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Home Buying in 23462 : Real Estate Advice

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  • Local Info3
  • Home Buying7
  • Home Selling2
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Activity 7
Sun Jan 1, 2017
Dave Ortiz answered:
Do not pay anything until you speak to me. I can tell you I have been in your shoes and managed to write off 25,000 in credit card debt and still managed to refinance my home. YOU can still get a loan because there are otter factors to consider and it depends your credit activity for the last two years. I can help your with your answer.

Dave Ortiz
World Class Realty
4676 Princess Anne Rd.
Virginia Beach, Va. 234462
757-714-9420
Dave.buyingmyvahome.com
davecocontractor@yahoo.com
... more
0 votes 3 answers Share Flag
Sun Jan 1, 2017
Dave Ortiz answered:
If you have a credit score starting at 550 this would be a great starting point. If your score is 650 and higher this is considered the best. just as a reminder that the lower the score the higher the liability and more than likely you may have to pay a higher interest. the best way to find out is by giving me a call and I can help lead you in the right direction. I can also assist you in finding the right mortgage company to help you qualify and get you the lowest interest possible.


Dave Ortiz
World Class Realty
4676 Princess Anne Rd.
Virginia Beach, Va. 23462
757-714-9420
Dave.buyingmyvahome.com
... more
0 votes 1 answer Share Flag
Sat Dec 31, 2016
Dave Ortiz answered:
Yes, There are ways you can do this if you have the right lender. Give me a call so I can point yuou in the right direction.

Dave Ortiz
World Class Realty
4676 Princess Anne Rd.
Virginia Beach, Va. 23462
757-714-9420
Dave.buyingmyvahome.com
... more
0 votes 2 answers Share Flag
Wed Jul 31, 2013
My NC Homes Team answered:
You settle up your back tax bill and move forward. It's highly unlikely you'd actually get a loan from the VA once they start the underwriting process as this debt will be uncovered and I'm almost 100% positive that you'll be required to settle it before the would approve your loan application. ... more
0 votes 6 answers Share Flag
Wed Jun 5, 2013
Junior Gunter answered:
I apologize to hear about the difficulty you are having. By FHA's rules, you are eligible for maximum financing if your credit score is above a 580. However, investor guidelines generally dictate a score of at least 640.

An issue that many people run into is the score may meet the minimum criteria, but in examining why the score is lower may create problems. Collections, judgements, etc. all factor into the score, but will cause concerns with underwriters.

I would be more than happy to speak with you to get more information and see if there is some resolution. The important thing would be continue to make the payments. A late mortgage payment appearing on your credit report will disqualify you for 6 months to a year from taking any action.

Best Regards,

Junior Gunter

Loan Officer – NMLS # 883774
Direct: 757.390.2272
Mobile: 757.439.3770
Facsimile: 757.390.2314
jgunter@monarchmortgage.com
300 32nd Street, Suite 200 . Virginia Beach, VA 23451
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Tue May 29, 2012
Russell Bryant answered:
Many times, some of the listings may take as long as 24 hours of more to update. Please also keep in mind that properties that are listed on Trulia may also already be under contract or pending. Unfortunately as of this time, they do not have a seperate heading for properties such as that. ... more
0 votes 4 answers Share Flag
Thu Aug 6, 2009
Jennie Sawyer answered:
Taxpayers buying a home in the near future who have already filed their 2008 tax return can consider filing an amended tax return. The amended tax return will allow them to claim the homebuyer credit on the 2008 return without waiting until next year to claim it on the 2009 return
Enjoy the money.
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