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Home Buying in Cincinnati : Real Estate Advice

  • All679
  • Local Info58
  • Home Buying214
  • Home Selling81
  • Market Conditions38

Activity 259
Mon Oct 30, 2017
Frank S. answered:
Hello Teresa, we go by your middle score of the three bureaus. You may consider 10% down FHA with fico scores between 500-579 and minimum 580 fico score may consider 3.5% down FHA. You may consider 3% down conventional from a minimum 620 fico score.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the purchase. Your scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

How much do you pay in rent and what is the maximum payment you are looking to achieve? The purchase in Mabank start from 51k for 1bd 2ba single family home.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment you are looking to afford you can be emailed listings to fit your search criteria. Check out the web reference below...
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Thu Oct 19, 2017
Kathy Burgreen answered:
These days realtors are adding clauses in the Buyers Agreement that states: you (the buyer) will pay your realtor a fee whether you buy a home or not. Briefly, realtors want buyers to pay for their time, gas, etc. Years ago, it used to be free because a realtor expected to be paid by the seller when the home closed. The issue is with all the advances in technology, sellers are selling their home by themselves which cuts out realtors. Further, sellers are getting aggressive in negotiating commission fees, so instead of paying what used to be the "standard" 6%, sellers are now asking 4 or 5% and requesting that the buyer pay the difference.

Nobody can give you an accurate answer because we cannot see the agreement you signed. I would advise you to read it very carefully.
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Wed Oct 18, 2017
Akarling35 asked:
My husband and I went into contract for a home that was owned by the bank (woman had passed away), with a 203k loan in April. Many addendums and 6 months later, we'd always get vague answers…
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Tue Aug 29, 2017
Alan May answered:
The seller cannot unilaterally change the terms of the contract. If the last addendum called for an August 15th closing date... and they didn't close (due to no fault of yours) they are in default.

Unfortunately, in order to get your earnest money back... you might have to sue (or threaten to sue) them.

Good luck.
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Mon Aug 28, 2017
Can545 asked:
I need a number--I really want to buy a house
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Sat Jun 17, 2017
Rena asked:
Hello,
I'm interested in this home (below) which is back on the market at $89,000. I feel this is overpriced being that its directly close to the train tracks. Am I wrong?

ht…
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Sat Jun 3, 2017
Kathy Burgreen answered:
You can start your offer at $189K and always go up in price. You can never start with a high price then try to go down - that's the seller's job, not yours. Therefore, see what the seller says. Either they will counter with a lower price, they will reject it outright OR they may accept it. If they counter with a lower price, try going up from $189 to maybe $193K. You may receive a "Yes." ... more
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Mon Apr 10, 2017
Bill Gassett answered:
Anyone reading this post would be wise to get their own buyers agent. There is no benefit to a buyer or seller in a dual agency arrangement. The only person who benefits is the real estate agent who makes double the commission. Dual agency should be outlawed as it harms consumers. ... more
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Sun Mar 12, 2017
answered:
Hello, I'm a mortgage professional.

It is possible you could qualify for a higher loan amount at another lender. We allows the maximum debt to income ratios under FHA and conventional loans.

I would need more details to determine if you would qualify.

If you have any questions or would like help with this you are welcome to get in touch with me.
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Fri Mar 3, 2017
AUSTIN OJIMGBA answered:
Fri Feb 10, 2017
Judy Mueller asked:
Thu Feb 2, 2017
Richard Mlinar asked:
We currently rent a 2k sq/ft loft and are looking to buy one similar to this but have not found a way to search for it.
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Wed Oct 26, 2016
Angiel68 answered:
Mon Oct 3, 2016
Angelica P answered:
Hi,

Public record means that the property is not an active listing or for sale.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
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Thu Sep 29, 2016
Angelica P answered:
Hi,

Pending means an offer has been made on the home and it is in the process of closing. That said, there are many reasons why a pending property can be re-listed.

Trulia is a platform for consumers to browse housing information as well as a tool for home owners and agents to list their properties. As a result the property listings are manually controlled by the listing agent/owner. The status of the listing is unclear to us because it is in the hands of the listing owner. My best recommendation would be to contact your agent or the listing agent for clarification on the status of this listing.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
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Wed Sep 28, 2016
Manuel asked:
I have the pre aproval letter from VA loans, what comes next? What means pending on the home post? Did I need a realtor. From cincinnati ohio
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Mon Sep 26, 2016
Karen Peyton answered:
What you need to do is speak with your loan officer, and ask them the best way to handle it - so the "means" will be acceptable to the underwriters of your loan.

He or she will tell you if you have anything to worry about...Hopefully Not!

Good luck!
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