiar with their process. Based on my last experience, I would not recommend that anyone use NACA's home purchase program for many reasons. There are better solutions and will not refer any of my future Buyers to this program. Feel free to contact me directly and I will answer your questions. ... more
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