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Bache : Real Estate Advice

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Activity 5
Mon Aug 15, 2016
Angelica P answered:

You can list your property on Trulia without a realtor. To post your home for sale by owner on Trulia, click the link below and select Submit listings for sale.

You will be redirected to our partner site, Zillow. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

Thank you for using Trulia!

Consumer Care Advocate
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Tue Oct 22, 2013
Edith Karoline Jasser answered:
Are you talking just about one outside property photo? And the listing on Trulia is a general information
of formerly sold homes? or are you talking about a full listing, with several photos and the property being for sale, then it had to be a listing agent who has/had the listing of the property.
Not sure from your asking what the situation is. One outside photo of a property is public information.
But since there is not link to the photo, hard for us to see what it could be.

Sincerely yours,
Edith YourRealtor4Life & Chicago and Northern Illinois Expert

Working always in the very BEST interest of her clients, Buyers, Sellers and Investors alike....
And always with a SMILE 
Covering for @Properties the city of Chicago, all N and NW suburbs, the fine homes on the
North Shore, and many of the W and SW suburbs, and with her trusted Partner Agents all of
the US and worldwide properties. Edith speaks French, German, some Spanish and other.....
@Properties Brokerage, 30 Green Bay Road, Winnetka, Illinois 60093
Check out my website at htttp://
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Wed Jun 16, 2010
Fonda Manwell answered:
Dear Buyer,
I'm not sure with credit difficulties but I know a lender that specializes in programs for First Time Home Buyers. His name is Steve Sivigliano with Santa Fe Mortgage/Wells Fargo. His number is 405-302-5529. Let him know I sent you and he will give you first rate service. Good luck and if I can be of any assistance please let me know.

Fonda Manwell
Churchill Brown & Associates
6447 Avondale Dr.
Oklahoma City, Ok 73116
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Thu Apr 2, 2009
Tim Epps answered:

If the needs are ONLY those that are truly minor and/or cosmetic, there should be no problem obtaining an FHA loan. In the past, FHA had much more stringent guidelines for property condition than they do today. In fact, FHA has a loan that will allow for money to be loaned in order to do renovations to the home.

The FHA 203k Streamline loan will provide for many improvements to your purchase including paint, flooring, siding, accessibility, plumbing, mechanical and even appliances. This loan is not for everybody or every home, but can be a great deal for the right buyer )or existing homeowner for refinancing to include improvements).

While your Realtor is trained and updated in their field, many times Realtors can't stay up to date with the myriad of changes that are going on in residential lending. I respect what they do for home buyers and sellers, in marketing a home and finding the right home for a buyer, and in making sure that they help you understand much of the home ownership process. But, with that said, your mortgage professional should be your trusted advisor to help you with the financial aspects of buying a home. I work with Realtors to help you get the best deal on your home.

If you have any questions about your mortgage options or specific information about the property that you are referring to, please do not hesitate to ask. I am ready to serve.

Tim Epps
Mortgage Advisor
Fairway Mortgage
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Thu Jul 10, 2008
Other/Just Looking answered:
Lending answer:

1.) Most lenders who write FHA loans are flooded now due in part to the bail out programs passed by Congress, in part to the massive layoffs in the mortgage industry, and in part to the credit crisis that has eliminated most competing loan programs.

2.) It sounds like your application is a manual FHA underwrite. Credit score is irrelevant to FHA (except that most banks have set min. scores to screen out the hopeless applications, and new legislation passed by Congress will raise rates and fees on FHA loans for most borrowers beginning July 14). A manual underwrite will take several days.

3.) A second review is common with manually underwritten FHA loans. Two situations can generate a seocnd review a.) your application has one or more elements right at the edge of FHA guidelines or b.) the lender is overwhelmed with FHA applications and must have a Delegated (DE) FHA underwriter review the work by non-DE underwriters.

4.) In a manually underwritten FHA loan, the credit report is one of six areas reviewed for approval. There is a relatively simple system for evaluating a credit report; the credit report either passes or fails. In the event of failure, the underwriter can use other credit history from accounts that do not report to the credit bureaus UNLESS there are significant derogatory accounts.

5.) Sit tight for now. If you've passed the first underwriter, chances are reasonably good that you'll pass the review. Stay in touch with the processor. You will be unable to apply for an FHA loan with another lender since your FHA Case Number is locked on the property you are buying - FHA permits just one active application and appraisal per property.

6.) You might consider gathering account histories from other sources. You will need 12 months of payment history in a statement (with payment breakdown month by month) from at least 3 other sources. Utility bills, insurance accounts, cell phones are examples of acceptable accounts. In the event the seocnd reveiw requests additional credit inforation, you'll be able to send the account histories immediately.

Don't worry. With a low debt ratio, absence of major credit problems (collections execeeding $1500-$2000, late payments in the past 12 months), stable employment for the past 18 months, you're chnaces of a an approval on a manual FHA underwrite are pretty good.
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