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Home Buying in Belleville : Real Estate Advice

  • All59
  • Local Info3
  • Home Buying22
  • Home Selling0
  • Market Conditions2

Activity 32
Thu Dec 1, 2016
Mjbutzin asked:
They are selling it as a as is where is not willing to pay for anything any tips on how to move forward my mortgage lender wants me to get them to pay 500.00 at closing
0 votes 0 Answers Share Flag
Thu Mar 12, 2015
OC Hunter answered:
You can get a free basic property report at that has ownership information, tax record, mortgage, liens and even possible foreclosure activities.

If you want more detail and document images, you only pay a small fee to get a comprehensive property report. ... more
0 votes 2 answers Share Flag
Wed Jul 16, 2014
Leigh Ammon answered:
This home was sold for $200,000 with seller concessions of $6100. It was sold January of 2013
0 votes 2 answers Share Flag
Wed Apr 30, 2014
Sheryl Alridge Warren answered:
I would be happy to provide you with a list. Contact me at
0 votes 1 answer Share Flag
Tue Mar 25, 2014
Simon Campbell answered:
If you are looking for a website that offers up to date foreclosure listings, I would like to recommend It is a leading website database that contains over two million foreclosure homes, including bank foreclosures, government foreclosures like VA homes and HUD homes, distressed properties and commercial properties that are for sale all across the nation. All of the listings have had any outstanding liens eliminated and the title is free and clear. We also update our extensive collection of listings every day.

I did a quick check for homes in your area and I found 75 active listings starting at $25,900. Here is the link to check it out:
... more
0 votes 2 answers Share Flag
Mon Feb 24, 2014
Tim And Crystal Senne asked:
How much is it listing for? Also, is it mortgagable and eligible for the RD loan?
0 votes 0 Answers Share Flag
Tue Oct 22, 2013
adryden10 answered:
Hi Tim and Crystal,

My name is Amanda and I am a Loan Partner to Steve Stork at Summit Funding.

We would need to verify a minimum of two years experience in the same line of work. As long as your new jobs are equivalent to your previous, you should be okay!

If you would like to discuss in more detail the mortgage preapproval process, I would be more than happy to start that for you. You may call me directly at 248.409.3982. The process takes roughly ten to fifteen minutes so it is very convenient!!

Please let me know!
... more
1 vote 5 answers Share Flag
Wed Oct 16, 2013
Kathy Persha answered:
Tim and Crystal,

The downpayment depends on the type of loan. If you are approved for an FHA, then the required downpayment is 3-1/2% of the purchase price. Of course, with FHA, you can also ask for up to 6% in concessions from the seller to help pay for the closing costs. Usual amount of concessions, however, is 3%.

With a conventional loan, the amount of downpayment depends on your approval from the mortgage company. It can be anywhere from 5% to 20%. Typical is between 10% and 20%. Of course, if the downpayment is less then 20%, there probably will be PMI (mortgage insurance) added to the monthly mortgage payment as well.

To get a better answer, you really should speak with a lender. If you need recommendations for a lender, just let me know and I'll be happy to send you some names.

Kathy Persha, Associate Broker
Keller WIlliams Realty
... more
0 votes 1 answer Share Flag
Tue Oct 8, 2013
Lender - Andy Ruedisueli answered:
FHA will allow you to purchase a two unit home. You will occupy one unit for your own occupancy and can rent out the other. You have to qualify for the home without the rental income from the other unit. That is the catch. If you can qualify without the rental income then you have a shot. You can reach me at (248) 229-6008. My name is Andy and I work for First Independence Bank. NMLS 771038 Also vist ... more
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Tue Oct 8, 2013
Lender - Andy Ruedisueli answered:
I am a mortgage lender serving the state of Michigan as well as surrounding states. I have been in this business for 16 years. I have ways of cleaning up credit. If there was an extenuating circumstance causing the credit probmems and we can prove it there are ways to work through that. However, we will have to document ALL of the bad credit as a result of that circumstance. If there is a foreclosure or bankruptcy that does complicate matters. If you want to complete an on-line application I will reach out to you. Visit or call me directly at (248) 229-6008. My NMLS # 771038 you can look me up on the national registry to verify the lender I am employed by - First Independence Bank. Thank you! - Andy ... more
0 votes 2 answers Share Flag
Fri Apr 12, 2013
Belle Villa Neighbor answered:
The property management company has assumed tons of debt for replacing heating units this year. They are terrible with paperwork and have poor billing practices in that they can never calculate payments properly. I WOULD NOT BUY THERE! ... more
1 vote 1 answer Share Flag
Thu Mar 21, 2013
Belle Villa Neighbor answered:
Thu Sep 13, 2012
Andy Hargreaves answered:
As Karen said, contact the bank that holds the mortgage.
If all is good, you are two years past discharge date and should be able to attain optimal lending conditions.

If you need a good referral to another lender, please let me know. ... more
0 votes 2 answers Share Flag
Thu Aug 30, 2012
Eric Michael answered:
Scott is right. They're usually a lot harder on things.

I work the Belleville market, and have done plenty of VA and FHA deals. The only thing that VA is more stringent on is that they want a termite, or wood boring pest, inspection.

Let me know if you need any help.

Eric Michael

... more
0 votes 3 answers Share Flag
Tue Aug 14, 2012
Ccd answered:
You'll want to show that you can afford a payment. Getting a copy of your credit report and ensuring that it's correct is the first step. Dispute anything incorrect (I know when there's not so great stuff on there, it's hard to go through it all, but it will help) Start making any payments you have on or before the due date every month. Also, you'll need to have money put aside for a down payment, so if you don't have it, start saving now.

Go to your local credit Union, they may be able to help identify the specific ways to build your credit. Many also have a full service mortgage department, and they can can talk to you about various financing options. I work at a Credit Union that's great at this.

Your SSI income is not an issue at all, as long as it's sufficient to cover your new payment and other obligations with enough left over for reasonable living expenses. You'll want to s
... more
0 votes 1 answer Share Flag
Fri Aug 10, 2012
Christopher McKenna answered:
Yes, the property does currently have an accepted offer. Van Buren has other comparable homes available. We would be happy to send you information for homes as they come on the market as well as current available homes if you would like. ... more
0 votes 1 answer Share Flag
Tue Jul 3, 2012
Vicky Chrisner answered:
I am wondering if "Sue" above is "Ro2usa" below?? Sue - the agents below gave you good insights, including market specific info.... I'll just add that there is more than price and whether or not you need a loan - type of loan, the prequal letter, the lender you chose, the down payment, EMD, closing terms, inspection contingencies, etc etc all matter. Your agent should be able to give you an answer. Sometimes, there are 10 offers and only one can be accepted... so you will have to put in great offers on 10 properties to finally get the "right" one (statistically). Your agent should be able to advise you.

As for "Ro2usa"... I don't know that agent, but under no circumstances should a buyers agent be sending you to look at properties by yourself and the other behaviour you mentioned is absurd. Ro2usa needs to find a new agent.
... more
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