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Home Buying in Claymont : Real Estate Advice

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  • Local Info5
  • Home Buying9
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Activity 15
Sun Dec 20, 2015
John Thomas answered:
Hello Marie,

Acceptable credit really depends on the loan program and the lender you are using. For example you can get an FHA loan with a FICO score down to 580 but most banks won't go below 640 or 660. If you want to use a first time home buyer program some have restrictions and some don't. For example New Castle County doesn't have restrictions but Delaware State Housing requires a 660 score and a maximum debt to income ratio of 45%.

I would recommend contacting a local lender such as myself and see what programs you qualify for. My company Primary Residential Mortgage will go down to 580 FICO score and does participate in the first time home buyer programs. Feel free to call me at 302-703-0727.

You may also want to start by going to a free First Time Home Buyer Seminar to get started and get educated. You can see up coming seminars at http://www.DelawareHomeBuyerSeminar.com
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Mon Aug 17, 2015
Jacqueline Roark answered:
Fri May 29, 2015
dmiller26 asked:
Want someone from Century 21 to help me through the process. Is this possible? If so how soon can we start.
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Wed Apr 9, 2014
Zhongqi Shen asked:
Thu Dec 12, 2013
Wayne Bartron answered:
Hi Dmcgurn,

I have sold a number of condos in the Claymont, DE area. And it would be my pleasure to assist you in acquiring the condo you desire. Please feel free to email me at homedelaware@earthlink.net and let me know more details about the features you want in your dream condo.

Thx,

Wayne Bartron
homedelaware@earthlink.net
RE/Max
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Sat Feb 23, 2013
Robert Curl answered:
As Wayne mentioned, Delaware gets lots of taxes from the corporate world, but that generally goes towards offsetting the lack of sales tax in DE. The reason property taxes are different between boroughs/townships of PA and DE is due to how schools are funded. The biggest portion of your total property tax is most likely from the borough you're living in, which is where school taxes get collected. Generally speaking the boroughs in PA with the higher borough/township millage rates (read, property taxes) also have better schools. On average, the public schools in Delaware would be worse than the public schools in areas of PA with higher property taxes.

If you're going to have kids, it would be worth it to pay the higher taxes for a better quality public education. Parents in DE generally would send their kids to private school for a better education, which far exceeds the extra cost you're paying in taxes.

If you're not going to have kids, then you're paying for other peoples kids to have a better education, which does have ancillary benefits for the area. Areas with a more education population generally have lower crime rates, and better quality of living.
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Thu Feb 21, 2013
Karla Woods answered:
Once you tell the Realtor what you would like in your condo; They will send you properties that meet your criteria!! Just spoke to a lender to double check. VA follows the rules for FHA so your Realtor should be able to at least tell which Condos do NOT qualify!! The status can change from month to month.... However some Condos can always get their loans while other not. Berkshire for example in Pike Creek has reapplied for their FHA Status. Good luck
Any questions please feel free to give me a call
302-897-9332
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Mon Jan 28, 2013
ahelem answered:
Thanks Christopher this answer was so much needed because I'm a former resident of Pennsylvania and we did need a code number for this purpose. Thanks again.
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Fri Oct 29, 2010
Steve Quintana answered:
You need a lawyer to analyze your situation. Every fact must be determined and a lawyer can do it. If you think a lawyer is too expensive, join Prepaid Legal Services for $28.00 per months for the period you need legal help. Contact me to discuss. ... more
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Mon May 10, 2010
Sean Dawes answered:
Ruth,

best bet would be to look up top at the find a pro feature of trulia and interview a few agents.

if you do not feel comfortable doing that, i can find an agent in my office down in de who can help you.


Sean Dawes
Long and Foster Real Estate
215-409-6900 ex 16
sean.dawes@LNF.com
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Thu May 6, 2010
Doris Shorts answered:
Sounds like you're looking for something with equity. A foreclosure just listed for $74,900. One that was listed at $132,500 on the same block just went under contract. There are quite a few homes, including bank owned properties, in Claymont that offer a good deal. Give me a call or email me your "must haves" in a house. I can send you some homes and also let you know what comparable homes sold for.

Doris Shorts
Realtor®, Keller Williams Realty
Email: doris.shorts@gmail.com
Direct: (302) 312-6093
Office: (302) 299-1100
Fax: (302) 299-1200
1521 Concord Pike, Suite 102
Wilmington, DE 19803
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Thu May 6, 2010
Doris Shorts answered:
If you are currently working with an agent, have the contact the listing agent to see if there are any possiblities. Otherwise, email me the address and I will contact the agent for you.

Doris Shorts
Realtor®, Keller Williams Realty
Email: doris.shorts@gmail.com
Direct: (302) 312-6093
Office: (302) 299-1100
Fax: (302) 299-1200
1521 Concord Pike, Suite 102
Wilmington, DE 19803
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Thu May 21, 2009
Jrbi13 answered:
Hi - I have a small house with lots of land (.17) immediately outside of Bellefonte. I love our house & neighborhood, but we've outgrown our house now with the addition of 2 boys (we've been here for 9 yrs), & so are looking to sell it so that we can move someplace larger. We haven't yet listed our house (still needs some tidying), but if you're interested in seeing it, I can put you in touch with our realtor. Also don't know what price range you're looking for? It's perfect for 1-2 people.

J.I.
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Thu May 8, 2008
Betsy Indianos Morrison answered:
This is a great time to purchase a home. Depending on where you currently live you might want to check first for what the county may offer you in terms of lending you money to buy your first home. They're some wonderful programs that are being offered to first time home buyers these programs might be called by Affordable House or Ships Houseing Programs. Check with your County Government to see if this would be available to you.

Your Agent will also be a great resource to you. Make sure that they have the experience to help you find different mortgage lenders that have special programs available to help you. Good Luck in your New Home!
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Mon Apr 21, 2008
Carol Succarotte Daniels answered:
All areas for home buying is competitive. North Wilmington is one of the more pricier areas however Claymont has some really good prices. Like all places you need to know where you are looking. And, another great thing there are some great mortgage opportunities you would qualify for (if they are still available) and I am not meaning as a 1st time buyer! Let me know if I can help you. Let me know what you are looking for and let's see if you qualify for some great mortgage programs available for that area.

Carol Daniels
Creative Choice Realty
302-893-3632 or
1-888-544-4022
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