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Home Buying in 78660 : Real Estate Advice

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  • Local Info1
  • Home Buying22
  • Home Selling6
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Activity 22
Tue Oct 11, 2016
USMortgageRanger answered:
The answer is YES. I would be delighted to provide you with some mortgage options, this does not require us pulling your credit and will allow you to make the best decision for your family. I can be contacted for a FREE no obligation consultation.

Lowell Sterling
Mortgage Banker
NMLS 968898
Phone 469-347-3572
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0 votes 1 answer Share Flag
Wed Oct 7, 2015
Susie Kay answered:
Not likely with a 530 score. However, your are on the right track by rebuilding your credit. My best of luck to you!
0 votes 4 answers Share Flag
Mon Aug 5, 2013
Daphne Gilbert answered:
Pflugerville is a great community. My husband and I moved from the Wells Branch area as well about 11 years ago. The schools are good for the most part - reference greatschools.net for specific school details. The community was voted in the top 100 small towns to live in last year by Money Magazine because of the good city planning, jobs, and quality of life. The city is doing a lot of planning to prevent issues in the future like requiring park space in neighborhoods where new houses are being built, setting up Lake Pflugerville which reduced the City's water costs and helped the longevity of the water supply in Pflugerville, and strong fiscal planning. It is a great cost effective solution.

Thank you,

Daphne Gilbert
Realtor - Central Metro Realty
512-413-4490
mail_for_daphne@yahoo.com
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0 votes 8 answers Share Flag
Fri Jul 26, 2013
Tommy Burris answered:
It is YOUR house.... You can rent it out now or later


Tom Burris
Mortgage Banker
http://www.dallasloanguy.com/
(214) 763-4629 cell/text/nights/weekends(Really!!)
tburris@servicefirstmtg.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
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0 votes 3 answers Share Flag
Wed Jun 5, 2013
Laura Rosales answered:
Hi Michele, That is frustrating - I agree with the advice Bruce has given. Reaching out to their broker with concern for the agent and the request for assistance has worked for me in the past.
Best of luck to you! Laura Rosales-Realtor
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0 votes 6 answers Share Flag
Tue Jun 4, 2013
Alex Meguerditchian answered:
Thu May 9, 2013
Bobby Baylor answered:
Hard to find something that new in that location these days. Consider the area and the product.
0 votes 11 answers Share Flag
Fri Mar 1, 2013
Guy Gimenez answered:
Let's hope that in the year that's passed since this question was posted, George was able to locate a property.
0 votes 14 answers Share Flag
Fri Mar 1, 2013
Laura Rosales answered:
Kota - It has little to no true value if you are looking at it as an investment.
If you are looking for a cheap place to live run the numbers first - How much is the mobile home parks monthly rental, how much are the monthly cooling and heating bills, does the mobile home park charge for water and if so, how much is it (usually VERY high).
If you have 7000 in cash and decent credit you can buy a home that will appreciate in value, show on your credit and have low monthly utility costs (there are new homes with $85 a month utility guarantees). I don't know what your long term goals are but, I will tell you what I tell my husband all the time - Don't put money into anything that will not make money some day. Okay - now, follow your heart and best wishes to you!! Laura Rosales, Realtor - Premiere Team Real Estate 512-771-5334
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1 vote 5 answers Share Flag
Sun Jan 6, 2013
Stuart McWilliams answered:
The utility bill will vary depending on the year the home was built and the type of materials used to build it. Newer homes have energy efficient appliances and the insulation and windows of the home are also of higher quality. Also items such as the water heater and air conditiong units also perfom better. These items drastically reduce the homes utility bills. New construction homes are now pushing themselves as "energy saving homes".

For an older home built in 2003 the average electric bill is around $180 including water, sewer, and trash collection. The bill did peak in the summer around $300.

If you have any other question please feel free to email me at stuart@beyondrealtytx.com
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0 votes 5 answers Share Flag
Sun Jan 6, 2013
Sherry Hindmarsh answered:
Are you talking about Blackhawk by chance? I live in that neighborhood and in that specific example that side of the pool/amenity center gets very little traffic. I would recommend you talk to an agent that does a lot of business in the neighborhood in question so you can get specific answers to your questions from someone that knows. Call me if I can help in anyway. Sherry Hindmarsh, REALTOR, RE/MAX Capital City. Specializing in Blackhawk, Falcon Pointe, Commons at Rowe Lane and surrounding area. (512) 731-8316 or email me: shindmarsh@remax.net ... more
1 vote 6 answers Share Flag
Thu Mar 15, 2012
Robert (Bob) L Elzner answered:
I am not a tax expert, thus I cannot comment on the "negative tax implications". Depending on the type of loan that you have will determine what the lender does. If you have a FHA loan, then the house would be given back to HUD for resale and it would be at an FHA appraised value. ... more
0 votes 5 answers Share Flag
Mon Feb 20, 2012
Michael Estes answered:
Rose,
Check out the search below to confirm if the home is listed in the MLS, call you agent or the listing agent to ask them, or protect yourself and hire an agent with experience with short sales.
The link below should help.
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0 votes 5 answers Share Flag
Tue Feb 14, 2012
Kevin answered:
The short of it is no if you are the buyer, you will or can request a copy the when you close. If the property does not appraise for the amount as stated your agent or lender will be in contact with you.

BPO's are usually done for the lending institution who either owns or services the current note for a particular property.

Appraisals are usually done by lenders either writing or re-writing a note/loan for a particular property.
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0 votes 6 answers Share Flag
Tue Feb 14, 2012
Kevin answered:
My suggestion would be to hire an agent to represent you in the transaction who works the area and ask them provide you a comparative market analysis for the property, before they write up your offer.

My primary reason for saying this is that Texas is a non-disclosure state, and therefor the recent comps the public sees on line may not be accurate or reflective of the true sales amount. To have access to the actual sales information, one has to be a licensed agent and a member of the local board of realtors.
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0 votes 11 answers Share Flag
Thu Feb 9, 2012
Annette Lawrence answered:
Kristin,
That is a great question and one that most certainly should be asked.
There are many ways to do this. The easiest would be to consult your real estate professional. They have access to a number of databases that reveal occupancy, license and permit status.

A second would be to count how many homes have cars parked in the grass or lining the street, and/or poor curb appeal. Remember, no one washes a rental car. This of course is not a scientific approach, but does reveal what you are really trying to determine.

Finally, if you have access to the county tax database, you can determine the number of home that are NOT owner occupied. These non owner occupied or non-resident homes can be holiday or vacation homes (happens a lot in Florida) and not necessarily rentals. Again, not perfect, but a revealing number all the same.

Best of success,
Annette Lawrence
Broker/associate
ReMax Realtec Group
Palm Harbor, FL
727. 420. 4041
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0 votes 9 answers Share Flag
Thu Feb 9, 2012
Annette Lawrence answered:
Rose,
This is the most critical part of the short sale process. The listing agent would be well advised to control this part of the process. Your agent should be able to have a conversation with the listing agent that will identify exactly how this is accomplished and subsequently how you will be made aware.

The answer you do not want to hear is, "The BPO agent can come in whenever they wish because they have the tools to open the lock box."

Best of success in closing on your short sale.
Annette Lawrence
Broker/associate
ReMax Realtec Group
Palm Harbor, FL
727. 420. 4041
... more
0 votes 5 answers Share Flag
Mon Jan 31, 2011
Tara L. Dieringer answered:
NEVER, NEVER, NEVER pay any lender or mortgage servicing company a fee to make bi-monthly payments on your mortgage loan!!! That is just another fee (as if we need anymore fees) that banks/lenders/etc. charge their customers to make a profit. You can accomplish your goal of paying your mortgage off early and savings thousands of dollars in interest payments COMPLETELY FREE OF CHARGE by following a few important steps:

#1. Make sure your current loan does not have a prepayment penalty. You will find this information in the "Deed of Trust" (this is one of the closing documents that you signed when you initially closed on your home). If there is a prepayment penalty, then you cannot pay the loan off early without there being charged a fee to do so.

#2. You can make an extra payment to your mortgage company at any time. The key is...and this is VERY IMPORTANT....make sure you write on the 'Memo" line of the check..."APPLY PAYMENT TO PRINCIPAL BALANCE ONLY". If you pay an additional $50 per month (above and beyond your minimum monthly mortgage payment), then write "APPLY ADDITIONAL PAYMENT TO PRINCIPAL BALANCE ONLY."

I have included a link to an "Extra Mortgage Payment Calculator" that I use daily with my clients. Hope this helps!
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0 votes 7 answers Share Flag
Fri Aug 13, 2010
June Green answered:
Hi Eric,
I agree with all the comments below. But there are additional things to consider in either a foreclosure, deed in lieu of foreclosure, or a short sale. It is a complicated subject and difficult to answer in a Q & A format. Contact me directly, or attend my free information class on August 21 at 12 p.m. in my office. ... more
0 votes 4 answers Share Flag
Thu Feb 25, 2010
Emily Erekuff answered:
Hi Morolake,

You can now use Trulia to find foreclosure listings. On our results page you'll now find a selection for 'Resale', 'New Homes' and 'Foreclosure'. Access the link below to review our blog post to find out more and check out the link further below to view foreclosure listings in your area.

http://www.truliablog.com/?p=245

Best Wishes,

Emily Gibson
Customer Service Representative
... more
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