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Chandler : Real Estate Advice

  • All381
  • Local Info18
  • Home Buying139
  • Home Selling14
  • Market Conditions14

Activity 407
Tue Mar 14, 2017
Nellie Juarez Brown answered:
When looking dont use the word section 8. Tell them you have a housing voucher. There are homes in Chandler that will accept it. It's just a little work. Try and find a place where the owner is the one you will be going through. There aren't many but they're out there. I just found a ;nice house in Chandler that they are accepting my voucher. You have to kind of sell yourself first. Let them know you are clean and have good references. Don't hit them with the fact you have a voucher right away. Good Luck ... more
0 votes 2 answers Share Flag
Sat Mar 11, 2017
Karen Peyton answered:
As always agent don't give legal advice. For the best answer to your question consult an attorney.
0 votes 16 answers Share Flag
Sat Mar 11, 2017
Karen Peyton answered:
Yes. You can get a mortgage with an installment agreement. Call me for a lender referral if you need help.
0 votes 1 answer Share Flag
Wed Mar 8, 2017
Angelica P answered:
Hi,

I have emailed you regarding this concern.


Thank you for using Trulia!

Angelica
Consumer Care Advocate
0 votes 1 answer Share Flag
Mon Feb 6, 2017
Tony Grech answered:
I don't know of anyone going above 90-95% CLTV on a 2nd lien HELOC or equity loan Nic. Those kind of went away when the economy collapsed in '07

Although maybe you will have luck soon if Trump repeals the Dodd-Frank Act ... more
0 votes 2 answers Share Flag
Fri Feb 3, 2017
Jim Garth answered:
Why yes, thank you for asking. I happen to fit your criteria very well. I have been originating mortgage loans of all kinds, including VA loans, for over 16 years. I have an MBA degree and extensive experience in banking and credit prior to finding my calling in residential mortgage loans in 2001. Call me today for a free no obligation consultation and pre-qualification. I'm Jim Garth, Senior Loan Officer, Peoples Mortgage Company, (480) 695-8284, jgarth@peoplesmortgage.com. I work out of our home office, which is located at 3215 W. Ray Rd. in Chandler. I would be delighted to hear from you and assist you with this important financing. ... more
0 votes 19 answers Share Flag
Tue Jan 31, 2017
Karen Peyton answered:
Raw data rarely helps but here goes... $167.69 This amount is for patio homes, town homes and apartment/flats (aka condos).

"Condo" has nothing to do with a home's (or building's) appearance. The word refers to the deeded interest in property.

To see all on the market for sale, visit: www.allchandlerhomes.com and click the condo/townhouse option.
... more
0 votes 1 answer Share Flag
Sat Nov 19, 2016
Karen Peyton answered:
No...and...No.

There aren't any non-qualified mortgage brokers since they are required to be licensed. Once they obtain a license they are "deemed" qualified.

On the other hand if one says they are a mortgage broker and he or she does not have a license, they would be non-qualified mortgage brokers and therefore likened to con artists, scammers, and low life thieves - just my opinion of course

Non-qualifying mortgage loans haven't been around for quite some time, if there were ever any at all. NO qualifying??? Eh...maybe, but that would be subject to interpretation because no lender would loan money to some one without qualification.

Oops! I misspoke forgetting the real estate debacle and economic breakdown fueled in large part by bad real estate loans to people who could never, never, ever, repay them.

What was your question again???

Depending upon your situation you may be speaking of a hard money loan or are looking for seller financing. If you're thinking Rent to Own, copy and paste this link - https://goo.gl/dms6hK - for a blog article on my website.

Call me. I work in Chandler and give you some insight and options to help you get where you want to go.

Best of luck and "Happy Thanksgiving!"
... more
0 votes 1 answer Share Flag
Wed Nov 2, 2016
Reinee Sheffield asked:
Why are the searches and homes I have saved on my Trulia App different from the ones on my Trulia website?
0 votes 0 Answers Share Flag
Fri Oct 21, 2016
Jill Scott answered:
Anyone know of a broker tour in Chandler, Gilbert in the month of Oct/Nov? Property will be listed for $599. Thanks! Jill
0 votes 2 answers Share Flag
Mon Sep 26, 2016
Karen Peyton answered:
Hi Debbie,

The only thing that comes to mind (which may help) is leasing your present home here in Chandler. You say you can't lower your price any further without bringing money to closing, so it "seems" you are not relying upon proceeds for the down payment on your new home.

If you'd like to consider that route, contact me. I don't handle property management, but my company does a great job of it, in business for 25+ years.

Leasing will take the strain off your budget in the short term and hopefully prices will increase in the next year, so "holding" a while longer may be a good idea. Of course a short sale is an option but it can have credit consequences.

That's all I got. Good luck to you!

Karen Peyton, Associate Broker
Arbor Realty
480-688-2548
... more
1 vote 1 answer Share Flag
Tue Aug 16, 2016
Karen Peyton answered:
I don't see any evidence this house is for sale or available at auction. I also do not see any evidence a NOD (Notice of Default) was filed at anytime. It appears the information presented is a mixture of fact and fiction. ... more
0 votes 1 answer Share Flag
Mon Aug 8, 2016
Steve Bernstein answered:
Low credit score mortgages are available in AZ, But these loans require higher down payments and interest rates. If you instead spend the next 4 to 6 months working on increasing your credit scores, you will likely be surprised how quickly your scores will increase!

7 Ways To Increase Your Credit Scores Quickly:

1. Pay down Revolving balances to 50% of credit lines.
2. Pay off small collections and request paid in full letters.
3. Pay off Collections & Judgements after negotiating reduced.
payoffs, &/or letters stating accounts will be removed from bureaus.
4. Build 3 Positive accounts by running small balances and paying
at least the minimum monthly payments on each card every month.
5. If you don't have 3 opened accounts, try to open, use & pay a
couple of retail store accounts &/or secured credit cards.
6. Don't run additional credit Inquiries until you are ready to apply
for your mortgage as each inquiry reduces your credit scores.
7. Then contact Steve Bernstein at www.azcentralmortgage.com
... more
0 votes 2 answers Share Flag
Sat Jul 30, 2016
Steve Bernstein answered:
Hi TJ,

I'm a Mortgage Broker in AZ with some great low down payment mortgage programs. And I have 22 years experience helping homebuyers throughout the State of AZ.

The answer to your question, is based on a few variables. For example, are you a US Citizen, a Foreign National, a Resident Alien, or a Non-Resident Alien?

Other factors include whether you have a US Fico Credit Score, or a UK Fico Credit Score, whether you will be paid in US dollars, British Pounds, or Euro dollars, and whether your mortgage amount will be less than $271,050, less than $417,00, or greater than $417,000, a Jumbo loan.

So the only way to provide you with an accurate answer, is for you to put together a brief summary of your specific circumstances.

If you are a Foreign National, the down payment and mortgage rates will be substantially higher than if you are a US Citizen, a Resident Alien, or a Non-Resident Alien. Following are low down payment mortgage loans I offer in AZ:

* 1% Down Primary Residence 700 Credit score
* 3% Down First Time Homebuyer 640 Credit score
* 3.5% Down Primary Residence 620 Credit score
* 5% Down Primary Residence 640 Credit score
* 15% Down Second Home 640 Credit Score
* 20% Down Investment Property 640 Credit Score
* 30% Down Foreign National Purchase 680 Credit Score

If you call or e-mail me with your specific circumstances, I will be happy to assist you, or refer you to someone who can. Best of luck with your move to Chandler, AZ!

Sincerely,

Steve Bernstein
Arizona Central Mortgage
www.azcentralmortgage.com

P (480) 424-7144
NMLS 1230169 / 1443346
Equal Housing Lender
... more
0 votes 2 answers Share Flag
Wed Jun 8, 2016
Karen Peyton answered:
Speak with a lender and have them determine if your scores are acceptable. Don't delay! It will take 30 to 45 days to complete the requirements of the purchase contract and the disclosures required by law of your mortgage lender. Since it's almost mid-June, you're cutting it very close to purchase by the end of July. (The end of the month requires less money out of pocket).

If you'd like a referral to a lender to get started, contact me through Trulia or my website.

Good luck!
... more
0 votes 1 answer Share Flag
Sun May 29, 2016
Karen Peyton answered:
Contact a local agent for properties that match you search criteria. These properties can be emailed to you as soon as they become available for sale.

Good luck!
0 votes 1 answer Share Flag
Mon May 2, 2016
Cindy Lacy asked:
Looking for a miracle. please check out my Blog on this site for my story.
0 votes 0 Answers Share Flag
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