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Collinsville : Real Estate Advice

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  • Local Info1
  • Home Buying3
  • Home Selling0
  • Market Conditions0

Activity 18
Thu Jun 15, 2017
Faith T answered:
Hi,

The photos have been removed from our display as you requested.

Thank you for using Trulia!

Faith
Consumer Care Advocate
http://www.trulia.com/help/ask/
0 votes 1 answer Share Flag
Sun Jan 29, 2017
Stephanieyarbrough95 answered:
Go to metrostlouis.org and either call or type in your trip.
0 votes 2 answers Share Flag
Mon Aug 22, 2016
Karen asked:
Thu Aug 11, 2016
Angelica P answered:
Hello,

Please follow these instructions on how to edit your home facts.This includes editing the number of bedrooms/bathrooms, square footage, home features, description and more.



Sign into your Trulia account. If you do not have an account, you must first register in order to update your home facts.

If you haven't already claimed your home, navigate to the property page, go to the "Edit Home Facts " button and verify ownership.

If you have claimed your home, click on the same "Edit Home Facts" button to update your home facts.

Make sure to select Publish Updates at the bottom of the page.


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
... more
0 votes 1 answer Share Flag
Sun May 22, 2016
Stevi asked:
I'm looking for any guidance in being approved for a FHA loan. From what I read you need at least a 580 fico score and be employed at the same employer for 2 years. I'm currently…
0 votes 0 Answers Share Flag
Tue May 27, 2014
Aaron and Cheree Tiry answered:
Have you checked out the "rent" section at the top of Trulia? There may be something in there. Otherwise you could also check Craigslist.com to see what they have for posted for rentals. ... more
0 votes 1 answer Share Flag
Sat May 3, 2014
Michael Abramsky answered:
Here are 4 tips to help you improve your chances of getting a mortgage within the next 12 months.

1. Pay your bills on time.
Payment history makes up 35% of your credit score, and although you may have had past issues with paying your bills on time, stringing together a full year of on-time payments will show lenders and creditors that you have made a commitment to get your finances in order. The greatest benefit of paying your bills on time will of course be to your credit score.

2. Limit your inquiries.
Inquiries account for approximately 10% of your credit score and having too many of them will lower your credit and make it a lot more difficult to obtain a mortgage. So make a commitment to stop applying for credit for a period of 12 months. This means no new cell phones, credit cards, or any other loans where your credit will need to be checked.
This may not be the easiest thing to do, but consider that after just 12 months, you will be in a prime position to get the home of your dreams.
So practice some self control and don’t incur any new inquiries.

3. Pay Down your Debt.
If you have debt, whether it is credit card, auto loan, or personal loan, you need to reduce it.
Approximately 30% of your credit score is calculated by how well you manage your debt and ideally, your credit utilization rate (the ratio of your debt balance to your overall credit limits) should be at or under 20%. (Example: If you have a credit card with a $1,000 limit – your balance should never exceed $200.)

Also, under new lending regulations, consumers who attempt to get a mortgage will need to have a debt-to-income ratio of 43% or less. This ratio will include the potential new mortgage payment.
This means that at the max, 43% our monthly income will have to cover all of your debt payments, as well as your mortgage payment. And the only way to lower your debt-to-income ratio is to either increase your income or decrease your debt. Considering the mortgage lender will be looking at your average income over the last 2 years, paying down your debt may be the only realistic way of lowering your debt-to-income ratio.

4. Fix your Credit.
If you have derogatory accounts in your credit reports that are lowering your credit scores, they will need to be addressed. Fixing your credit is quite possibly the most financially rewarding investment that you can ever make. But make sure that you do your research before doing it yourself or hiring a credit repair company to help you. Here is an article which will help you get started to fixing your credit.

Follow this short guide to get your credit ready to get a mortgage, and you’ll be a homeowner in just 12 short months.
... more
0 votes 5 answers Share Flag
Wed Mar 12, 2014
Mike Kirksey answered:
Most agents will do a quick CMA or provide comps to for you for free. An appraisal by a licensed appraiser may carry more weight. But will cost you $250.00-$400.00 Hope this helps.
0 votes 5 answers Share Flag
Wed Mar 12, 2014
Mike Kirksey answered:
The actual transfer of property through a foreclosure will not show up as a sale. It will show that it is a foreclosed property if it is listed for sale with an agent.
0 votes 2 answers Share Flag
Fri Sep 27, 2013
Riccardo Wardlow answered:
its super easy, ive done it myself several times as i am a vet as well.

Riccardo Wardlow
Owner
Quality Mortgage Lending
630-670-8266

RATED A+ WITH THE BBB

*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 620 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 620 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
*We do Itin loans
... more
0 votes 8 answers Share Flag
Sat Sep 7, 2013
Mike Kirksey answered:
Are you are buying it for your personal residence or as an investment?
0 votes 3 answers Share Flag
Fri Jan 18, 2013
Margaret Mlekush answered:
Okay Kris ---------It was a one story red brick house built in the 50s that had had an addtion to enlarge it to about 2000 sq feet........It was somewhere east of St Louis but not as far north as Taylorville nor south of Collinsville........IT looks like I wrote "402 S. Spruce Street " but maybe it was something like 4022 or 4025 Spruce or 402 E Spruce ..........It had immaculate landscaping, a tiny front yard and pale red sponged livingroom........Let's see what else can I tell you-------oh from the front it was a rectangular face with wood front foor and one large window on one side a samll one or maybe none on the other or asymmetrical.........It had a front walk the curved to the right to join or blend in with the drive and was priced under 80,000.......That is all can recall.............Margaret Mlekush (oh and yes I can spell little what I can't do is type accurately, hahahahahahahaha) ... more
0 votes 2 answers Share Flag
Fri Jan 18, 2013
Kris Rosser Schmitt answered:
Christian,

Yes there are. I have a few contacts that could help you with your situation. First one:

John Meile
1st Integrity Mortgage

Tell them Kris Schmitt from Remax Preferred Partners sent you.

Thank you,

Kris
... more
0 votes 2 answers Share Flag
Sun Nov 18, 2012
Sue Ferguson answered:
Sat May 19, 2012
Ron Thomas answered:
The Bank will not respond; even to you:

They will have their own Listing Agent, and you will have to wait for them to List it.

The Bank will not communicate with anyone who is not on the Loan, and if the house has been Foreclosed, that eliminate everyone.

Patience, Grasshopper
... more
0 votes 1 answer Share Flag
Wed May 25, 2011
Joanne answered:
You lived in THIS house (3 Peggy Sue CT)? The economy has made things hard for SO many. I'm sorry you can't get it back. I've been waiting for ever to see more photos of it and they've finally posted them. I wish it were more 'open' inside yet it's still a lovely home. Who ever designed the drive-way was genus IMO. It's so pretty! We're in our mid-60s and are thinking about a bigger home since we have 4 young grand kids. I want a home where they have LOTS of room to play (unlike our home of 38 yrs in Granite City).

Take care and I hope that life is good to you. ;o)
... more
0 votes 5 answers Share Flag
Tue Nov 3, 2009
Detective27 answered:
Thanks, guys! What happened is that we closed on the new loan on the last day of October and they usually take the payment on the 3rd of the month. The old mortgage co knows there is a payout pending, but since they don't have it yet, technically they still own my house, and they say that they can't cancel the withdrawal from their end as it is too late. Since they are going to get a payout for the balance of the loan amount as of 10/31 in a few days, (as far as Im concerned) there is no reason for them to take the payment out today, because they'll just have to refund it. I just don't want to wait forever to get my money back. I've opted to allow the payment to go through, as I can deal with the $20 fee my bank will charge to stop the payment, but don't know what kind of fees the escrow company will charge, and in case of a problem somewhere, I'd like to be able to say I wasn't the one who messed things up. ... more
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