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Home Buying in Charles Town : Real Estate Advice

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  • Home Buying8
  • Home Selling2
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Activity 12
Fri May 24, 2013
Liz McDonald answered:
That is absolutely possible as long as you either have the cash to buy the house, or can qualify for the mortgage as an individual. How you file your taxes has no impact on deed. In other words, though buying a home may impact your taxes, how you file your taxes should not impact your ability to buy a home. ... more
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Wed Mar 27, 2013
Liz McDonald answered:
Hi Whitney,
I recommend that you talk with a mortgage specialist to answer your question. I work with a few who can actually run different scenarios for your credit and test what it would look like if you paid it off or didn't, before you spend a penny. Also, they can probably tell you what the ideal amount to pay off would be given your situation. I am always happy to recommend quality people if you want to contact me privately.

best,
Liz
... more
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Mon Nov 12, 2012
Mary Ellen Mahoney answered:
First; find out the value by contacting a Realtor for a Market Analysis.
Second; listen to what the Realtor is saying
Third; write an offer that is fair
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Tue Sep 11, 2012
Mary Cox answered:
Hello. 30 Posting Way is a re-sale, built in 2005, under contract, due to close beginning of October.
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Tue Jul 24, 2012
Liz McDonald asked:
Are you finding the Home you are looking for? With Jefferson County inventory 30% lower than it has been for the last 10 years, we are working with buyers to make offers in the first few…
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Tue Mar 2, 2010
. answered:
Thank you for your request for information. 152 Patent House Rd. has been under contract since mid-Dec. and is expected to close later this week ( per our MLS -March 6th). If you are not already working with a Realtor can I send you listings of other properties? Lynne Wiseman, ERA Liberty Realty,lewiseman@aol.com. ... more
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Sun Feb 7, 2010
Keith Sorem answered:
S
What does your Realtor say?
You have some great advice here, what you really need is someone that has seen this property, also knows the local market values and trends. Are values going up or done? What have comparable homes sold for recently?

Your Realtor's job is to take the mystery and uncertainty out of purchasing a home. If you do not have one, then find a competent Realtor. They will save you time, money, and stress.
... more
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Wed Jan 6, 2010
Sherrylynn Donaldson answered:
Dave:
Sorry I am no longer in Md, Wv.or Va, have moved to Tx, so if I can help you in Tx let me know.
Sherrylynn1@att.net
thanks
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Sun Apr 5, 2009
Vicky Chrisner answered:
Deb - I am seeing some interesting instructions coming from lenders for their appraisals. I think I'd start by asking the lender for a copy of their instructions to the appraiser. It may be that your lender is ultra conservative and therefore, the appraisers are not giving you an accurate picture of what fair market value really is. You might even consider switching lenders.

I am assuming here that you are represented by a competent buyers agent who is helping you to evaluate what you should be offering. Your agent is part of the equation here. A big part. Your agent, and the listing agent, should meet the appraiser at the property when he comes to do his visit, and supply comps that support the price; and invite feedback from the appraiser if he has any questions.

I've not had a single buyer have a problem with the appraiser. I have, however, had sellers who are shocked when appraisals come in low. One was successfully challenged and changed, and the sale went through. The other was a crazy appraiser.

In case I have misunderstood and you do not have a buyers agent, I encourage you to get one. A good one would be helping with the problem solving here. I am in Leesburg, feel free to call me anytime 703-669-3142 / vchrisner@kw.com
... more
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Thu Mar 5, 2009
Amy Salisbury answered:
Deb,

It is a good question for your lender. Generally if you have 20% equity, that's enough to not have to pay PMI. However, there have been many modifications of FHA and I am not sure what their requirement is. The lender will be able to tell you for sure. Good luck! ... more
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Thu Apr 24, 2008
Terri Evans answered:
As an agent in the state of WV, it is the buyers who offer the price, not the realtor. What I do with my buyers is I show them sold comps for the last 6 months that is close to subject property such as sq. footage, age, condition etc. If this property has some major issues and the house is being "Sold As Is" then a potential buyer might have justification of a $40K below list price offer. As an agent, I write an addendum with an explanation of items that need to be fixed and present it to the Seller's agent of why the offer is $40K below asking price. Are you working with a realtor, and has your agent showed you recent comps? I have not seen the home, and I don't know the condition of your property for the reason why the offer was $40K below list price. ... more
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