Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Just Us : Real Estate Advice

  • All11
  • Local Info1
  • Home Buying6
  • Home Selling0
  • Market Conditions1

Activity 11
Sat Apr 2, 2016
Samira2424 answered:
I have a great recommendation if your concerned about your credit report and score. Call 1-800-368-4193 make sure you ask for Alicia. Worked with her last year to help remove inaccurate items on my credit report. When I was first referred to her my score was 480, 432 & 466 after 1 month it went up 39 points and in about 5 months 109 points. She is very knowledgeable on ways to legally make both the credit bureaus and creditors do the right thing, and in doing so the items fell off my credit report its been 9 months now I'm at 755 750 and 720 with Experian, but I'm still a satisfied client all I did was follow her advice. Oh she also has portal access so I saw exactly what was being done with my credit and I was able to message her when I had questions from within the portal. ... more
0 votes 1 answer Share Flag
Sat Feb 16, 2013
My NC Homes Team answered:
You're asking two separate questions. There are no first time buyer home credits being offered by the Government, those programs expired years ago. Different states do occasionally have first time buyer programs, we have them here in North Carolina, I don't know about Georgia, you will need to Google, Georgia First Time Buyer Programs and see what comes up.

Personally I would not advise looking for homes where the Seller is willing to finance you. To begin with there aren't going to be many and the only reason for a Seller to offer this is because they can't sell their home. Secondly, in most cases sellers offering owner financing are extremely savvy and are looking to take advantage of less savvy home buyers. They will charge you above average interest rates and their "contract" will definitely favor them. If you do go this route I would advise you to have an attorney review it before you sign anything.

I wish you all the best.
... more
0 votes 6 answers Share Flag
Tue Jan 22, 2013
Troy Wile answered:
visit the neighbors and ask them . is there glass between You and the cashier at the gas station. use Your own tuition we are not allowed to dicuss the make up of the population nor make up of the schools under the federal law ... more
0 votes 1 answer Share Flag
Tue Jan 22, 2013
Troy Wile answered:
does Your family member have E&O insurance if they miss something can you go after them for the neglegence Have them both do the inspection or live with out the protection of a Licensed inspector. Your family members word can not be used generally to ask for repairs and may not even be allowed on the property due to liability
Troy Wile
Re/Max Metro Atlanta
over 700 happy clients
... more
0 votes 3 answers Share Flag
Fri Dec 30, 2011
Lee Taylor answered:
Yzhao - you should call Beppy.

By the way, what exactly are these wealthy investors wondering about?
0 votes 5 answers Share Flag
Fri Jul 22, 2011
Louis Wolfson answered:

You are right it is illegal to sign for someone else to sign legal documents. But would it of been legal to rubber stamp them?

So those who signed should be punished, And those who didnt pay or reinstate their mortgages should be foreclosed on,

Without recourse there is no civil society. If everything is a bail out why should you meet your obligations and live within your means?
... more
0 votes 10 answers Share Flag
Wed Jul 20, 2011
Emily Erekuff answered:
Hi Jim,

The unique phone number that Trulia has assigned to you is part of a new product called Instant Leads, now available to all Trulia Pro subscribers. When a new lead calls this number Trulia will alert you automatically with either a phone call or an SMS message, allowing you to respond to your lead faster and increase the chances that you connect with that lead.

For more information about Instant Leads, please review the FAQs located at the link below.

Best Wishes,

Emily Erekuff
Community Moderator
... more
0 votes 5 answers Share Flag
Wed Oct 28, 2009
Commercial Appraiser answered:
Be sure to always check the LOoP a real estate directory and custom search engine.
0 votes 10 answers Share Flag
Wed Oct 7, 2009
As has been stated below, your loan officer should be able to explain the difference to you but one other safeguard that has not been mentioned yet is the new federal guidelines under HERA (Housing and Economic Recovery Act) that require the original Truth in Lending annual percentage rate (APR) and the final one at closing to be within 1/8 per cent of each other. Items that can trigger a violation of that requirement would be a higher loan origination fee, underwriting fee or other lender fees that were underdisclosed originally. So, if certain items in the closing costs are higher than they were originally disclosed to you, the lender is required to re-disclose to you three days prior to closing. So, in addition to checking the original GFE, you should also take a look at the Truth in Lending form and compare original and final APRs... Thus if here is a signficant difference in the APR, the extra $1200 may be a function of the closing costs. If not, it could be other items not associated with the loan, such as some of the items mentioned below...Hope this helps....Sam Thompson, Home Services Lending, Atlanta.... ... more
1 vote 6 answers Share Flag
Mon Jul 27, 2009
Carol Moson answered:
Sure, you can make application with as many lenders as you like but we would suggest doing some homework before doing so. When talking with a lender there are several questions you should ask that will guide you towards which lender is the best one for you to use. A personal referral is always good and if you are working with a REALTOR® he/she should have lenders they recommend, as we do for our clients.

Only one lender can order the appraisal so it would serve you well to investigate your options.

Carol Moson, CRS,ABR,e-Pro,GREEN,SRS
RE/MAX Greater Atlanta
... more
0 votes 7 answers Share Flag
Thu Jul 23, 2009
Lee Taylor answered:
Search Advice