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85222 : Real Estate Advice

  • All13
  • Local Info1
  • Home Buying6
  • Home Selling0
  • Market Conditions3

Activity 12
Tue Feb 11, 2014
romee520 answered:
well since this question was asked the market has improved, but the police presence never suffered at all. One thing Casa Grande has an abundance of are cops.
0 votes 7 answers Share Flag
Sat Sep 22, 2012
ED Baum answered:
Usually as a back up offer
0 votes 4 answers Share Flag
Sat Nov 13, 2010
Michael Casey answered:
Hi Arline, I'm one of many Realtor's in Casa Grande that can help find the right home. However your first step as with all buyers is to get pre-qualified. I like to use Jim Bolster from AmeriFirst at 480-344-1949 , cell 480-678-3783 and/or jim@888own2day.com. I've been a real estate broker for 30 years and I recommend Jim for all my USDA buying clients, he's the best I've come across for doing USDA loans. Good Luck, Mike Casey ... more
0 votes 8 answers Share Flag
Thu Sep 2, 2010
Elizabeth Drew answered:
Have you spoke to your Lender about a Loan Modification? The Lenders seem much more
responsive to making loan modifications than in previous months. If the Lender is not
responsive to your requests for a modification, there is a government "watch dog" agency
to contact.

Arizona is a non-recourse state on first mortgages. Some credit card providers do freeze
you limit, others do not, when you go into foreclosure.
... more
0 votes 3 answers Share Flag
Wed Sep 1, 2010
Poonacha U. Bollera answered:
It depends on the banks, and attorney representing the person. Also depends on the income and assets of the seller.
0 votes 7 answers Share Flag
Thu Aug 12, 2010
Elizabeth Drew answered:
Yes you would qualify. Here in Arizona we also have down payment assistance for a limited time in Pinal
County and no down with USDA financing. FHA is 3.5% down, If I can be of furner help, please do not hesitate to call me.

Elizabeth
... more
0 votes 5 answers Share Flag
Mon Jan 11, 2010
Elizabeth Drew answered:
Perhaps you should become very active in your condo management association. One "red flag" for a condo complex is a financially unstable Condo Association. Lender's are now requiring a financial statement of the associations before lending in the complexs. If new owners require financing, they must look elsewhere for housing if they cannot finance the condo in your complex; thus squashing the appreciation of your property.

There has been a slow upward curve in the marketplace which is very encouraging to owners. Have you considered contacting a realtor to do a Short Sale for you or ask your lender for a deed in lieu of foreclosure?
Many owners have been very successful working with NACA to reduce the amount of their mortgages, interest rates and monthly payments. Simply log on to www.naca.com and check out your options.

Good luck and as we all are- hope for the best!!!

Elizabeth
... more
0 votes 2 answers Share Flag
Wed Sep 2, 2009
answered:
If you are still current on your monthly mortgage payments, then refinancing into a low current mortgage rate is your best option. Banks are inundated with borrowers who are facing foreclosure with restructuring their mortgages due to missing monthly mortgage payments. Please don't be mistaken with my response. I am not saying to skip a montly mortgage payment. That is the exact opposite of what you should do.

If you're current with your monthly mortgage payment and your home is underwater, and your mortgage is owned by Fannie Mae or Freddie Mac, you may be eligible to refinance under the Home Affordable Refinance Program (HARP). If that is the case, you can benefit from the incredibly low current mortgage rates.

I hope this information helps. Best of luck!

Regards,
Total Mortgage Services
... more
0 votes 4 answers Share Flag
Tue Jul 14, 2009
Shawna Rains answered:
Hi,

Depending on the conditon of the home rents in that area are going for $850-$1000. Hope this helps.
0 votes 1 answer Share Flag
Mon Mar 9, 2009
answered:
Hi Vanessa -
If you haven't had your question answered yet, I'd be happy to help. Luke's answer is the best so far. You will only know for sure if you have your application run through the automated underwriting systems. If it is not approved through that method, you can not be approved until you’ve gone 2 years since the bankruptcy discharge. If you were not on the mortgage that was foreclosed upon, then when you are past your two years you will be the only one that can be on the loan. So you will have to qualify based upon your credit and income alone. Having your credit run will not be a huge hit to your credit scores and it is the only way to see what you can do. After 60 days, it will not be a negative on your scores any longer. The credit score you are referring to may not the score we would be looking at for mortgage qualifying if you got the score by obtaining a consumer credit report. They use a different scoring model now that is not directly correlated to the mortgage scoring models used. However, pulling the consumer reports is a good way for you to keep tabs on what is going on with your credit and disputing items that should be disputed. It is very helpful to work with a lender who is knowledgeable about how to work with your credit report to maximize your scores. Planning ahead is also a great idea. If buying a home as soon as you are two years removed from the BK discharge is an important goal, then working with a mortgage professional to plan for that event is the best thing you can do to help you attain your goal. Let me know if I can be of any help!

Brian Cardenas
President / Mortgage Consultant
Antigua Capital Funding
(480) 515-1491x1
... more
0 votes 8 answers Share Flag
Sat Jul 19, 2008
Tonje Kearney answered:
All deeds of trust is recorded at Maricopa County Recorders office, you can search for deeds of trust under the owners name there. You will only get the original mortgage balance and must guess/calculate the current balance based on the deed of trust. Hope this helps ... more
0 votes 3 answers Share Flag
Sun Dec 30, 2007
Chuck Rogala answered:
Chan,
I am a local investor in Casa Grande, take a look at the paper, there are pages of homes for sale, 750+ mls listings, 150 REO's (bank owned) homes and another 100 + for lease option/rent. RIGHT TIME IS NOW. Be willing to negotiate, be willing to walk away if you don’t get what you want, and find another. I walked 2 new build communities last week, when I was done I had a stack of fliers over ½ inch thick, if you have cash to put down (20% or greater) go to a builder and make an offer, DON’T be afraid to counter offer closer to your price. ... more
0 votes 2 answers Share Flag
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