Depends on what you feel is not so good.. There are many options, especially FHA if the FICO is about 580 but you cannot have much derogatory, especially recent credit. Just pull your credit report and check it out or Contact David Seilkop at Iberia Bank in Deland, He can help...... more
Following up regarding your question back in 2009. Did you end up buying in Hunters Creek or nearby? If so Congratulations!!! You've probably gained +/- $90,000 in equity by now. If not, we need to talk.
Many Realtors offered great insight about Hunters Creek and 32837. Overall, the Top 3 Communities in 32837 are 1) Hunters Creek, 2) Deerfield & 3) SouthChase....The other communities in 32837 such as Pepper Mill/GingerMill/SkyLake/ are not as desirable as the top 3 top.
Properties In Town, Inc.
Any competent realtor with experience in the field should can guide you. Not every home qualifies for an FHA loan but the majority of homes do qualify. Some Bank Owned homes usually qualify as well as homes with no visible damage to the roof, A/C, etc. I'll be glad to assist you with your house hunting.
Wishing you the best.
Properties In Town, Inc.
Rent to own is really not a good idea, therefore consider fixing whatever is preventing you from purchasing outright. Rent to own can be risky and one could stand to lose a bit of money, it favors the owner; therefore inform yourself well in advance of your search, and consider consulting with an attorney who specializes in real estate before considering the idea and or before signing any agreement. If you haven't done so yet, visit with any licensed loan officer, see if you can buy outright, or simply continue renting until a purchase can be made.... more
Always fun to look at 4 year old questions. When this was asked there were a lot of possibilities, but now in 2013, not so much. Here's what I found:
For First Time Homebuyers and your score, you will need the 10% of the down payment. You can apply for the goverment programs, in order to receive mor money for your down payment and your closing costs. Otherwise you would need to have a 640 as the middle score to qualify for you the 3.5% down payment.
For more information contact me at 939-642-1790
JP Morgan Chase Home Loans
NMLS 484181... more
To help answer the tax question. Yes values have fallen, but the appraised value is then applied against a tax millage rate to come up with what amount you pay. If the city or county votes in a higher tax millage rate then taxes can rise assuming the appraised taxable value stays the same.
I hope this helps,
Lisaa, as of 4/20 there are 2 homes in Hunters Creek that fit your criteria. One is bank owned the other is not. so what you want is very viable. If you want more choices you can add Falcons trace and the areas adjacent to Hunters Creek.
All the best,
Carm, now I undertand your other question about not being able to close in the next 4 days much better. Sorry, you are out of luck. Congress has not extended the June 30 deadline. The Senate just voted it down. Have you heard of the Neighborhood Stabilization Program (NSP)? It's much more lucrative than the the tax credit. You can get over $30,000 which doesn't have to be paid back. Check that one out.
Find your next house with the click of a mouse.
Search the MLS without obligation or registration from my website.... more
I was in your shoes when I first started out. The process was frustrating & it took about a year for me to establish some credit, but worth it. I now have excellent credit. Here9;s what I learned along the way:
1) Having someone co-sign or open a credit card in your name will NOT help you build credit
2) The way you handle your payments AFTER they co-sign WILL affect their credit
3) A secured credit card uses your money as the "credit limit". I don't see how you would be denied unless you are rebuilding & one of your accounts are in a delinquent status, charge off, collection, etc.
4) Have you looked at your credit report - there may be something on there that needs to be addressed
5) Have you tried a Credit Union?
6) I would advise against having someone co-sign b/c money can destroy relationships if things don't work out as planned. I'm saying this b/c of your current credit history & b/c you are worried about affecting their credit in a negative way. Have you looked into a down payment assistance or FHA program instead?... more
Hello Carm, Rik (whom I work with) is right on with his answer. Your taxes on your primary homesteaded property will be lower by approximately 20% - 25% on a comparable property. Good luck any questions call me at 407-222-4545.... more
I am working on one right now, The home has been vacant for some time and my clients would like to purchase it. We are working on contacting the owner to see what is happening and if he is in the position to sell. So alot of this going on right now. Establish a relationship with a Realtor and then go from there.
Thank you for your question, if I can be of service to you let me me know.
Prudential Florida Realty