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Blue Ash : Real Estate Advice

  • All5
  • Local Info1
  • Home Buying0
  • Home Selling0
  • Market Conditions2

Activity 16
Thu Oct 6, 2016
John Burke answered:
Hi Manuel,

If you've already been pre-approved for a VA mortgage, your next step is to find a real estate agent that understands VA financing.
Your agent will help you determine how much to offer while also making sure that you ask for enough in seller concessions to have all of your closing costs paid for by the seller.

If you just have your VA Certificate Of Eligibility & you have not been pre-approved by a mortgage lender for a VA mortgage, then that's going to be the next you do. You need to get pre-approved for a VA loan first.

I specialize in VA financing & would be honored to help you.

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
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Tue Sep 27, 2016
Melissa.haley answered:
Pending means when a contract has been signed between seller and buyer.
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Mon Jun 8, 2015
garypuntman answered:
You probably won't be able to negotiate too much of a higher price. If you did some repairs, then I would imagine you would be able to. If you spent a lot of money on the inspection, then it would be a good idea to try and negotiate with the buyer. ... more
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Wed May 6, 2015
UpNest Top Realtors answered:
Hello Emily,

You actually can't list on Trulia as for sale by owner. You would have to pay for what is known as a flat-fee listing service to be on Trulia. Zillow is more FSBO friendly, though.

If you're looking for the best value possible, we created our service to help connect home sellers with top performing agents that compete against other agents for your listing. Because agents know they are competing, they bring out their best services and rates, sometimes lowering commission, which can help you get the most money possible for your home.

Best of luck!
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Sun May 4, 2014
Sharon Felton answered:
HOA fees are generally monthly fees. Check with the HOA rules and regs committee to be certain.
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Sun May 4, 2014
Steve Isaacs asked:
This question was asked from
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Wed Apr 16, 2014
Shifali Rouse answered:
Hi! You would be looking at lease-to-own contracts or land contract. Both are different ways to accomplish the same thing: With a lease to own, you would become a tenant and the current owner becomes a landlord and offers you an option to purchase the house within a specified period. You will need a get a mortgage at that time.
With a land contract, you purchase the property with financing provided by the seller, who becomes a lender. Title does not pass until the loan is paid off, which requires you to refinance. I am a local realtor and live in the area. I happy to assist you and answer any questions you may have.
You can reach me at 512-602-1400 or email:
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Thu May 30, 2013
George Raymondo answered:
Sleep like a baby Heather! 39% on your back end ration is a piece of cake. FYI, your Loan Officer is a ROOKIE! No seasoned LO would EVER miss a auto loan AND the fact the your student loans were NOT in deferment. The LO is an embarrassment to the industry. That's Loan Officer Training 101!
Can you imagine what would have happened if your DTI was so high they couldn't get the AUS (automated underwriting system) to accept and approve your loan? It would have been ugly for you. If one of the LOs under me made this type of mistake, I would not be very happy. Hope it all works out for you.

Best of Luck!
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Thu Feb 7, 2013
Rebecca Geiger answered:
Charleston at Blue Ash or Indian Creek across from the Kenwood Towne Center. Those are my two favorites!
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Mon Nov 26, 2012
Duane DeGroff answered:
Duane DeGroff
RE/MAX Affiliates
4895 Houston Rd
Florence, KY 41042
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Mon Aug 6, 2012
Martin Friemoth answered:
What are your credit limits on the cards? Being below 1/2 of your credit limit on a card helps a lot so say you have two cards maxed out you should pay them both down to just under 50% as opposed to paying one all the way off. Once you do pay them off DON'T close them ... more
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Tue Mar 13, 2012
Don Tepper answered:
You certainly should contact a lender, as Hermine advises. Find out what's possible.

However, you might well be better off not buying for awhile. Get your credit score up. Also, if you've got student loans, repayment is kicking in right around now. Make sure you can handle that, too. Just because you might be able to qualify to buy doesn't necessarily mean that that's the right decision for you right now.

So: See a lender. Then determine your own comfort level with the options presented.

Hope that helps.
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Mon Mar 7, 2011
James Gordon ABR SFR SRS answered:
Zach a preforclosure if the owners are interested in selling is commonly known as a short sale. Some sellers do not wish to put the home on the market and choose the forclosure route. There are people down the street from me that have not made a mortgage payment in 3 years, the home has been forclosed on twice and the action set aside. They have now been forclosed on again and are scheduled for sheriff sale.

By the way most buyers agents will not work just short sales or preforclosures as the commission rate is normally lower and the chance of a property closing is about 50/50. There are Realtors® like me that have taken the extra training and have been designated a "Short Sale and Forclosure Resource®" by the NAR®.

If you have question on the short sale process feel free to contact me.
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Sun Jan 16, 2011
James Gordon ABR SFR SRS answered:
Jackie just use professional photographers. They have much better cameras than you could justify purchasing and have the training to be able to use them to get maximum results.
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Tue Apr 22, 2008
Timothy Osborn answered:
Mold is a hot topic with lenders due to many previous losses where dangerous and toxic mold have resulted in foreclosures and homeowners walking away from properties. The key to understanding whether the issue with mold is one that is easily remedied to one that needs a professional remedy is utilizing the services of a certified and/or qualified home inspector. A home inspector can determined for the lender whether the mold is of a serious nature or not.

If the home inspector determines the nature of the mold to be toxic or unsafe the home will have to be professionally treated for mold removal. The cost of the mold removal may be a price you then could determine whether or not you were willing or unwilling to pay to continue with the home purchase. Also, depending upon the terms of your purchase contract you could possible request a price reduction or that the seller cover these costs.

My recommendation would be to discuss these issues with a qualified home inspector in your area and then remedy the situation with the lender. The appraiser will most likely be required by the lender to re-inspect the property to verify by photograph that the repairs were made. The lender should then proceed to closing without any problems.
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