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Home Buying in Columbus : Real Estate Advice

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  • Home Buying23
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Activity 26
Wed Aug 10, 2016
Maricris A answered:
Hello,

To start, I would like to note that the Trulia estimate is an estimate derived from our proprietary algorithm. Our estimates use a ton of info, including recent sales of similar homes and home facts like number of bedrooms and bathrooms, square footage, and more to provide insight into what a home is worth. This data is compiled from public records and other sources for counties across the US. Please know that we do not intend for the estimate to replace a comparative market analysis as they can take into account market intricacies that the Trulia Estimate cannot. The Trulia Estimate is really meant to be a starting point in determining a home’s value and is not an official appraisal. To learn more about the Trulia estimate, we encourage our users to follow this link: http://www.trulia.com/trulia_estimates//.

Please also note that we do not directly edit or remove Trulia estimates. While we monitor customer feedback for systematic issues with the algorithm, we do not change individual estimates in response to customer feedback. We understand however, that some homes may be unique in ways that are not well captured by existing data. To provide more information on your estimate, we encourage you to claim your home and update its facts if you notice any information is outdated.

Updates to your home facts will be factored into your home's Trulia estimate, however, if the updates are not significant enough to impact the home's value, your estimate may not change.

If you're looking for a precise value for your home, we recommend you talk to a real estate professional.

http://www.trulia.com/directory/

One thing to consider is that when you do put your home on the market, the Trulia estimate will disappear as it is a feature only available for off market properties.

Regards,

Maricris
Consumer Care Advocate
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0 votes 1 answer Share Flag
Sun Jan 5, 2014
Leigh Burchyett answered:
Rick,
I'd be happy to help! What is the address on which
you are interested in getting a price?
Leigh
0 votes 2 answers Share Flag
Sun Jan 5, 2014
Carrie Abfall answered:
The issues at hand are quality of work and work to code... which is basically any plumbing, electrical, structural framing work, and any hidden issues with the basement foundation walls. Some sellers avoid the county because they will assess a higher tax value on their home, the code enforcement office is there to help protect current and future owners from shoddy workmanship. ... more
0 votes 4 answers Share Flag
Mon Sep 30, 2013
Tony Jarvis answered:
I have run across One home that might work. You can reach me by email at tjarvisrealty@aol.com or 317-714-1036.
0 votes 1 answer Share Flag
Mon Sep 30, 2013
Tony Jarvis answered:
I have run across one home in Columbus that might work. You can reach my by email at: tjarvisrealty@aol.com or 317-714-1036.
0 votes 1 answer Share Flag
Sun Sep 1, 2013
Natalie Allen-Adkins answered:
I have been an agent in Columbus since 2006. Please let me know if you are still looking and would like help.
Natalie Allen
Real Living Team Advantage
812-343-0587
natalie.allen@go2teamadvantage.com ... more
0 votes 5 answers Share Flag
Sun Sep 1, 2013
Natalie Allen-Adkins answered:
I can help you find a home. I have one in mind on Caldwell St. Would be good rental and nice neighborhood. Let me know if you would like more help with your search.

Natalie Allen
Real Living Team Advantage
Columbus, IN
812-343-0587
natalie.allen@go2teamadvantage.com
... more
0 votes 3 answers Share Flag
Sun Sep 1, 2013
Natalie Allen-Adkins answered:
What is your price range and how many bedrooms and baths do you need. I would be happy to help you find a home,

Natalie Allen
Real Living Team Advantage
812-343-0587
0 votes 1 answer Share Flag
Mon Jul 29, 2013
Annette Lawrence answered:
This question was posted Sep 10, 2012, ten months ago.
As Jeff Finks CORRECTLY stated. real estate agents have NO control over what appears on aggregate real estate websites like Trulia. Did I mention , NO CONTROL?
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When a seller indicates they want the home advertised on the 'internet', contol over where and how it appears is LOST>>>>>FOREVER!
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According to Trulia, data appearing on this site comes from LISTHUB, a third party data aggregator.
LISTHUB obtains 'homes for sale' data from sources not identifed by Trulia. LISTHUB, at their sole descretion, replaces, substitutes and delets data that suites their purpose. This data is passed to Trulia, who suppresss, masks, replaces, deletes data at their descretion for their pupposes.

-Their purpose is to sell the agents listing back to the agent(i.e. restore the correct/original data) and to sell advertising to real estate professiionals.
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Trulia will assign some of these listing, using an exsiting algorithm to participateing agents. Agents do not give consent for any listings to appear on Trulia. Many agents may be unaware their listings are appearing on Trulia. To be fair, I must add there are hundreds of similar websites showing real estate data, and the agent has no knowledge or grants consent for the data to appear.
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It is UNREASONALBE to expect any agent to troll these hundreds of websites to spot inaccuracies and spend the time to find someone within these organization to FIX the problem. (Note: even when fixed, the issue repeats on the next refresh.)
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Caps are used to make the point.
REAL ESTATE PROFESSIONALS ARE NOT REPONSIBLE FOR INFORMATION APPEARING ON AGGREGATE REAL ESTATE WEBSITES.! HOME SELLERS SHOULD CHOOSE TO NOT ADVERTISE THEIR HOME ON THE INTERNET(AGGREGATE WEBSITES). THIS WILL PROTECT ALL PARTIES, INCLUDING THE BUYER!
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If you have suffered material loss, have your attorney contact the appropriate organization.

Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
727.420.4041
http://RealEstateMakeEZ.us
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1 vote 6 answers Share Flag
Wed May 29, 2013
stephen webber answered:
Hi Pooh
I am guessing you are a first time home buyers. A first time home buyer is someone who has not owned their primary residence for three years.

Have a loan officer look over your credit. It may not be what you think. So many times I have watched peoples credit change quickly. Sometimes immediately. Often there is an issue affecting the rating that should have fallen away but has not been removed. I've seen situations when the loan officer begins the loan process because they know that with notice the credit agencies will remove the mistake.

An experienced Loan officer is the best source for credit information. They work with credit for home loans every day and your loan is their incentive to help you establish the necessary rating.
Best not do anything that will effect your rating until the loan officer looks it over. Sometimes paying an overdue payment will negatively effect the rating.

So your next step is one of the two most important steps in the home buying process. Choosing your loan officer. You will be looking for an experienced ethical person who works for a lender that offers all of the loan types for first time home buyers, has experience working with your State's agency of assistance and grants for first time home buyers, and has experience with the MCC Tax
Credit for First Time Home Buyers. Best Tax Credit yet.

Before you choose a loan officer read the article, Consultation Interviewing Loan Officers, at Your-Road-Home.com. Also article #9 on the MCC Tax Credit. You will also find a link to your State's agency of assistance for first time home buyers and a number of articles on loan types. The articles are numbered in order. Having the steps of your home buying process in the right order will serve you well.
Gather all of the objective useful information you can find. Trulia is also a good choice. When your ready you will find loan officers from your area on Trulia offering their services.
Many people are sending emails indicating their lender has explained there is not an MCC Tax Credit. Time to move to another lender. Good question for loan officers you interview.
Best of Luck, Stephen Webber, 34 Years of Real Estate for First Time Home Buyers
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0 votes 2 answers Share Flag
Fri May 17, 2013
answered:
Good morning windeethepooh,

We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.

It is unlikely you could be approved for mortgage financing with that credit score at this time.

Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.
http://www.consumer-action.org/

Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.
http://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself

The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.

Trevor Curran
NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
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0 votes 2 answers Share Flag
Fri May 17, 2013
answered:
Good morning Brittany,

First steps:

Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request to answer your questions with regards to the types of loans and maximum loan amounts you could qualify for. The Mortgage Banker can review your credit and give you a clear estimate of where you stand on your credit today.

If your credit is less then outstanding here are some steps to help fix your credit:

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.
http://www.consumer-action.org/

Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.
http://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself

The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.

Trevor Curran
NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
... more
0 votes 1 answer Share Flag
Fri May 17, 2013
answered:
Good morning hkmanira,

Rent To Own is a better deal for the Seller than it would ever be for a potential Buyer.

The basic concept is finding a way to "force" savings towards a down payment by including a portion of the monthly rental that goes towards that savings. You pay your rent every month and your Landlord deducts a pre-determined amount to hold in a special bank account, called an "escrow" account. Your Landlord holds that money until you have saved up enough---through this "forced-savings" method---to meet a down payment to purchase the home.

The terms of the purchase price, including the down payment amount, and the amount to be set aside from the rental for down payment, are all set down at the time of lease signing.

It's all about helping the renter/tenant save up enough money for a down payment to buy a home (in this case, the one you're renting). But this is a better deal for the Seller because he gets to lock in a purchase price and a buyer today for a future sale.

Saving money for a down payment? Well, heck, you can do that on your own.

If you are dedicated to the idea of buying your own home, you can create your own savings plan to save up enough money for a down payment. And when you have saved up enough for a down payment, if that takes a year or two or more, YOU get to decide on the price you're willing to pay for the house at that time based on current market conditions. You won't be locked in to a price that may be a lot higher than what the house is worth in the future.

With Rent To Own you'll be locked in both to the house and to the price, even if it takes you 3 years to save enough through the forced savings of the rent payments. What happens if three years from now your life situation has changed? Maybe you need a bigger/smaller home. Maybe your employment has relocated. Maybe your credit or income is insufficient to qualify for a mortgage loan.

Find a way to save up on your own; not with Rent To Own.

Sit down with a local Mortgage Banker and get yourself prequalified, too. You may find you're better qualified than you think you are, and, if you're not, at least you'll know how much loan your income and credit qualify you for, and how much you have to save towards down payment and closing costs.

Trevor Curran
NMLS #40140

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
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0 votes 3 answers Share Flag
Sun May 5, 2013
deshpande.bhavana answered:
Hi Vineet.. It is possible but again it is best answered by mortgage experts and I have a few good ones that can guide you. I can help you out with info if you email me at bdeshpande@c21br.com. Thanks.

Bhavana Deshpande
Century 21 Breeden Realtors
Columbus IN
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Mon Dec 3, 2012
Juan Carlos Carrasquel, Expert answered:
0 votes 1 answer Share Flag
Tue Nov 13, 2012
sso7922 answered:
I just emailed someone at the USDA office in Indy with the same question, he said it is about 30 days right now...
0 votes 2 answers Share Flag
Sat Nov 3, 2012
angelagrace34 answered:
Wed Aug 22, 2012
Marg DeGlandon, Brown County Expert answered:
I can assist you in finding foreclosed homes. My advise is to call Ryan Hufty 317-417-2233 which can assist you in obtaining a FHA loan.
0 votes 1 answer Share Flag
Sat May 28, 2011
Kelly Savage answered:
Hello Makarand. David is right on with his answer. Simplified. Columbus is a very desirable area here in southern Indiana and there are plenty of wonderful homes available. I'm a hard working Columbus Realtor that looks forward to answering any future questions you may have. You can call or text me anytime at 812-603-3275. I will be here for you when you need me. Have a good day. : )

Your Realtor
Kelly Savage

Real Living Team Advantage

Cell: 812-603-3275
Website: realliving.com/Kelly.Savage
Email: kelly.savage@realliving.com
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