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60586 : Real Estate Advice

  • All25
  • Local Info4
  • Home Buying13
  • Home Selling3
  • Market Conditions0

Activity 20
Fri Apr 21, 2017
Jeff answered:
60586 is split between Village of Plainfield, City of Joliet and unincorporated Plainfield Township. You would need the exact address to determine where you live.
0 votes 6 answers Share Flag
Fri Feb 24, 2017
Jaymereavis asked:
I recently put an offer in on a house, and my agent got an email back saying:
"The seller is accepting the offer as is. My transaction manager is sending the contract to the seller…
0 votes 0 Answers Share Flag
Thu Jul 14, 2016
Neil Roxas answered:
Hello,

We’re excited you’re using Trulia for your home search process. We are a real estate search engine so we don't represent the homes found on our site. Please follow these steps to begin your home search:

1. Click the "Rent' tab at the top of our homepage.
2. Enter your desired city and state in the search bar and hit Enter.
3. Click 'Max Price' to select what your highest price would be to pay for a home. Click 'Min Price' to set the lowest price you would pay.
4. Click 'More Filters'.
5. Select your preferred property type, square footage, etc.
6. Click the red 'Apply' button.

This will begin to pull up listings that are more tailored to what you are looking for.

If you are interested in a listing, click on the "Contact the agent" button to get in touch with a real estate professional in your area. You can also take advantage of our vast network of agents here:

http://www.trulia.com/directory/

We hope your experience with Trulia is memorable and thank you for using Trulia for all your real estate needs.


Jeo
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Mon Oct 13, 2014
answered:
Tell him to find a good loan officer.

For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.

Brad Neumann
Branch Manager
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
Email: bneumann@myccmortgage.com
NMLS# 948036
... more
0 votes 6 answers Share Flag
Tue Sep 23, 2014
Diana Hellman answered:
I am a believer in public school education. Generally, they can offer the most choices, from the basics to electives, where a private school may not have the breadth of course work. If you are considering any school, whether public or private it is worth getting a tour by calling the school so you can have first hand knowledge of your options. ... more
0 votes 2 answers Share Flag
Tue Sep 23, 2014
answered:
It's a loan the government insures to help people buy homes that might not qualify for conventional financing. FHA loans have about .25% lower rate than conventional so it is still a great deal.

For mortgage help, call (855) 893-1177 or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states and you can apply online at http://www.myccmortgagebn.com. We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (855) 893-1177.

Brad Neumann
Branch Manager
Crosscountry Mortgage Inc.
Phone: (855) 893-1177
Email: bneumann@myccmortgage.com
NMLS# 948036
... more
0 votes 3 answers Share Flag
Sun Jul 13, 2014
Izabela Borlee asked:
I have a home day care, and I am also thinking of selling my home with the business, of course new person needs DCFS approval and get the license on their name.
0 votes 0 Answers Share Flag
Fri Jul 19, 2013
Curly Sue answered:
Google: FHA
Sell the home or refinance it.
0 votes 2 answers Share Flag
Mon Mar 25, 2013
Maya Thomas LLC answered:
Ask your buyer's agent about back up offer options. In Florida, we have a Florida Association of Realtors Short Sale Addendum. The buyer and seller can either agree not to accept back up offers or to accept back up offers.

If a back up offer is accepted the primary buyer cannot be kicked out of their place. The back up offer can only 'get their turn' if the primary buyer defaults or cancels the contract.

If a buyer signs a Kick Out Clause' a seller can accept another contract and, depending upon the terms, give the primary buyer the opportunity to 'step up to the plate' and match or beat the terms or allow the new buyer to take the contract.

In Florida we have the option to either accept or not accept back up contracts on a short sale and to accept or not accept a Kick Out Clause.

Talk to your buyer's agent. You may have the same options in your state. Your buyer's agent has the solutions to give you peace of mind and protect your best interests.

Good luck!

Maya Thomas
(305) 522-1398
www.ShowcasePortfolioProperties.com
... more
0 votes 4 answers Share Flag
Mon Mar 25, 2013
Michael Sims answered:
Your best bet is to engage a foreclosure defense attorney. I recommend Steven Saporta at 815-741-9400. He is one of the most aggressive litigators I have encountered in 35 years. Once you engage him, he may be able to delay the foreclosure proceedings and keep you in the house for awhile. ... more
0 votes 9 answers Share Flag
Mon Mar 25, 2013
Michael Sims answered:
Your best bet is to engage a foreclosure defense attorney. I recommend Steven Saporta at 815-741-9400. He is one of the most aggressive litigators I have encountered in 35 years. Once you engage him, he may be able to delay the foreclosure proceedings and keep you in the house for awhile. Also key is the ability to negotiate a relocation fee. Meanwhile, you may be able to conduct a short sale and come out of this not so bad. I would be glad to sit down with you and discuss your options. If done properly the impact is much less on your financial profile than if you just let it go to foreclosure. Michael Sims 815-791-7467 ... more
0 votes 2 answers Share Flag
Mon Mar 25, 2013
Michael Sims answered:
Valerie, If you are not eligible for a HAMP modification then you are probably eligible for a short sale program. You would have to apply for the program and submit paperwork As long as you are working with the mortgage company and trying to sell the home, the foreclosure proceedings MAY be delayed. Many real estate agents claim to be "Short Sale" or "Foreclosure" experts, but only a few of us really have success in getting the deal done. Financially you are much better going through the short sale than allowing a foreclosure or deed in lieu. A short sale has much less impact on your credit score and will give you better chance in the future of getting another home loan. A foreclosure or deed-in-lieu will stay on your credit report for 7 years and you will always have to disclose that you were foreclosed on when you apply for a new mortgage. I would be glad to discuss the 10 different options you have when facing foreclosure with you face to face. I am local in the Plainfield area and can meet with you at your convenience. I can be reached at 815-791-7467 ... more
0 votes 3 answers Share Flag
Mon Mar 25, 2013
Michael Sims answered:
In Illinois you have 30 days from the date of the Sheriff Sale to redeem your mortgage in full. So if you have the cash to pay it off go ahead and do so. Sounds simple enough right? Since most people do not have the cash to do so, you can do one of two things. 1) Move and not worry about the home any longer, or 2) remain in the home until you get an eviction notice. Many of the lenders are working with the former homeowners and allowing rent-back programs and also Cash-For-Keys which is a relocation program. That is to say that some of them will provide moving assistance for you. That can go a long way with a security deposit and actual moving expenses. The best thing is to talk to your mortgage company, the probably have a toll-free number too! ... more
0 votes 2 answers Share Flag
Sun Nov 11, 2012
mjschulm answered:
Valerie,

Deallen's explanation is only partially correct. It all depends on the county, but once a house has been sold at auction whether to 3rd party or back to the bank, the prior owner has absolutely no rights to the property.

However, all the winning bidder has is a certificate of sale and an "equitable interest" in the property. Once its bought, court usually takes 90 days to approve the sale, at which the sheriff will force eviction with the prior owner WITHIN 30 DAYS OF THAT APPROVAL. That is where Deallen is incorrect, their is NO eviction process at that point. The "cash for key's" concept is really to give the owner money not to trash the home and assist in their moving out.
... more
0 votes 2 answers Share Flag
Sat Jan 21, 2012
Michele Nixon answered:
I'm not sure what store card it is but, if you can use it regularly, and then pay it off immediately each time, that helps.

There are lenders who help you with credit repair. Send me your information and I'll have someone contact you.

michele@michelenixon.com
... more
0 votes 5 answers Share Flag
Wed Oct 19, 2011
David Foote answered:
Gary is correct. You need to discuss this with all parties involved in the contract through your respective attorneys. However, the reason you sited here, not being ready to move, makes me throw caution your way, and your attorney will advise of such also. Most closing dates can be moved up or back within reason. When you signed the contract you entered into that agreement on good faith that you could perform the sales contract as written. Requesting a change in the closing date is modifying the agreed terms of the contract. Unreasonable delays could become a problem for you: just because you ask everyone for an extension on closing does not guarentee that the buyers will grant your request. The buyers may have issues on their side whereby their landlord or their buyers must have possession by a certain date. Be prepared that YOU may have to be the one to find temporary housing. As Gary suggested, contact your attorney and your designated agent. ... more
0 votes 3 answers Share Flag
Sun Oct 2, 2011
Annette Lawrence answered:
John,
HAFA is a US Government program that is facilitated through home mortgage lending companies. The answers you have read below are correct. Everyone stated you will need to hire a real estate professional.

Let me explain why. Applying for assistance through the HAFA program is just the first step in what may be a very long lived process with real consequences for you. Your real estate professional will guide you through the entire process so you will be in the most adventitious position regardless of the ultimate outcome.

This is a very emotional, very complex process where the rules are an illusion and nearly anything can happen. Having a seasoned professional along side will prove incredibly beneficial.

You have made the most important decision already. That decision was to take action.
Best of success in reaching the outcome most beneficial for you.
... more
0 votes 5 answers Share Flag
Thu Sep 22, 2011
Sanja Stinson answered:
Research you request property and it looks as it the Hazelwood address has not completed the full foreclosure process and is currently not listed. Often time it could be in the redemption period may be 2 months or more depending on where this property is in the process. Thanks you ... more
0 votes 3 answers Share Flag
Fri Jan 7, 2011
Suzanne Hamilton answered:
I agree - every instance is different and definately your Realtor should have a good answer for you. However, taking contingent contracts is very difficult these days. If you accept a contingent contract, your agent will need to indicate it in the MLS. If they do, most agents will not show your house and it will be difficult for you to get another offer. That's a tough one. I would have your agent do an analysis of the contingent buyer's house and see what likelyhood it has to sell in a reasonable time. That is a big factor.

You can set a time frame on any contract, closing date is part of the negotiation, but the answers below are right - if you take a contingent contract, you agree to that and you are on hold.
... more
0 votes 8 answers Share Flag
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