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30152 : Real Estate Advice

  • All27
  • Local Info2
  • Home Buying7
  • Home Selling3
  • Market Conditions1

Activity 21
Thu Sep 28, 2017
Mandie mills asked:
Tue Mar 14, 2017
Solomon Greene answered:
Search for homes by school district and cluster at the link below.
0 votes 1 answer Share Flag
Mon Jun 13, 2016
Kdroberts0207 asked:
I listed a property on Zillow and it was automatically listed on Trulia as well. Now, I have updated the property on Zillow (I did this on Saturday 6/13/16) to show as Pending but it has…
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Wed May 11, 2016
Lisa Pugh asked:
Sat Aug 15, 2015
Diane Christner answered:
Depending on how the listing agreement was written, the listing broker may be able to go after the seller for commission owed if the buyer saw the property while it was listed.

Most listing agreements have terms stating something to the effect that the home owner will owe the broker a commission if they sell or transfer the property to a buyer that was introduced to the property during the listing period if that buyer purchases the property within a specified time period.

Go back and read your listing contract and if you have any legal questions after reading it, consult an attorney for legal advice.
... more
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Mon Apr 13, 2015
Jeri Patrick answered:
Contact trulia directly by calling them it is easier to do it that way. Best of luck.
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Wed Feb 18, 2015
Christine Topham answered:
If you are looking to list your home for exposure through the First Multiple Listing Service, the best way is to set up interviews with local agents, that work in your area. Every agent and company affiliation, brings to their clients a sales history, a variety of marketing techniques, and a level of professionalism and experience. I would encourage you to interview a couple, to find the best agent willing to work towards your mutual goal of selling your property.

Good Luck,
Christine Topham
RE/MAX Unlimited
Kennesaw Georgia
... more
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Fri Aug 1, 2014
Follow Me Realty Associates, LLC answered:
Actually, it will depend on the lender that you are trying to re-fi through, some will accept a quit claim deed and others won't. I suggest you shop lenders and ask the lender that you're currently thinking about using. ... more
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Tue Mar 4, 2014
IRS liens automatically subordinate to purchase money mortgages, there is no reason to get a subordination agreement and the IRS will never provide one either. Refinances are a different story.

For private financing you may want to reach out to a real estate investment club, as the members there are always looking for creative ways to make money. If you don't mind paying points and higher interest rates (which it sounds like you don't) then try getting in touch with the contacts listed and ask if they know of anyone in their REIC that would be interested in helping you out.

Good luck.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
... more
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Mon Mar 3, 2014
Hi Marco,
A Gift of Equity for a Second Home is often allowed on a Conventional mortgage. The Seller would need to be related to the Buyer.

If you are looking to purchase a property, working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your mortgage options. To get Pre-Qualified for your purchase, you can submit your request online at to get started.

Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at
Licensed in Alabama & Georgia with over a decade of mortgage lending experience.

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203(k) Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing.
... more
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Sun Feb 16, 2014
Kirsten Wellborn answered:
Marco, A lot of lenders will based on the type of loan. Fha is usually assumable, but they are qualifying.
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Sat Feb 1, 2014
MARCO HUAMAN answered:
Yes, you can. You just need to have your income taxes analyzed in detail, and also have the companies ready to verify (or extend letter of employment). It seems an FHA type of loan, will be more friendly to your case. ... more
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Fri Jan 24, 2014
Nereida Figueroa answered:
COBBCOUNTY.GOV...There is base in the area the property is located. Take the zip code, start from there
0 votes 4 answers Share Flag
Mon Dec 2, 2013
Hi Dannie,

Unfortunately the only "true" no PMI loan is VA or if you put 20% down but there are different ways of "paying" PMI.

Here's what I mean:

1) Monthly PMI - You can do the standard monthly PMI payment which like Rodney explained can be dropped once your loan balance hits 80%.

2) Lender paid PMI - The lender charges a higher interest rate so they can pay the PMI. The downside with this option is you are stuck with that rate for the life of the loan or you have to refinance which costs you money. This is how the Home Path loan program works, even though it's "sold" as a no PMI loan you are paying it in the form of a higher interest rate.

3) Split Premium PMI - This is set up like FHA where you pay part of the PMI upfront which in turn, reduces the monthly PMI payment. You can also elect to pay all of your PMI upfront so you don't have to pay PMI monthly.

Now let's look at why paying PMI may not be as bad as you think.

I'm going to run a couple of scenarios for you below to illustrate how PMI can actually be beneficial for you as a home buyer.

Let's use a purchase price of $250,000.00.

If you were to do a conventional mortgage at 4.375% with a 5% down payment ($12,500), your principle and interest payment would be $1,185.80 with a monthly PMI payment of $106.88.

If you were to put 20% down, ($50,000) you would have a loan amount of $200,000 and at the same rate of 4.375% your principle and interest payment would be $998.57.

That's a difference of $294.11 per month BUT you had to spend an extra $37,500 ($50,000 - $12,500) right now so here's what you want to look at. How long will it take you to recoup that $37,500 through saving $294.11 per month? $37,500 divided by $294.11 = 127.50 months or 10.62 years!

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Peoples Bank & Trust
... more
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Mon Oct 21, 2013
tanya75 answered:
Hello, I am looking for a family home to rent ion this area. Is this property still available?

Many thanks
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Wed Sep 25, 2013
Debbie Mullis answered:
HI Karen, I can set you up on my website for a rental search of the school district you desire. It will send you all listings in 5 multiple listing services and will give you daily updates on new rental listings and price reductions. Rentals are moving fast but there are a lot of them out there! Bring your challenges, I have solutions! ... more
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Wed Jun 12, 2013
Darrell Hess answered:
Short Sales take time. You should have asked yourself the questions, "Is the amount of money I may save off market value worth the unknown amount of time I would have to wait?" This should have been explained to you via your agent, if you had one. I would say typically 60 days will go by before any hint of verbal acceptance comes and some can take upwards of 10 months or longer depending on the situation, the type of short sale program being attempted, and many many other variables. Once you have approval you typically have to close within 30 days or less so make sure you are staying on top of your means to purchase be it cash or financing. ... more
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Wed Jun 12, 2013
Darrell Hess answered:
I have a few more about to go on the market. Did you ever find your home?
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Sun Apr 28, 2013
Darrell Hess answered:
Yes there is. It can vary as everyone has different circumstances, but the way the credit algorithms work it depends on how the credit default or release of debt is treated and entered into the system. ... more
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