You might be able to get a loan with a 580 credit score, but you should wait until your score is around 640 before you try to buy a home. Interest rates are based on a lender's risk. The higher the risk to the lender, the higher the cost to the borrower. Get your credit score up to about 640 before you try to buy a home.
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If the person isn't paying their HOA dues...then the HOA can file a lien on the property, and then eventually foreclose on it, depending on your state's due process requirements. As far as "How to do that?" -- you'd need to hire an attorney.
Most Buyers try to do it backwards! They frequently lose their first choice in homes, because of it...we are in a highly competitive buying market in the entire Greater-Houston area, where the really NICE homes get multiple offers, and you need the credentials READY, so Sellers are interested in YOUR offer. ... The RIGHT way, is to deal with an agent who is highly experienced IN THE AREA of your homesearch, and ASK that locally-experienced agent WHO to get PRE-APPROVED for a mortgage loan with. (Don't troll for "wannabe" Mortgage "professionals" on the internet.) That is the very first step, and THEN, we''ll KEEP you informed about the rest of the process, so you'll ALWAYS be 1-step ahead, instead of the other way 'round. We work with the LARGEST REALTY in TEXAS, and we're assisted by highly-experienced mortgage professionals with one of the largest DIRECT-LENDERS in the USA, who can get you the BEST rates and terms. We have assisted our clients ALL THE WAY through, and SOLD over $100 million in homes,-- FINE homes, right here in SPRING and the surrounding area;-- HUNDREDS of homes, all across the NW areas of Greater Houston-- and we'd like to help you, too. CALL US, at 281-376-8100. Joyce & Tom Dawson, Coldwell Banker United, Realtors... more
There is no quick method in determining this as it depends on many factors. You have to compare the home being built with the similar ones sold in that particular neighborhood recently. You may see a difference in price per square foot if one home has some extra features, even if they are right next door. If one home has a pool for example, then the price per square ft. may be higher than one without. Avg. price per sq. ft. is determined when you compare similar properties in a close proximity to one another. This is when it is most useful to have a real estate agent assist you in conducting a market analysis.
Call me and I will explain to you step by step what needs to be done in order to get you into a home...
I have had Clients that have worked with them for 8 to 12 months in order to get their credit to where it needs to be just by coaching them and guiding them on what they need to do and 8 to 12 months down the road they have purchased their home(s)...
let me know if I can help you....
Thank you and God Bless,
CDPE, REO/BPO Certified
TAHS, SFR, R. E. Consultant/Realtor
SIS Group, LLC
P.S. I'm now a CDPE (Certified Distressed Property Expert) one of the most respected designations recognized by the distress property industry and by most of the major financial and mortgage institutions. Foreclosure is not a solution to a distressed property/homeowner, if you or any one you know are in a situation where you have fallen behind on your mortgage payment or will be in the near future due to major change in your life, work, etc. give me a call there are solutions for your/their issue, I'd be more than glad to take a look at your/their situation at no cost/obligation to you/them.... more
Owner financing is not uncommon, but it is predominately used (in my opinion) to sell a house at a higher price or in a manner that otherwise works out significantly more advantageous to the seller than to the buyer. People who buy with owner financing usually can not buy an other way and the landlords know that.
I would consult with a Realtor and pay a nominal fee (we do it for $100) for some real estate advice, eg., that house, location, price, condition of the house relative to price, etc. That is not legal advice, as Realtors and agents are not lawyers, at least not usually.
The Realtor could advise you on collecting all of the documentation from the seller and refer you to a real estate attorney. You would have to pay the attorney a nominal free, maybe $200? This may be the best $300 you ever paid as it will protect your interests. You are the only one interested in your interests, the seller is not.
Please contact me, I would be glad to help you.
HomeBuyers Realty Co.
281.415.4004 call or text
Call Cynthia Coates from Castle & cooke 832.371.3568 or email at firstname.lastname@example.org She has done the last 17 loans for my clients and has closed them in 15 days tops. She good and will give you a game plan to increase your point within days. Tell her Isela gave you her number.... more
Please clarify, most HOA's (Homeowners Associations) have no control over water supply unless they manage that as well. Typically they do not control utilities. They can and will probably will send your back dues to collections. Suggest you get a copy of the CC'Rs you agreed to when you bought the house. They may have the right to foreclose eventually for non payment of dues. Your water may be from a MUD. They can and will shut off water after one month of non-payment resulting in a reconnection. Most are different you definitely need water day to day . HOA dues can wait a couple years before they typically do anything. Good luck
A lease purchase can not legally be executed in Texas by a licensed agent. In most cases I do a lease with a first right of refusal to the tenant with a specific time line. My feeling has always been, "Why let someone try it before they buy it". It doesn;t work.... more
Hi, my name is Joe Tarantino and my number is 281-241-9370. I have a few houses in the Spring, TX that are for sale. I may be able to help you buy a house without getting a loan or having to have a co-signer. Give me a call.... more
You need to have an inspector that has experience with mold detection. Replacing the drywall is only part of it. You need to make sure that they also replaced any insulation that may have been there and became wet as well.
If the home owner filed a claim with their insurance company, then it's on record and your insurace should see it when preparing a new policy.
If it's been mitigated correctly, then it shouldn't be a problem.... more