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Home Buying in 33157 : Real Estate Advice

  • All36
  • Local Info6
  • Home Buying11
  • Home Selling5
  • Market Conditions1

Activity 9
Tue May 9, 2017
Mary answered:

Thank you for reaching out. Pending means an offer has been made on the home and it is in the process of closing. Let me know if you have additional questions.

Thank you for using Trulia!

Consumer Care Advocate
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Tue May 9, 2017
Asteteveronica asked:
Thu Jul 14, 2016
Claudia Montenegro asked:
Tue Mar 3, 2015
Oliver von Gundlach answered:
Prices have gone up substantially. Get a CMA from a realtor to determine the actual value of your property. You might be able to sell at this point and walk away with a profit.
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Mon Apr 7, 2014
Antonio Vega-Pacheco answered:
The seller pays the buyer's agent commission, that is standard. A brokerage fee often a flat $195 to $395 is another way the brokerage tries to get money out of you. Not all brokerages do it. Understand it is not the agent, but the owner of the RE office that forces them to collect this amount.

When you mention the 5% down, that could be an escrow deposit, a short-sale negotiator fee. If a fee I would give up on the home and find one negotiated for free. If escrow then that is normal and expected. Keep in mind the bank selling the property may come down and ask for more than the advertised price after doing the appraisal...a frequent move from the lenders. Many things can happen during a short-sale up to the closing. Was this answer helpful? If so please click on "best answer" or on the "green thumbs up".

Tony Vega
Antonelli Realty
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Thu Jul 14, 2011
Merritt Noel answered:
I agree with both what Beate and JoAnn stated. Your credit score obviously will be the determining factor whether you do or not qualify for a home loan. A FHA or VA loan is the best option for those that have a damaged credit history or less than perfect. While the minimum credits score have risen over the past 12 months, you can still get approved for a FHA loan it you have a 580+ credit score. While you will have a slightly higher interest rate with a 600 credit score versus a 680, the difference is minimal due current interest rate spreads. For example, a borrower with a 600 credit score is looking at a FHA loan with an interest rate of 4.5%while a borrower with a 700 credit score is looking at 4.25% at today's market rates.

The one question I would ask you...and one I ask all my clients. Do you think you financially are ready to own a home? Not only do you have to make a mortgage payment monthly but you also have to be ready to handle any household repairs which can be rather expensive.

In any case, I wish you the best of luck and hope you are able to achieve your goal of owning a home in the near future.
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Tue Apr 6, 2010
Hal Feldman answered:
Cutler Bay has some great buys these days and the local government has really started to put Cutler Bay on a great trajectory to be the next Pinecrest or Palmetto Bay.

I know the area well, have a listing there at present and would be glad to go beyond cookie-cutter for you! ... more
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Wed Sep 16, 2009
Rosie Morot-Gaudry answered:
I'm from Europe too ,I have been living in Miami since 1987. I would be happy to assist you in your search for a nice home in Palmetto Bay. Please feel free to contact me.
Hope to hear from you soon,
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Sat Apr 4, 2009
RN answered:
Hi Jennifer,
I am not an attorney, so this is pure opinion: Technically, until you are legally divorced, you and your husband's purchases are inseparable--but consult a) your divorce attorney, and b) a mortgage counselor (not a broker) on this information.
I have an attorney I work with closely on complex matters, and perhaps he can help. Call me if you like,

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