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Home Buying in Dallas : Real Estate Advice

  • All2K
  • Local Info175
  • Home Buying879
  • Home Selling96
  • Market Conditions50

Activity 1,010
Thu Apr 13, 2017
Kathy Burgreen answered:
You need to know that the law was changed and ALL lenders are required by law to use the 1%. Sorry but lenders need to follow the law. I do agree with you that using the 1% increases the debt to income ratios and unfortunately since the law changed last October, this affects thousands of college students who will find it difficult to afford a home.

My Advice: I'm urging everyone affected by this to write to your representatives in Congress and reverse the law. Maybe if Congress gets enough protests, they can change it.
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Wed Apr 12, 2017
Txplano answered:
Wed Mar 22, 2017
Durham.kendra answered:
My Loan Is Your Loan work with borrowers down to a 550 credit score for VA, FHA, and USDA loans. They have a direct lender who was able to get my loan closed fast. I would check them out. I worked with Brian Young at 2147973479 I would call him super easy and nice he helped before we completed an application.
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0 votes 17 answers Share Flag
Thu Mar 16, 2017
Susie Kay answered:
I would suggest that you call a different lender or two. John and Gregg below have offered you their service. You just need to extend closing, your realtor should know what needs to be done.

Good luck!

Susie Kay
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0 votes 4 answers Share Flag
Thu Mar 9, 2017
Angelica P answered:

I have emailed you regarding this concern.

Thank you for using Trulia!

Consumer Care Advocate
0 votes 1 answer Share Flag
Wed Mar 8, 2017
Susie Kay answered:
I would suggest that your brother talk to a lender or two and discuss in detail his financial information.
0 votes 1 answer Share Flag
Wed Mar 8, 2017
Sheilaandalessia answered:
It will depend on if you have received SSI or SSDI for at least two years. When I got a loan they also had me get a letter from SSA stating that it was a permanent monthly payment. Contact any local lender and they should be able to walk you through what you will need. ... more
0 votes 30 answers Share Flag
Sat Mar 4, 2017
Susie Kay answered:
Hi Shirley,

It depends on your detail financial situation. I can connect you with local lenders that I typically work with. Feel free to reach out to me if you are interested.
0 votes 2 answers Share Flag
Wed Mar 1, 2017
Hello, I'm a mortgage professional.

We can help with a 580 score but the loan amount would neee to be higher.

I would need a little more details.

You are welcome to get in touch with me if you would like help with this. ... more
0 votes 1 answer Share Flag
Thu Feb 23, 2017

Purchase a GEORGIA home 12 months after a chapter 13 Bankruptcy
Purchase a GEORGIA 24 months after a chapter 7 Bankruptcy.
FHA will allow a FHA mortgage 3 years after a Foreclosure.
Minimum FICO credit score of 580 required for 96.5% financing.
Bad credit GEORGIA FHA mortgage approvals minimum FICO credit score of 530 required for 90 FHA financing.
No Credit Score GEORGIA mortgage loans & No Trade Line Florida FHA home loans.
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0 votes 14 answers Share Flag
Tue Feb 14, 2017
Susie Kay answered:
Let me know what you meant and I'd be happy to help.
0 votes 1 answer Share Flag
Sun Jan 29, 2017
Theresabartmanloanfirm answered:
Well, I haven't heard much about them but I know of Theresa Bartman Loan Firm. They are genuine and well trusted to deliver on their loan requests. Check them out if you can.

Contact On Instagram: @TheresaBartman ... more
0 votes 5 answers Share Flag
Wed Dec 21, 2016
Susie Kay answered:
Tue Dec 20, 2016
M.w1961 asked:
I'm buying a home. Seller called in Insurance claim. Adjuster totaled the roof today.

We are set to close in 3 days. Adjuster says 1st check (ACV) can be picked up in 2 days. The 2nd…
0 votes 0 Answers Share Flag
Sat Dec 10, 2016
Atxaviermartin answered:
You should get your FICO Credit Score and analyze the factors that is dragging your score down. Once you have found that out, you can take the help of a lender who would help you solve the issues with your low credit score. ... more
0 votes 73 answers Share Flag
Fri Dec 9, 2016
I always suggest you shop around but when it comes time to apply you should only apply with one lender for various reasons including but not limited to the following:

-You will go crazy trying to deal with 2 lenders at the same time it will be double the paperwork but 3 times the craziness.
-Some loan types for example FHA require an FHA case number for certain tasks to be performed by the lender so you would not be able to work with two lenders at the same time regardless.
-You could end up paying for two appraisals.
-In many cases lenders will confirm if you have any open loan applications with another lender, broker, bank to avoid fraud so at some point you would have to cancel or withdraw your loan with one of the lenders any way so it would be a waste of your time and money not to mention one of the loan officers would be working for FREE.

Shop around then once you have a contract on a home choose the person that gave you better service, information and of course good rates & fee's but be careful the lowest rate is NOT always the best loan, I know that sounds weird but there is much more to consider than just the rate.

I currently only offer loans in Florida but if you need help in Texas I can definitely recommend you someone.

Good luck & God bless!
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1 vote 18 answers Share Flag
Fri Dec 2, 2016
Shorba asked:
Wed Nov 30, 2016
Susie Kay answered:
What's your question? If you have an agreement with your lender that another appraisal is needed after closing and after you fixed the plumbing then so be it.
0 votes 1 answer Share Flag
Tue Nov 8, 2016
Susie Kay answered:
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