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Home Buying in Brighton : Real Estate Advice

  • All66
  • Local Info5
  • Home Buying18
  • Home Selling2
  • Market Conditions6

Activity 22
Sun Jun 19, 2016
Loiswoods62 asked:
Thu Mar 3, 2016
Tnakraft answered:
I've spoken to the Michigan DNR...the governing authority over the lake status. There is no such thing as no wake, or no motor, or all sports designations. These monikers have been established by real estate agents so as to better sell property.
The only real..DNR authoritative... monikers are based on 'restrictions'.
Briggs lake has NO RESTRICTIONS. this info can be found on the DNR website.
this lake is under utilized, and would be in better health if 'no restriction' activity was resumed by the residents. As indicated below, somewhere along the line, a gentlemen's agreement was made to have not motors. but by whom, and for how anyone's guess.
I have lived on the lakefront for 15 years, and not one person can give me a reason for the creation of this so called agreement, or who to speak to about it.
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0 votes 7 answers Share Flag
Thu Feb 25, 2016
Sally Grenier answered:
You need to sit down with a local lender who can review all of your financial info. You don't need 20% down. For an FHA you can put as little as 3.5% down! The BK and foreclosure could be a problem, but only way to know for sure is to talk to a lender. Good luck! ... more
0 votes 1 answer Share Flag
Sun Jun 21, 2015
Noah Seidenberg answered:
Only Realtors can access the data on Trulia. Talk to the person who entered the listing in the first place. Good luck
0 votes 1 answer Share Flag
Sat Sep 13, 2014
Simon Campbell answered:
I went on the USDA website and this is what I found regarding their credit score requirements: "Eligibility: Applicants for direct loans from HCFP must have very low or low incomes. Very low income is defined as below 50 percent of the area median income (AMI); low income is between 50 and 80 percent of AMI; moderate income is 80 to 100 percent of AMI. Click here to review area income limits for this program. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance, which are typically 24 percent of an applicant's income. However, payment subsidy is available to applicants to enhance repayment ability. Applicants must be unable to obtain credit elsewhere, yet have reasonable credit histories." (Reference:

FHA's website states: "Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs. Generally speaking, to get maximum financing on typical new home purchases, applicants should have a credit score of 580 or better. Those with credit scores between 500 and 579 are, according the the FHA guidelines, 'limited to 90 percent LTV'." (Reference:
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1 vote 1 answer Share Flag
Sat Sep 6, 2014
Sharon Felton answered:
Keep your credit history in good shape, and try again in another year. Put away as much as you can (even $40/week), and by this time next year you'll have a small downpayment. Good luck. ... more
0 votes 1 answer Share Flag
Fri Sep 5, 2014
Chad Kanyo answered:
Brandon, you are just about there, I have 2 clients that worked the score up to 620 and were able to get FHA approved. Hang in there and good luck.
0 votes 9 answers Share Flag
Sat Oct 5, 2013
Johnathan Dunn answered:
Land Contracts are one of the most difficult things a Realtor will have to handle. Their lack of rules and uniform clauses put us at a real disadvanage.

Most do actually transfer ownership to the buyer. But, each is different and really must be considered on a case by case basis, with extreme attention to detail.

I beg you to NOT take a Realtor's answer for this with any certainty at all, unless they are also a Real Estate Attorney.

What you need is an attorney. They are the only ones who can guide you through the process and truly protect you. That is what we are here to do.

When you do regain posession of the home, a Realtor (like myself) would be the perfect person to determine it's market potential to a renter or buyer, and then market the home on your behalf. But, for a Realtor to give direct legal advice is wreckless and puts you in danger.

If you need a recommendation for a qualified attorney, I can provide a few. Please talk to one BEFORE you take ANY action at all. You can be held responsible both civily and criminally if you take action that violates Michigan law (even if it is inadvertantly).
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0 votes 4 answers Share Flag
Sat Jun 29, 2013
Bob Witt answered:
I'm sorry you're having problems obtaining a mortgage and I can understand the appeal of land contract financing. But there are a number of concerns mentioned. You should still work through your agent and the sellers agent. If the agents are able to obtain a copy of the appraisal they can sometimes submit other comps to help support that higher value - if there are any. While the land contract may seem good for you, another consideration has to be from the seller's side - is there a current mortgage still on the property? If there is, you both run a risk. See, the mortgage would have a due-on-sale clause in it. If the lender finds that a sale has taken place (even a land contract sale) they have the ability to accelerate the loan and demand payment in full - right now. If the seller doesn't have the ability to pay the loan off in full, the lender has the ability to begin foreclosure proceedings. If that happens, you run the risk of losing any money that you may have paid along with your interest in the property. If the condo is owned free-and-clear, a land contract may be possible, but only if the seller is not in need of the full amount of their equity. Many sellers would rather have the money now than act as a bank and basically loan you that money. If a land contract is possible (if the seller owns the property free-and-clear), your agent and the seller's agent are the best ones to help put it together, If the seller still owes on a mortgage, selling on a land contract may not be a wise thing to do. ... more
1 vote 2 answers Share Flag
Mon Feb 4, 2013
Robert Smith answered:
Most 2nd floor condos are 12-15 steps up. As Janene stated, this can vary depending on whether it's a townhouse style condo or a traditional, 'stacked' condo.
0 votes 2 answers Share Flag
Tue Dec 4, 2012
Robert Smith asked:
Examples: access to local tradesmen, recommendation to quality loan representatives, years of experience in the local housing market, ability to communicate on multiple platforms, others?
0 votes 0 Answers Share Flag
Sun Oct 14, 2012
Michelle Payne answered:
You will get your deposit back for sure and I would suggest asking for any funds back that you have paid for. Usually the seller will return any loss funds to prevent further legal issues. If they do not, you will need to look at your agreement carefully. I always put language in my contracts to protect my buyers from this.
If you are looking for a new home, let me know I can find a great short sale for you!
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0 votes 6 answers Share Flag
Sun Oct 14, 2012
Michelle Payne answered:
Hello Jan,

If you are still looking please let me know. We have a great source of Land Contracts available. I will be happy to show you all of the homes in the Brighton School District that meet your requirements. ... more
0 votes 5 answers Share Flag
Wed May 2, 2012
Bill Park answered:
Unfortunately it is becoming the new normal. My advice is make a counter to the counter. Good luck. And remember each thousand you go up on per month basis is about $4.75 +/- so a 20,000 bump is about $3.25 per day. Is it worth it? You decide. ... more
0 votes 7 answers Share Flag
Sat Jul 23, 2011
smith3gary answered:

If you go to the website below, click the map search and then advanced search you can view all vacant land for sale in Brighton or surrounding areas.

In general, the more improved a property, the more it's worth, so I cannot give you a specific value.

If you write Tim Sova he can email a more accurate price range based upon your needs.
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0 votes 2 answers Share Flag
Sun Jan 30, 2011
Bryan Baker answered:
Thanks to all that responded :) After reading Kim's answer I feel more confident in Wells asking that we get pre-approved with their lender. Also I suppose if the mortgage rates of Carrington are competitive and we lock one in for a 30 year fixed mortgage then it doesn't matter if they get the monthly check or if our local mortgage company does.

Thanks again!
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0 votes 4 answers Share Flag
Wed Sep 8, 2010
Marge M. Sells answered:
Hi Linda,
I can easily send you a list of homes that recently sold in Brighton. However,every home sale is different. You might see that two homes sold for the same price, but not have the data telling you that one had a $10,000 seller concession and the other included all the furniture.

If you just want a list of recent sales, use a Trulia search . If you want to do it yourself with internet access to our multilist data, try my website. You can set up searches and do your own comparisons. Or, if you want professional help with the data to help you identify home values, contact a Realtor like myself.

You may contact me at
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0 votes 4 answers Share Flag
Tue Aug 10, 2010
Sharon Koch answered:
You need to speak with your agent. He can contact Realcomp and try to have that corrected. You are right to be concerned because there is a big difference between waterview and waterfront. Always keep the lines of communication open between yourself and your agent. ... more
0 votes 3 answers Share Flag
Mon Jan 18, 2010
Anne Kohls answered:
Hi Cleo,

My first response would be to ask you if you are working with a Buyer's Agent. I have seen in the past few years a full cycle of responses from sellers. One and a half years ago, sellers were happy to receive an offer. Their agent encouraged the seller work with with the offer to come to an acceptable medium. Today, I see seller's refusing to respond to offers that they deem too low or "insulting". Remember, buying and selling a home is a very emotional process on both sides. You have to be careful, especially if the seller is the home owner, not to offend the seller but yet you as the buyer also want to feel like you are getting a fair deal. There is a happy medium and your agent should be able to guide you where they might be. ... more
0 votes 5 answers Share Flag
Tue Sep 22, 2009
Jdorf40 answered:
So I had trouble with my other login. I spoke with my agent today who was successful in contacting the listing agent. Apparently the owner of the home (who's in redemption until 11/8/09) has a 1st and 2nd mortgage on the home. They are both with WaMu. The 2nd mortgage has approval on the offer written. Apparently the person handling the 1st mortgage is dragging their feet a bit, but the LA is confident that it'll get approved because both mortgages will be going off of the same information.

Being a first time home buyer, this news sounded great. But I don't really like counting my chickens...
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0 votes 6 answers Share Flag
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