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92701 : Real Estate Advice

  • All13
  • Local Info0
  • Home Buying9
  • Home Selling0
  • Market Conditions0

Activity 12
Tue Apr 26, 2016
Ron asked:
Have an insurance agency that a loft would be perfert.
0 votes 0 Answers Share Flag
Thu Apr 2, 2015
jamsnother answered:
Wed Dec 10, 2014
kishievmohmad answered:
A risk-management product that protects lenders against loss if a borrower defaults. Most lenders require private mortgage insurance (PMI) for loans with loan-to-value (LTV) percentages in excess of 80% (the buyer put down less than 20% of the home's value upon purchase). This allows borrowers to make a smaller down payment of 3% to 19.99%, instead of 20%, allowing them to obtain a mortgage sooner since they don’t have to save up as much money. Borrowers pay their PMI monthly until they have accumulated enough equity in the home that the lender no longer considers them high risk. ... more
0 votes 3 answers Share Flag
Mon Dec 8, 2014
Annette Lawrence answered:
The down payment money goes to the buyers lender in a traditional sale.
0 votes 1 answer Share Flag
Mon Dec 8, 2014
Randy Tanner & Lindsey Racher answered:
Flag it, if you would like also try Trulia Support (888)-568-6487.
0 votes 3 answers Share Flag
Sun Dec 7, 2014
Tim Moore answered:
You are living in the OLD DAYS of property taxes. That system ended 15-20 years ago. Your personal house is tax exempt up to $500k if married - $250k single. So no tax at all if not over those amounts. It does not matter what you buy next. ... more
0 votes 1 answer Share Flag
Mon Nov 24, 2014
Rolfe Jaremus answered:
There are a lot of incorrect answers on this site. There are many conditions that determine how a lien is handled upon sale. Is the house being sold outright? Is the house being sold in foreclosure? What kind of a lien is it? Do the buyers need a mortgage? These all impact how the lien should be handled.

For example, A house that is sold at auction can be sold without a lien being paid and the buyer can take title subject to the lien. There are lots of variables and factors that need to be considered. Bottom line, consult a lawyer as this is not straightforward.
... more
0 votes 15 answers Share Flag
Thu Nov 13, 2014
Nick Santa Ana answered:
A lien is typically filed at a County Records office (for real property) or with a State Agency, such as the Secretary of State (for cars, boats, office equipment, and the like).
To remove the liens, you should:
1. Pay off the debt to the lien holder if the debt is valid. Sometimes an attorney can negotiate a lower payoff for you.
2. Request that the lien holder sign a Release-of-Lien form in the presence of a notary public. Release-of-Lien forms are available from attorneys, the county clerk's office and online.
3. File the Release-of-Lien form at the county recorder’s office. This makes the release a matter of public record. There is usually a small charge for this--the fee varies by location.
... more
3 votes 3 answers Share Flag
Thu Nov 13, 2014
Mark Lee answered:
You can get the demographic data of the Floral Park, CA for free at www.census.gov or www.searchq.com
The zip code demographic data should cover housing statistic, area crime rate, school information, social characteristic, economy, resident income and more... ... more
0 votes 7 answers Share Flag
Tue Jan 21, 2014
Liddy asked:
Sun Aug 21, 2011
Keith Jones answered:
What you may have is an adjustable loan that is fixed for 3 years and that you will be eligible to refi in 6 months, not that you are guaranteed a refi in 6 months. Find out now, If that is the case I would advise exploring fixed rate options with a comfortable long term payment at the 6 month period. You also need to find out if there is a prepayment penalty and if so, address that with your lender. A lot can change in 3 years. Proceed with caution. Many people who have lost their homes started with the "Take this loan now and there will be something better for you later" promise. For these people, later never came. ... more
0 votes 8 answers Share Flag
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