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Home Buying in 19152 : Real Estate Advice

  • All26
  • Local Info1
  • Home Buying15
  • Home Selling5
  • Market Conditions0

Activity 15
Sun Mar 29, 2015
Kimberly Stevens answered:
It's possible to still buy a home. There are FHA Loans but usually the required score is usually 640. Also, the United States Dept of Agriculture has guaranteed rural loans where you don't have to put any money down but your credit score must be 640. ... more
0 votes 1 answer Share Flag
Fri Feb 20, 2015
Shane Milne answered:
A 640 score qualifies for most loan programs, but the GI Bill (educational benefits) cannot be used as qualifying income. Do you have any other income?

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
... more
0 votes 1 answer Share Flag
Tue Aug 13, 2013
Philip J. Cunningham Sr answered:
Yes Please call me at 215-725-5700 X49 so we may speak in person there are several ways that your credit score can be worked with. I'm asking you to call me because you need to be provided the Oral disclosure which is required by the State of PA. As for Delaware County it depends on what area you want to be in and how much you know about the area and your price range Please call me so I can give you this information If you prefer to e-mail me direct my e-mail is below DON'T give out any info without a Consumer Notice it is for your protection.

Philip J. Cunningham Sr.
V.I.P. Realty Corporation
7942 Bustleton Ave
Philadelphia, PA 19152
215-725-5700X49 cell 267-934-1971
philcunningham2004@yahoo.com
... more
0 votes 5 answers Share Flag
Thu Nov 29, 2012
Joseph Sheridan answered:
You most likely saw the Pre-foreclosure staus on Realtytrac. Just because it says it is scheduled for auction does not mean it will sell for sure at the sheriff sale. It would be best for you to contact the law firm handling the foreclosure to check on the status and the upset price. If it is sheriff sale there is no open house and it comes as is (sometimes with the old owners as well). Be sure to do your research on sheriff sales in Philadelphia if you choose this option. If you're an new investor, It is much safer buying a bank owned or short sale with the guidance of a real estate agent.

Joe Sheridan
Liberty Bell Real estate Agents
215-776-4012
... more
0 votes 4 answers Share Flag
Thu Oct 13, 2011
Josie75 answered:
Mon Aug 1, 2011
Clarissa Ramos answered:
OK Don't bite my head off, lol. Just asking about the home inspection thing because someone had told me that. So, I definitely wanted to know if it was true because it did sound false. Believe me, if I couldn't pay for a home inspection why would I be looking into buying a house?! But, thank you for the great answers most of you gave me. I definitely will be contacting some of you to start my process on finding a great real estate agent! ... more
0 votes 18 answers Share Flag
Mon Nov 8, 2010
Phong Lam answered:
Hi 2007,

How are you? Thank you for your inquiry. Sorry to hear about your recent deal. Unfortunately, most appraisals are required to be paid upfront by the buyer before an appraiser goes out to appraise a property. It is a fee that the lender has to pay to the appraisal company to get that done for the buyer. Typically, there are 2 things that the buyers have to pay upfront: appraisal fee & home inspection. If you have any other questions, please feel free to email me at Phong.Lam@c21ag.com or call me at (267) 918-1880.

Hope that helps and good luck!

***** If you like the answer - please consider giving it a Thumbs-up & making it a "Best Answer" ! Thank you! *****

Best Regards,
Phong Lam, CSM
REALTOR®
CENTURY 21 Advantage Gold
2010 Oregon Avenue
Philadelphia, PA 19145
Business: (215) 465-1400, ext. 508
Fax: (215) 336-7793
Mobile: (267) 918-1880
Email: Phong.Lam@c21ag.com http://www.c21ag.com
Professional Profile & Testimonials: http://www.linkedin.com/in/PhongDucLam
To connect with me: http://www.retaggr.com/AddMe/PhongDucLam
Buyers' Info: http://www.facebook.com/TriCountyPhiladelphiaHomebuyers
Sellers' Info: http://www.facebook.com/TriCountyPhiladelphiaHomeSellers

Century 21 Advantage Gold Top 21 Percent Award for 2009!
A referral from you would be the biggest compliment you could give me!
If you're interested, please ask me for your FREE Local Market Report for home values in your area!
... more
0 votes 3 answers Share Flag
Sun Jun 13, 2010
Gita Bantwal answered:
You should talk to a lender. With your credit score you should qualify for a mortgage but try to resolve the credit issue first as others have suggested.
0 votes 4 answers Share Flag
Thu Oct 1, 2009
Linda answered:
This is a correction that I posted just a moment ago. (I couldn't figure out a way to get back into my message to correct it.) The name of the website is "RealtyTrac.com", (not Realty.com). Sorry about the mistake!

Linda
... more
0 votes 7 answers Share Flag
Fri May 22, 2009
Brian Yoak answered:
That is a nice area. Close to shopping, you have Route 1 to take you DOWN to Center City or north to go to Bucks County, North NJ and NY or connect to the PA Turnpike and head to the Poconos. You also have Cottman Ave. to take you out to Montgomery County or down to the Tacony Palmyra Bridge to South Jersey. There are great places to eat all around the area. Every area offers something different. What appeals to one person may not appeal to another. Some things that determine what area someone buys a property in is the amount of mortgage they qualify for, schools, and travel time they prefer. Do they want to drive 1hr to work and be by shopping and restaurants or drive 30 minutes to work and be further from them. I suggest you walk around the area on a Sunday. People are usually out doing yard work at this time of year. Stop and talk with them and ask them what they like and don't like about the area. This should give you an idea if it is the right area for you. If you have any questions, please do not hesitate to contact me.

Thanks,
Century 21 Advantage Gold
Brian M. Yoak
office:215-887-4653 x1318
cell:267-303-7380
brian.yoak@c21ag.com
... more
0 votes 2 answers Share Flag
Tue May 5, 2009
Brian Yoak answered:
Hi Jen,
There is one other program in Philadelphia although it is limited on who qualifies. It is called the Philadelphia Home Buy Now Program. With this program if you work for one of the about 30 companies that participate you can get up to $10,000 in grant money and also $2000. towards closing cost. You must be a first time home buyer and nay be limited to the areas that you can purchase in. Please contact me and I will be able to go into more depth about this program. I look forward to speaking with you.

Thanks,
Century 21 Advantage Gold
Brian M. Yoak
cell:267-303-7380
office:215-887-4653 x1318
brian.yoak@c21ag.com
... more
0 votes 4 answers Share Flag
Mon Mar 9, 2009
Jeff K answered:
The answer to your question ... is Yes. Since your question is old it's likely that you know this by now - but it's amusing that no one directly answered it ...
0 votes 5 answers Share Flag
Sun May 25, 2008
Bill Lublin answered:
If you're looking in this type of area, you are averaging as many as 50 houses on a block. Having 8% of them for sale is a result of a couple of things.

One is that there is a large aging population in the Northeast because the homes were good for people to raise families in, and then inexpensive enough for them to stay in after the children were grown.

The second is that there is about 9 months supply on the market instead of the balanced amount of 6 months inventory. That means a good selection for a potential buyer, and with rates as low as they are, now is a great time to buy a home.

Please see the link below to see my blog where i discuss this alittle further. or go to my company website at www.c21ag. com . As Philadelphia's largest Century 21 firm, with two offices not 10 minutes from where you're looking we have plenty of agents with good information for you. If there were something unusual in the block causing sellers to want to move, there would e far more then four homes for sale.

Just take your time, choose a good agent who is local to the area, and buy your next home.
... more
0 votes 11 answers Share Flag
Sun May 25, 2008
Bill Lublin answered:
Asking a group of real estate agents if you should buy a house is a proposition with a certain answer. We all believe that buying a house is a good thing, and not something you should lose sleep over. Meet with a mortgage lender to determine a comfortable price range - like everyone who answers your question, I can make a referral for you if you wish.

Then, look around and see what in your price range interests you. There is a good amount of affordable housing stock for sale in Philadelphia right now, and while our prices are not being impacted as negatively as other parts of the country, there are certainly good affordable deals out there for smart buyers. Make sure you are working with an agent who makes you comfortable and understands your needs. As the owner of Philadelphia's Largest Century 21 firm, and an expert in purchasing foreclosures, that might be an avenue you wish to explore if you are able to trade some sweat equity for a better resale value later. You can search for foreclosures on our website at www.c21ag.com, or email me for more information if you are interested.

Have a wonderful Memorial Day weekend. Thanks for your Service - I'm so Happy you're Safe at Home and Best wishes in whatever direction you move in!.
... more
0 votes 11 answers Share Flag
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