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Des Plaines : Real Estate Advice

  • All110
  • Local Info7
  • Home Buying23
  • Home Selling5
  • Market Conditions3

Activity 83
Tue Feb 7, 2017
Normannanstiel asked:
Lately your phone app has been showing photos of kitchens, bathrooms, decks, etc. as the initial image of the home; why? I want to see the curb appeal photo of the house before I make my…
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Fri Dec 9, 2016
Tony Grech answered:
Hi Patricia

It's gonna be tough to get a mortgage with bad credit. Before taking the big step of becoming a homeowner you should get your credit and finances in order. This will make it easier to get approved, easier to get a good rate on a loan, and will help ensure SUSTAINED homeownership. After all, the goal is not merely to get a home, but to keep it!

As far as your goal of cutting your monthly housing expense in half, I'm not sure how realistic that is in Chicago. With taxes and insurance figured into the payment, a $690 mortgage payment is probably gonna only be about a $80,000 mortgage. So you may need to set your payment goal higher depending on the cost of living there
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Thu Sep 29, 2016
Angelica P answered:
Hi,

I am happy to help you get your listing posted on Trulia.

If you would like to post a rental on Trulia, you will be redirected to use our partner site, Zillow Rental Manager, to list your rental on Zillow, Trulia and other top sites. Please follow this link for instructions on how to post a rental listing:

http://www.trulia.com/post-rental/

If you have additional questions or have issues with posting your listing, please reply back to this email and I will be happy to help you.

Zillow Rental Manger Help:
https://zillowrentalmanager.zendesk.com/hc/en-us

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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Fri Apr 29, 2016
Catherine Reich asked:
FHA is telling us the Seller, that cosmetic work, to the tune of $6000. To 7000. Must be done before seller gets loan. I want to refuse. Can we do that?
0 votes 0 Answers Share Flag
Fri Mar 4, 2016
Hetal Patel asked:
Sat Dec 12, 2015
Jeri Patrick answered:
I would contact the real estate agent that has it listed to show you the home. Best of luck
0 votes 1 answer Share Flag
Mon Nov 30, 2015
My NC Homes Team answered:
Rent to Own is more urban myth than reality. There are only two situations where someone like yourself will encounter "Rent to Own" and neither is desirable.

In the first situation the Seller has been unsuccessfully trying to sell their property often for a year or more and they cannot find a buyer. The reasons for this can be many such as; high crime rates, terrible condition of the property, stigmas the house may have such as some one murdered in the home, or a home used as a meth lab for example. There are others but I'm sure you get the idea. In this case the seller is so anxious to sell their willing to do anything, but Buyers should ask themselves why would I want to inherit this Seller's headache?

The second situation is in my opinion actually worse: it's when very savvy Sellers set out to intentionally take advantage of less savvy Buyers. They never have any intention of the Buyer owning the home and the contract they prepare almost ensures that a Buyer will never be successful in meeting the terms. Their intent is to get above market rental income with the promise that one day you'll own the property and if by chance you actually were able to fulfill the terms of their agreement their OK as they got well above market price for the property, but what happens 95+% of the time is that they simply take the home back when a buyer fails to fulfill one or more of their contract terms and they then repeat the process.   I've been active in all aspects of residential real estate for more than three decades and can honestly report that I have never once met a single buyer who was successful with "Rent to Own" 

Right now we're in a strong sellers market, and frankly there's no reason any legitimate seller would offer a Rent to Own option, that said it's very possible given today's low interest rates that you may be able to buy a home.
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Mon Nov 9, 2015
Anthony Cavalea IV answered:
It's not currently listed in the MLS, but the owner could be trying to sell it FSBO.
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Tue Oct 6, 2015
John Meyers answered:
I work closely with Wintrust Mortgage and their requirement is a 640 credit score. -- To improve your credit quickly, pay off any outstanding late payments (or collections), get a credit card and just charge a pack of gum every month on it (and then pay it off every month), get rid of any car loans that are out of your budget, and most of all -- pay down your credit card debts.

Your debt-to-income ratio needs to be reasonable since they won't approve you for a loan if your debt is high compared to your annual salary (which should appear on your tax returns by the way).

If you are first time home buyer, there are some great IL programs where you only need to put down 1%. Hope that helps! --To learn more, just call me at 847-533-7115 or email MeyersRealty1@gmail.com. Thanks, John
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0 votes 7 answers Share Flag
Sun Aug 9, 2015
Randy Stoker answered:
All listings on Trulia are generated by the listing Real estate agent; Trulia scans the MLS data base and posts that information to their web site. If you have your home listed through a licensed Realtor then your listing and corrections or changes should appear on Trulia within 72 hours after going live in the MLS system ... more
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Mon May 25, 2015
sergey belko asked:
Thu May 14, 2015
Kim Carnagey answered:
You need to contact the listing agent (or have your agent contact the listing agent if you are already working with an agent) to get that info.
0 votes 1 answer Share Flag
Sat Apr 25, 2015
Steven Johnson answered:
Hi Maria,

Currenty, the cheapest rentals in Des Plaines and Mount Propspect range between $750-$900. If you were able to come up in price a little you could liekly find something affordable. Plus, there will likely be newer rentals hitting the market when it gets closer to your move in time. If you have any questions feel free to reach out to me.

Steven D Johnson
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Mon Feb 23, 2015
Rina Hodzic answered:
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Tue Oct 14, 2014
Michael Pittman answered:
This may be a challenge. You may need to submit a letter to the landlord explaining your hardship and show what you have done to improve the situation.
0 votes 1 answer Share Flag
Thu Oct 9, 2014
renumehra26 asked:
Tue Jul 29, 2014
Matt Leighton answered:
Most lending companies or closing companies can give you a pre - HUD1 which outlines the closing costs involved.
0 votes 1 answer Share Flag
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