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Home Buying in Appleton : Real Estate Advice

  • All86
  • Local Info5
  • Home Buying27
  • Home Selling9
  • Market Conditions4

Activity 36
Tue Aug 1, 2017
Russian9 answered:
you should ask for it to be split-it's a transaction that is taking place. Just because traditionally it's done one way doesn't mean it should. Paying for your own relator plus the buyer's relator doesn't make any sense. It's like in a divorce the seller is paying for both their own and there soon to be ex-spouses! It's a rip off. Each party should pay their own and stop this nonsense about the house is being sold. That is the objective but who ever came up with paying for every bodies needs to go back to some basics-each party should be responsible for their own needs and that's all. ... more
0 votes 22 answers Share Flag
Thu Jun 22, 2017
Kathy Burgreen answered:
Buyers should not be paying a fee to their realtor. Realtors working with buyers are paid from the proceeds of a sale when a home is sold - by the seller. I am noticing that realtors are starting to charge fees to buyers to compensate then for expenses they already spent with other clients. To me this spells GREED. Tell your realtor that you refuse to pay the fee and to waive it. For realtors that refuse to work with buyers because they don't want to pay the fee deserve to have negative reviews written online. ... more
0 votes 1 answer Share Flag
Sun Jun 18, 2017
Hi Mmedina1973,

Yes, the VA will automatically waive the VA Funding Fee as long as you have a service connected disability rating of 10% or more.

Some states will even waive your property taxes if you're a 100% disabled Veteran.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online:
NMLS# 787231
... more
0 votes 1 answer Share Flag
Tue Dec 29, 2015
aswifka asked:
Is this some kind of trick the seller is trying to play to make it look like a price drop? It's pretty annoying.
0 votes 0 Answers Share Flag
Thu Dec 17, 2015
Travis Anderson answered:
YES, you should bother. Call a lender that can lay out a plan for you and a timeline. That way, you can be excited to get going on a plan to buy, even if it isn't in the spring. Don't delay, the sooner you take action on a plan, the sooner you can buy. ... more
0 votes 1 answer Share Flag
Fri Feb 20, 2015
Steven D Arendt answered:
I think you would have a couple of options when wanting to purchase a non warrantable condominium unit. One option that I have used with my clients is that the seller could possibly hold 15% of the proceeds and the buyer would put his 5% down. This will give the buyer his 20% down to move forward with the loan and ultimately ownership of the condo unit. This is a portfolio loan using direct funds from the bank itself so more than likely the Bank will approve because the underwriter requirements are not as strict. Both parties are usually more than happy with this type of agreement. The payment on the second is minimal and the buyer can usually re- finance the second rather quickly. Recently a handful of banks have been offering first time home buyer options for non warrantable condos that do include a 5% down option with discounted closing costs. I know that Anchor Bank is using this first time home buyer product for non warrantable condos. Your credit score is great and as long as your debt ratios meet the underwriters approval and there are no other credit issues I think you can obtain a loan. ... more
0 votes 1 answer Share Flag
Wed Feb 11, 2015
Alex LaRoux answered:
I would have your agent do a CMA (market analysis). Look up the stats listed below in other responses or have your agent do so. I have also found at times having a buyer write a short letter explaining why they are offering what they are and a little about themselves can help.
Ultimately if it is listed with an agent I believe it all comes down to how the agent presents the offer to the seller. If the say " I got a cruddy low ball of an offer" , they are not setting the transaction for success. If they present it in a more positive manor and do a good job as an agent the seller should not be offended.

Also consider the strength of your offer other than the price. Are you asking for personal property"this often upsets sellers" , are you sending the offer with a pre approval, are you asking for a home selling contingency?

I often recommend to my sellers not to write a contingent offer and wait so we can write a stronger offer once I sell the current home and get them a better deal.

Hope this helps

Alex LaRoux
... more
0 votes 3 answers Share Flag
Tue Dec 30, 2014
Caleb Hart answered:
I've always heard that you can get home inspectors to take a look at it. They seem to know a lot about materials and how they look after so many years. I can't imagine there are many homes out there that have roofs that are younger than the house itself. I would start making some phone calls. ... more
0 votes 8 answers Share Flag
Tue Aug 26, 2014
Amy Williams answered:
Try clearing out your cookies.
0 votes 1 answer Share Flag
Tue Aug 5, 2014
Gerry Lambie, ABR, ASP answered:
I am a buyers agent in the Appleton, WI market and in this area it is not necessary to have both. Our real estate liscense allows us to fill out the legal forms for the offer to purchase. But there is so much more that goes into the process before getting to writing an offer. If you want to hire a buyers agent there is no cost to you if you purchase a home that is for sale on the market with a real estate company. The seller has agreed to pay a commission for the sale of their home when it is listed. All companies work in cooperation with each other so your agent will work with the other agent with your offer. It is always best to be knowledgable of the home buying process and take it step by step to assist you in making a smooth transaction. It is always most beneficial to you to have a preapproval from a lender when it comes to negotiating a contract. A seller feels much more comfortable working with you. What an exciting time for you. I specialize in first time home buyers if there is any assistance that you need.

Gerry Lambie ABR, ASP
W.E. Smith Realty, Inc.
... more
0 votes 5 answers Share Flag
Sat May 3, 2014
Dorothy Bass answered:
The VA is trying to look after the vets. They do not allow you to buy a house in disrepair. You are getting a government insured loan. I have seen a VA loan turned down over lesser issues than you described. The issue you describe sounds pretty serious. They only way that you will be able to move forward with this purchase is to have the seller correct the problem. Sounds like the seller is already giving you a deal.

As far as the appraised value, price has nothing to do with the disrepair. As an agent, I always try to be very careful to not have my client contract into a home that won't pass the underwriters scrutiny.
... more
0 votes 2 answers Share Flag
Thu Apr 17, 2014
Craig Zappin answered:
It sounds like you are being quoted for replacement cost insurance. I recommend calling three insurance companies and comparing quotes and coverage. Make sure you are comparing "apples with apples" and go with the one you feel best meets your insurance needs and budget. ... more
0 votes 1 answer Share Flag
Fri Feb 7, 2014
Scott Godzyk answered:
It will depend on a number of factors. Speaking to a cpa and or tax attornney may be needed to see if you qualify for IRS debt forgiveness and if your state has a state tax you may be liable for. ... more
0 votes 4 answers Share Flag
Wed Nov 20, 2013
Nan Brennan answered:
Thank you for asking, that is a great question and I would love to help you. Feel free to contact me and I can put you in contact with a reputable lender that has zero down programs. ... more
0 votes 7 answers Share Flag
Thu Aug 15, 2013
Valerie Hall answered:
You are getting great advise so far. Another thing to check on is....did the seller take out a home warranty when the house was listed? That may cover the ac unit. Then that may solve the whole issue. Depending on the home warranty, the deductible is either $75 or $110. Good luck! ... more
1 vote 6 answers Share Flag
Sat Jul 20, 2013
Nan Brennan answered:
Sat Jul 20, 2013
Santiago Kensel Sanchez answered:
Sat Jul 20, 2013
Santiago Kensel Sanchez answered:
Fri Jul 19, 2013
Mandy Fritsche answered:
There are a few ways you could go about this with financing... you could have your parents gift or loan you the money for down payment so that you get your debt to income ratio inline so that you can use just your income or your parents are able to be non-occupant co-borrowers on the mortgage for you. If you would like to discuss all your optioins please contact me directly. I am a local lender located in Wisconsin!

Mandy Fritsche, Prospect Mortgage, Mortgage Loan Officer, NMLS# 557211
262-327-5700 Cell, 877-868-9198 Fax,
... more
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