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Home Buying in Celina : Real Estate Advice

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  • Local Info0
  • Home Buying9
  • Home Selling1
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Activity 10
Thu Aug 3, 2017
Krystal Dorsey answered:
Everytime you call warranty to come out and fix something they come up with every excuse not to fix it. Run as fast as you can. Once they get you to sign a contract customer service goes out the window ... more
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Fri Apr 17, 2015
Bryan Karlan answered:
This sold on Feb 13th and is now back on the market by the gentleman who bought it. You can view the current listing here; ... more
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Tue Apr 14, 2015
lynnnchase9 answered:
I believe that this will depend on the HOA in your area. I would get a hold of them and ask them all of the requirements. They should know how to help you and what information you need. Not only that, but they can also help answer any other questions you may have. I would definitely start there! ... more
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Mon Feb 23, 2015
Amy Arey answered:
I have a few loan officers I work closely with who have done USDA loans for my clients. There is an income limit but it opens up doors in RURAL areas in that you do not have to pay a down-payment. Contact me if I can be of any assistance in guiding you through the process or connecting you with a loan officer who is knowledgeable of this type of loan.

-Amy S. Arey, Realtor
Halo Group Realty, LLC
... more
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Thu Feb 6, 2014
Bryan Karlan answered:
Prosper will probably be a more high end area. The Gates of Prosper will be getting built by Jerry Jones starting later this year and it will be high end shops and bars and restaurants and high density living and a medical center, etc... Celina has many high end homes, but it appears that Celina will go towards a more mainstream type development over the next few years. Similar to Frisco, where you have many well priced homes and some areas that are very well to do. Prosper's median home price is $100k more, last I looked, than Frisco. ... more
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Tue Apr 24, 2012
T.E. & Naima Sumner answered:
You can ask for an appraisal review, but otherwise it will stand. Worse, if the appraisal was for a loan guaranteed by FHA, the appraisal will persist uncontested for 180 days for anyone trying to use FHA.

Generally, an appraisal review will analyze the appraisal and give an opinion of its following USPAP rules. The value will not change; however, the appraisal may be rendered unacceptable by the lender if the rules weren't followed. In that case a new appraisal would supplant the old one.

Ask your Realtor about having some appraisal review work done.
... more
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Fri Apr 20, 2012
Brian Rayl answered:
Homebuyer, (seller in this case),

The problem with using tax valuation is one thing: Did an appraiser ever come out to your house to do the tax appraisal? The answer is no. They use a system where they value everything virtually the same based off of their information.

Your real estate agent as well as the buyers agent should have printed out numerous comparible properties to provide to the appraiser. Did your agent or the buyer agent meet with the appraiser and give them this information?

If the foreclosures are in your neighborhood and are comparible to your property, then yes the appraiser has every right to use these homes. However, you said that your home has had multiple upgrades so I would then ask if either your agent or the buyers agent printed out the photographs of the sold foreclosures and provided those to the appraiser. Condition of the property is an important aspect of an appraisal.

You have every right to dispute the appraisal. Often what happens is they will go back to the appraiser and tell him that you are disputing the appraisal based on what ever reason you give. You (and your agent) have to provide these comps and pictures now to the bank with a detailed statement as to why you are disputing the appraisal, why you feel that the comps that the appraiser used were not appropriate for your home, and why these other comps that justify a higher price would be more appropriate. They then ask the appraiser to review the information and then give a second opinion.

A dispute can be resolved very quickly, or it can take a lot of time. If the appraiser stands by his original valuation, you might be out of luck, especially if this is an FHA loan.

Sorry for the bad luck, but tax value is almost ALWAYS incorrect anyways. I hope you were not using that as your basis for a selling price. Surely your agent pulled the comparibles for you, right?
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Wed Jun 29, 2011
Maxineb67 asked:
Sat Nov 27, 2010
Morrighu answered:
I bought my current house well below the tax appraisal and it's pretty simple to have it lowered. State law says that they cannot value it on the tax rolls for more than it is realistically worth. Since you bought it for that and I"m assuming that it's been for sale for some time, all that you must do is file a protest with the county tax assessors office within 30 days of the purchase of the house. They should lower the valuation to what you paid for it. You will also want to be sure to file your homestead exemption, if you are able to do so, as this will also lower your property taxes.

That said, if you cannot afford the taxes at the current valuation, this may not be the house for you. As the market picks back up, the county will start re-valuing properties and your taxes will be back where they are now in fairly short order.
... more
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