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Home Buying in 46142 : Real Estate Advice

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  • Local Info1
  • Home Buying8
  • Home Selling5
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Activity 8
Sun Jun 12, 2016
Bencferg asked:
This question was asked from this property:
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Thu Mar 3, 2016
Karen Peyton answered:
From a lender's perspective, bankruptcy and foreclosure are serious financial mistakes. They want higher interest rates because "history" says you are a tremendous risk. For risk, they want reward. It's really that simple.

Two years from the finalization of the last event - bankruptcy or foreclosure is the time to speak with a lender about a mortgage. Hopefully by then you'll have something put away for a down payment. If you can't pay less, you will have to earn more.

For now the question is, what you have done to re-establish your credit? If nothing, I suggest beginning a dialogue with a lender "now" to find out how to increase your credit scores.

Good luck!
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Tue Feb 11, 2014
Mallorie Wilson answered:

How soon do you think you'll have your credit card bills paid off? Are you concerned with your debt/income ratios? Good payment history will help your credit score. If you're worried about your income/debt you may want to wait to purchase your car. How soon are you thinking you'll want to buy? If your a ways out, it might not be a bad way to establish credit.

Mallorie Wilson
Sales Manager
Associate Broker
Century 21 Diversified
317-590-3434 direct
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Mon Feb 18, 2013
Derek Crager answered:
If you don't have a Real Estate Broker, contact me at 317.796.9825 cell/text and I can walk you through step by step to getting the home you want at the least possible price. There are loop holes and back doors available in the system that I exploit for my clients.

I've been doing this for quite a while, wrote the book that has been used to teach Real Estate Agents/Brokers across the nation and am an expert in the art of negotiation with respect to each and every variety of foreclosure and preforeclosures that are yet unavailable to anyone else.

My search tools allow me to offer you just the homes in your search area and filter out everything else, thereby saving you money, time and energy in your already busy daily life.

Derek B Crager
Real Estate Broker
317.796.9825 cell/text
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Wed Feb 13, 2013
Annette Lawrence answered:
In Florida, where the sun shines consistently, water NEVER freezes, RH of 85% is not uncommon and Temps stay at 86...pools are of value ONLY to those who want pools.
If you want the best price for your home in Florida, match your home to the right buyer.
If a buyer does not drive, has sun allergies, lives in fear of tropical critters, wishes not to look upon expanses of manicured lawn, resists the 5 minutes of maintenance a pool requires, has no carbon footprint awareness, does that mean garages, lanias, conservation frontage homes, green lawns, pools or thermal windows add no value? OF COURSE THEY DO! They add value to a willing buyer. A person buying a house they don't want is not a willing buyer, therefore will not value those assets of the home.
If I sell my home with a well maintained pool, enclosed, with an expansive lania, I WILL get more money than a home lacking these attributes. I will wait for the buyer whose lifestyle values the attributes of my home.

Remember, value is that which a willing and able buyer and willing seller agree upon. The common misconception that an appraisal is the establishment of value. An appraisal ordered by the bank has an entirely different (internal) purpose. Home sellers need to be very aware of this reality.

Best of success to you,
Annette Lawrence, Broker/Associate
Reamx Realtec Group
Palm Harbor, FL
Movie Tour
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Wed Feb 13, 2013
Rob Ertman answered:
Your local Real Estate Agent can easily tell you what the taxes are because the amount is usually on the Metrolist. In reference to fees your agent can get a break down from the title company. ... more
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Mon Dec 31, 2012
Denise Sinn answered:
There are a few available in these areas within those price parameters. I would be happy to assist you by setting up a search tailored to your wants. As soon as a property is available it will be emailed to you. Then you can decide which ones you would like to take a closer look at. You can contact me via email" or 317-847-8550.
Thank you
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Thu Aug 30, 2012
"your" Home Team At Jarvis Realty Group answered:
Hi Ryan,
Congratulations on the new car purchase! A score of 633 is right on the edge of qualifying for a mortgage. The best way to see what your options are would be to talk to a lender. When you run your credit online that score may be different from what a car dealership score would be, and a dealership score may be different than what a mortgage score would be. I have a great lender that would be able to tell you if a new home is an option with your current situation, and if it is not an option she will be able to help you come up with a plan to make it an option for the future. Please feel free to call or email me with any questions!!

Brooke Huffman
(317) 512-5682
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