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30013 : Real Estate Advice

  • All28
  • Local Info6
  • Home Buying12
  • Home Selling0
  • Market Conditions1

Activity 26
Thu Aug 31, 2017
Mary answered:

The data you reported is coming from your county records, because of this I am unable to edit the information. This data is gathered by a third-party data collector and if correct with your county will be updated on Trulia when the updated data gets sent to us. My best recommendation would be to contact your county to ensure that the public records are up to date.

If the county records are correct and Trulia has not received the updated data yet, owners have the ability to edit their home facts on Trulia which appear in the 'Owner Information' section. Please know that edit home facts feature is currently removed from the property pages while we improve the feature. While we do not have a specific date for when they will be available, I can assure you this is only temporary. We thank you for your patience.

Thank you for using Trulia!

Consumer Care Advocate
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Thu Jun 15, 2017
SC1828 asked:
Hi. I purchased my home a year ago and I am having issues that are covered under the warranty. Although it clearly states on the purchase agreement that the seller is to provide a 1 year…
0 votes 0 Answers Share Flag
Tue Jan 3, 2017
Solomon Greene answered:
Hey Sonya,

Those fees do raise concerns among lenders, but my clients have been able to close once they were explained. Of course, there were only a few of these types of fees on their statements. Too many of them on the statements of other clients did, in fact, cause their loan to be denied.

Solomon Greene
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Mon Dec 12, 2016
Paigesteiner92 asked:
schools, jobs, traffic, safety, young family oriented, ect?
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Wed Oct 12, 2016
Maricris A answered:

If you are the owner of the property, you have the ability to edit your home facts that appear in the Owner Information section. Please follow these instructions on how to edit your home facts. This includes editing the number of bedrooms/bathrooms, square footage, home features, description and more.

Sign into your Trulia account. If you do not have an account, you must first register in order to update your home facts.
If you haven't already claimed your home, navigate to the property page, go to the "Edit Home Facts " button and verify ownership.
If you have claimed your home, click on the same "Edit Home Facts" button to update your home facts.
Make sure to select Publish Updates at the bottom of the page.


Consumer Care Advocate
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Sun Jun 19, 2016
Gabby7604 answered:
Hi I have a question about short sales/ home loan. My friend is going through a foreclosure and is short selling her home for over 100k < that she paid. However, at the same time she is looking for a new home. When I asked how did she get a loan, she said that the banks are 'allowing' short sales due to the depreciation of the home, and is only looking at her income. So, as long she has the income to pay her 'new mortgage' she can qualify for another.So the banks are 'forgiving' her mistake of overpaying a home ???? How can this be Can you explain? How can she not pay for her home to the point of foreclosure and qualify for a new mortgage? ... more
0 votes 16 answers Share Flag
Fri May 27, 2016
Well said Solomon. Not so say that the builder's lender is always better- that's not the case. But that is precisely why builders incentify you use their lender of they can control things a little bit better by dealing with a known commodity. I'm surprised Q is offering a much lower rate. They are not really well known for having the best rates. Nor are they always proficient at closing purchases. They're a refi giant but leave a lot to be desired otherwise.

I'd recommend you set rate aside for a moment, talk to both lenders, ask any questions which concern you, and after talking to both of them pick who makes you feel the most comfortable.

What I can tell you about Georgia, at least right now, is that the market is so crazy there that if an outside lender drops the ball and causes delays there WILL be consequences- from the builder charging you daily penalties to pulling the deal altogether and selling to a backup offer. Things are insane there and I'm seeing 4-5 offers for every home. So be careful with who you select because it's your money at risk!
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Tue Sep 16, 2014
As long as you haven't had any delinquencies since the BK discharge, and have re-established credit, then FHA financing should be an option for you with a minimum of 3.5% down. FHA doesn't even require your Ch 13 BK to be discharged (FHA can be done as little as 12 months into a Ch 13 BK repayment plan).

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
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Thu Dec 12, 2013
I'm not sure what your actual question is, but this is a common occurence.

Appraisals generally use sales data from the past 3-6 months of comparable homes that have sold.

So they can certainly vary from month to month (or 6 months apart), since an appraisal is a snapshot of CURRENT market conditions.

Just like the price of a company's stock can vary from day to day and month to month, so can the value of homes.

The amount that someone paid for their home 6 months or 3 years ago has no bearing on what the market is willing to pay for it now.

Hope this helps!
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0 votes 10 answers Share Flag
Fri May 17, 2013
Real Estate Agents are not allowed to comment on a variety of topics. The Fair Housing Act restricts the information that can be provided by a Real Estate Agent. Visiting the area and making your own determinations about what is best for you is the way to go.

Off Limit Topics Include:
• Crime Statistic (including questions about whether a neighborhood is good or bad or safe)
• Demographics
• Environmental Concerns
• Household Income
• Religion
• Schools (including questions about how good or bad the school is)

Determining to the answers to questions on any of the topics listed above is something that you would need to do on your own. It is up to the individual to make their own determination about a specific area. If a Real Estate Agent were to comment on such a thing, it could be steering which is a prohibited act.

Some websites to try include:

Reasons Why A Real Estate Agent Cannot Comment

These links should be able to provide some of the answers you are seeking.
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Wed Jan 23, 2013
Marc D'Angelo - Lender answered:
I offer down payment assistance through the Federal Home Loan Bank of Atlanta. I have no minimum loan amount on owner occupied properties. Call me To discuss your options.

Marc Dâ™Angelo
Mortgage Banker
678.442.3405 Office
678.985.6834 Fax
404.925.8291 Cell
apply online:

50 Chastain Center Blvd. | Kennesaw, GA 30144
NMLS# 75615 | 658834
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0 votes 6 answers Share Flag
Mon Jan 21, 2013
Debra (Debbie) Rose answered:
simply put - NO, imo, it is not a "good" option, and I agree with the other agents on this forum who expressed the same opinion.

It is not a good option because there are many potential pitfalls and dangers lurking for someone who is not currently financially sound - ie - you have "poor" credit.

Contrary to what you might think, a "rent with the option to own" contract does not mean that all your rent goes towards the purchase's not a matter of simply paying rent, and then you can buy the house or not...........there will be penalties if you don't proceed w/ the purchase.

If you do not qualify now for a loan - you better make darn sure you will qualify in the future when it's time to exercise that option, will LOSE your deposit money!

Now, if you don't have money for a deposit, you usually will be asked to pay an amount of rent OVER and ABOVE the normal rent. Only that overage will be applied to the purchase......however......that money will also be forfeited if you can't follow through and buy the home

So........Make VERY sure you understand everything in the agreement, and I'd advise you to have an attorney look it over.

There are also issues if the seller stops paying the mortgage.
A bank will not engage in this kind of purchase, either...
Any "regular" seller, wants to sell now, not later, so usually they are either asking too much money, or there are other financial reasons why they can't sell now, in the usual way.

My best advice for on your credit and save up money so you have a down payment as well as savings - a cushion - as home ownership involves more than just paying the mortgage and taxes!

Get your financial house in order before you attempt to buy a real house!

Best wishes...
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1 vote 5 answers Share Flag
Mon Oct 8, 2012
Veronika Barash answered:

Challenging appraisal is a very difficult task. Unless you can provide better comparables or proof that there is a substantial disrepancy i.e. in square footage, you don't have ground for contesting the appraisal.

Are selling or refinancing? It can make a difference, so please tell more about your situation. In either case you need an access to MLS & appraisers data base to even understand the report.
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Thu Jul 19, 2012
Mbyrd answered:
If you are still interested . I have a nice 3bd/2ba w/pool in Honey Creek .
Stars and trees are your neighbors. Call me 770-870-0962.
0 votes 2 answers Share Flag
Tue Jan 10, 2012
Lee Taylor answered:
The best resource is a great Realtor who works full time in 30013.

I hope that they will caution you about the potential mistake of agreeing to a sales price in 2011, for a property that will be appraised and sell in 2013... ... more
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Wed Dec 14, 2011
Letmein answered:
Too many of the criminals and drug dealers came here after getting run out of New Orleans after Katrina.
Gangs, people getting shot. I hear gunshots all the time in surrounding neighborhoods.
Really gone down hill.
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0 votes 9 answers Share Flag
Sat Dec 11, 2010
Bruce Ailion answered:
Atlanta is unique as a major market because there are not natural boundaries like an ocean, lake or mountain so growth continues out from the city center in all directions. The selection of a neighborhood for most people is highly related to commuting issues. The first question to consider as someone new to Atlanta is what do you need to be near. Once you have determined that Conyers is the best place, because employment, family, or other considerations, schools can be evaluated by going on the State Department of Education's site and compare the school’s student achievement for each of the schools in the communities you would consider. Here is an example of Honey Creek's report card You can also compare schools on the site. For Rockdale county you can view a listing of reported crimes in the past 30 days here If you have additional questions, give me a call or e-mail. I am currently renovating a townhouse that will be available the in January in Conyers.

Bruce Ailion,
RE/MAX Greater Atlanta
Certified Residential Specialist
Certified Real Estate Broker
Accredited Buyers Agent
MS Real Estate and Urban Affairs
Certified Distressed Property Expert
Certified Internet Professional
2050 Roswell Road
Marietta GA 30062
770-973-9700 Office
404-978-2281 Direct
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Tue Aug 17, 2010
Darrell Hess answered:
I service many areas in and around Cobb country. I check the numbers just about everyday and its like a buoy in the ocean. Up 1% down 1% up 1% down 1%. At least it is not going down as drastically anymore. What I am worried about truthfully is that people have been making ends meet with their savings, investments, and 401k withdrawals. These funds are becoming dried up sort of speak. The next choice is people to sell their homes which means more inventory in the buyers market and again driving the price down. To be honest if sellers are facing this I recommend selling now and making it up on the buy end before the next possible dip. ... more
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Sat Feb 27, 2010
Audrey Debnam answered:
Hi Eric,

Indeed the fees do sound high, that would be 6% of the loan amount, which is boarding on illegal. There are many reasons why loan officers charge these high fees. It is important that you work with an agent who understands both sides of your transaction. I am licensed in 2 states and have done loans as well as sold real estate in California. Make sure your agent has your back, this should have been a question for you to ask your agent, which leads me to believe that you may be trying to do this on your own. It cost you nothing to be represented by a buyer's agent, and you are not most likely going to save a dime by not having an agent. ... more
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