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Home Buying in Casselberry : Real Estate Advice

  • All75
  • Local Info5
  • Home Buying13
  • Home Selling3
  • Market Conditions3

Activity 30
Earlier today
Karen Weathers answered:
Hi,

Please reach out to a loan officer so they can look into your situation. They will usually be able to guide you in the right direction. Best wishes to you.
0 votes 1 answer Share Flag
Sun Aug 7, 2016
Erikamkacso answered:
what is exactly included in the HO moneys, is grass cutting of all house laws included, what about house paintings?
0 votes 4 answers Share Flag
Mon Apr 18, 2016
Diane Christner answered:
I would suggest speaking to a FL real estate attorney (if the property would be located in Florida) before doing anything. Most of the people responding to questions here are real estate agents, and as agents we cannot offer you legal advice. Spending a few hundred dollars now for proper legal advice is definitely better than spending thousands to hire an attorney later on if you make a mistake in taking title that allows your husband to make a marital claim on your new property. ... more
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Mon Jan 18, 2016
USDAMTGHUB answered:
As for the USDA mortgage, please read below for all the information you need.

USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
Ph: 800-691-8826 (7 days a week)
www.UsdaMortgageHub.com
... more
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Sat Aug 1, 2015
Janet Lynn answered:
Yes, Tumbleweed is in a 55+ Community. The lot rent is 385.00 monthly.
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Fri May 22, 2015
Stephanie Adams answered:
Hi Donna
I'm a senior oan officer. We are able to provide financing for individuals with credit scores in you range. We can also review how to increase your score as well. I'd be more than help to assist you through the process. Please feel free to reach out to me.
Stephanie Adams
Senior Loan Officer NMLS # 1001484
1511 N. Westshore Blvd. Suite 260
Tampa, FL 33607
Direct (813) 377-2226 Fax (813) 377-4071
Mobile (678) 296-2488
... more
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Sat Feb 14, 2015
Karen Weathers answered:
Congratulations on your upcoming retirement! Winter Springs is a wonderful city with lots to offer. You may want to consider a new construction home in the area. Some home builders have been giving some good incentives recently, especially if you go with their preferred lender. If you would like a list of new home builders in the area, please let me know. Thanks and best wishes with your move and retirement! ... more
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Fri Oct 3, 2014
whitacre211 answered:
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Wed Jun 25, 2014
Bill Eckler answered:
Do you get the feeling that someone doesn't know what they are doing? And I'm not talking about you.....if so, you may be onto something!

Bill
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Wed Jun 25, 2014
Lisa Foster answered:
Sally is correct, when you pull up this address on Trulia its simply Public Record information. You can double check in our local MLS.
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Wed Jun 25, 2014
Kawain Payne answered:
if the buyer has a low credit score, the Co-op can certainly deny the application

Kawain Payne, Realtor
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Sun Jun 22, 2014
Sally Grenier answered:
As a buyer, your closing costs will primarily consist of loan costs (i.e. origination fees,points, etc.) plus you'll have a title fee for your loan, and other costs such as recording fees, title company closing fees, and pro-rated amounts for things like taxes, insurance and interest.

Do not confuse closing costs with down payment. Down payment depends on the type of loan you're getting. With an FHA loan, you can put as little as 3.5% down. The more you can put down, the better off you'll be. Anything less than 20% down will require private mortgage insurance (PMI) which is another cost that can either be paid up front (as part of your closing costs) or added to your monthly payment.

I would suggest you start by talking to a lender who can review all of your financial info, and see what you qualify for. They will also give you a "good faith estimate" (GFE) that clearly breaks down all of your costs.

Next step would be to find a good Realtor who can work for you as a Buyer's Agent. Once you find a property you like, you can sometimes negotiate to have the seller pay all or part of your closing costs. Good luck to you!
... more
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Mon Nov 18, 2013
Elmira Morales asked:
than why did verandah properties scam me and take my money of 110.00 credit check, say I don't qualify--my score is 644.......
0 votes 0 Answers Share Flag
Thu Sep 26, 2013
Al Norman answered:
There are no assumable loans currently being written and if you do find and old one the interest rate will be a lot higher than the current market interest rate as well as you would still have to fully qualify for it. I would suggest you try to qualify on your own. If I can help in anyway please click on the link below in the web reference. ... more
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Thu Sep 26, 2013
Al Norman answered:
There is no issue with you having aluminum wiring in your home as FHA does not have a guideline stating that it is not allowed. I hope this helps.
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Mon Sep 23, 2013
Jim Simms answered:
The mortgage underwriting guidelines are there to protect you more than the lender. Anything you do to try and “work around” them substantially increases your risk. I say this because with long term rates as low as they are now there must be some reason you don’t arrange financing through a federally supervised intuition.

Forget the scam stuff, what happens if the seller dies, gets divorced, sued, goes belly up, has the existing loan called due because he signed a contract with you, etc.? Exactly, even if you don’t get scammed people get hit by busses. Fix your issue, then buy a home, good luck,

Oh, btw, lenders will not approve you taking over payments if you don't qualify so don't spend a lot of money thinking it is just between you and the seller, it isn't.

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
... more
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Thu Aug 22, 2013
Brian Nguyen answered:
It's hard to fully understand this with just "bad credit" but you just have to shop around with different lenders. Although the usual minimum for many lenders is around 620, there are other lenders out there can still get you a loan. Fortunately, there are some lenders like myself that can give out loans with a credit score as low as 580 and there are other lenders that want as high as 680 or above. I would recommend that you check out different lenders and see what you can get. Either way, you should still work on your credit score because it will be to your future benefit. The most effective way to fix your credit score is to pay your revolving credit card balance and debt.

I hope this helps! If you have any further questions or if you need a loan, feel free to contact me through the information on my profile page.

Good Luck!

Brian Nguyen
Sr. Mortgage Banker
NMLS # 659743
Phone: 949.667.2887
brian.nguyen@nafinc.com
... more
0 votes 5 answers Share Flag
Tue Aug 6, 2013
Tony Grech answered:
They can be. More accurately, the GAINS from the home can be. For example, if you sell a home for $200,000 you generally aren't taxed on that full amount. It's based off of what you paid plus improvements or the cost basis of the home. If you bought the home for $100,000 and put $20,000 in improvements into it (need receipts!) then your potential amount that could be taxed on an $80,000 gain.

If you did not live in the home for 2 consecutive years of the last 5 then you would normally be taxed on the gain unless you purchase a like property with the gains.

However, if it was your residence then as Steve said the gains are normally tax free up to a certain limit.

You should consult a CPA for the exact rules for your specific situation. I'm no tax expert but I did stay at a Holiday Inn once!
... more
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Sun Jun 9, 2013
Deanna answered:
EBAY
Item number:
190853854868
Quantity: AS MANY AS YOU NEED Type: DOCUMENTS
Theme: 100% FULL VERIFICATION

ARE YOU APPLYING FOR A AUTO LOAN OR HOUSE LOAN AND HAVE NO PROOF OF INCOME? ARE YOU SELF-EMPLOYED AND TAX RETURNS ARE NOT ACCEPTED. 100% SATISFACTION GUARANTEED. FULLY VERIFIABLE THROUGH PHONE OR FAX, YOUR LOCAL AREA CODE NUMBER FOR VERIFICATION.

YOU GET PAY STUB FROM A LOCAL BUSINESS IN YOUR AREA
MAKE AS MUCH AS YOU WANT OR AS LITTLE, YOU TELL ME
HAS VERIFICATION NUMBER SO NO HASSLE WHEN APPLYING FOR ANYTHING
ALL YEAR TO DATE INFORMATION AND TAXES FROM YOUR STATE ARE COMPLETELY ACCURATE. USE AS MANY TIMES AS YOU NEED TO

WILL EVEN VERIFY DATE OF HIRE, POSITION AND PAY INFORMATION
... more
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