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Greenville County : Real Estate Advice

  • All53
  • Local Info1
  • Home Buying15
  • Home Selling4
  • Market Conditions2

Activity 517
Fri Feb 3, 2017
Leadernadine answered:
My question is I'm up to date on my mortgage payments. But my HOA feed I'm behind. I want to set up a repayment plan. But the association wants more a month than I can afford. Now they want to foreclose on the property. What can u do to stop this? Can they sell my property even if my mortgage is up to date? Is that legal? I need a respond ASAP please ... more
0 votes 25 answers Share Flag
Mon Jan 30, 2017
Melodyhenson24 asked:
Family member has offered to sale us her paid off home for $75K, home value is $110k. We have $40k in the bank, credit score low ( 520-560) so we cant finance. She has agreed to us paying…
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Sun Jan 29, 2017
Kathy Burgreen answered:
Why should I have my taxes pay for Section 8. You need to get off Section 8 and pay regular rent. Get a 2nd job to increase your income. Who gave you the right to have children only to have welfare pay for it! I don't need my taxes to support your kids.

Can't wait for them to take away Section 8.
... more
0 votes 1 answer Share Flag
Wed Jan 25, 2017
Froggydays asked:
I have been approved for a USDA home loan for $125,000. My credit score is 748. I have two questions: 1. Can a USDA loan be used on a used doublewide with a permanent brick foundation on…
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Sat Jan 14, 2017
Ndavis answered:
Good credit and no money down leaves you with several options. Your payment is going to be dependent on what type of loan you qualify for, and when you make the move. Interest rates change, and they've recently started climbing. They're expected to continue upward through 2017, so the sooner you act, the better.

USDA eligible homes are located in rural areas (not necessarily in the country, smaller towns often qualify) and USDA mortgages are no money down options.

If you are a veteran, a VA loan can get you into a property with no money down.

If you are a teacher, firefighter, police officer, EMT, nurse, or doctor, SC also has down payment assistance programs available for a short period of time in early spring. Whether that down payment assistance has to be paid back is dependent on your income and how long you stay in the home. To get in on this option, you'd need to find a lender who participates and be looking for a home before the funds become available. They dont last long and are first come first served.

If you need recommendations for great lenders in the area who offer these programs, click on my profile and I'd be happy to get you to the right place!
... more
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Sat Jan 14, 2017
Ndavis answered:
Hi, Patti! There are sporadic rent with an option to buy properties in the area, but they are high risk contracts which typically put all the risk on the buyer. The reason? If you have a home to sell in the upstate, and it is in good condition, there is no great reason to rent with an option to buy. In 2016, it took me an average of nine days to get a home sold in the upstate. If you were a homeowner, and wanted to sell your home, this is a great time to get your home on the market. If something is wrong with your home, making it difficult to sell, or you refuse to sell for actual market value, you're more likely to look for a consumer who is willing to take on a huge risk out of desperation. Please be careful in seeking out rent-to-own properties. You can really get yourself in a lot of trouble. If you are interested in vetting your options, you can contact me through my profile. I'd be happy to steer you in the right direction. ... more
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Sat Jan 14, 2017
Ndavis answered:
SC has a great program for teachers that provides down payment assistance, but you have to be able to act as soon as the funds are released. Each year they are released in the spring and are only available a week or two before they are depleted. Your best option is to get involved with a lender who participates in the program and a real estate agent as soon as possible so that you are ready to make the move as soon as the funds are available. I'd be happy to help you make contact with a lender to get started. Just click on my profile. ... more
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Sat Jan 14, 2017
Ndavis answered:
Hi, Cynthia! It sounds like you have a lot going on there, but we're here to help! The foreclosure and repo will definitely factor in a lender's decision, but they'll need to know the date that each was officially filed. Your credit score itself isn't bad, and you have a decent down payment. Your next step would be to speak with a lender, and I work with some great ones here locally in the upstate. A phone call is enough to get some answers. We're not allowed to advertise here, but I'd like to point you in the right direction. Just click on my profile and I'd love to get you to the right place! ... more
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Fri Jan 13, 2017
Debbie Cabaniss asked:
Home is located at 105 Dutchess Rd, Simpsonville, SC 29680.
0 votes 0 Answers Share Flag
Fri Dec 9, 2016
Niki Davis answered:
My first question would be... where did you get your numbers? When you pull your own credit report, whether it's a free one, or one you paid to access, you're not getting the report that a lender would get. The scores can vary. My answer will ALWAYS be to have a lender pull it and advise you personally on what to do in your particular situation. In addition to the scores maybe not being what you think they are, I've seen buyers with very high 700s range scores unable to buy because of WHAT is on their report, or because their debt-to-income ratios were all wrong. Call a reputable lender and get advice tailored to fit you. If you need a recommendation, contact me through my profile. I would be happy to pass on some contact information for local lenders. ... more
0 votes 2 answers Share Flag
Mon Nov 21, 2016
Neil Roxas answered:
Hello,

Unfortunately, we didn't get enough information about your problem to resolve the issue. Please provide us with the complete property address by replying to this and we will be happy to assist you.

Regards,

Neil
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Wed Nov 9, 2016
Cheekcharlotte2015 asked:
Wed Nov 9, 2016
1357appraisals asked:
We are the home owners of the residence of 4 Sanford Court, Greenville, SC 29605 and you can phone me at 864-299-3828 to confirm.
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Fri Sep 23, 2016
USMortgageRanger answered:
Thanks for your service to our country from one Veteran to another. As a honorable discharged Veteran with a COE Certificate of eligibility you are entitle to purchase you home with no money down and the closing cost and funding fees can be paid by others (i.e State Agency, Bank or Seller).

I would be delighted to provide you with some options, that does not require us pulling your credit and will allow you to make the best decision for your family. I can be contacted for a FREE no obligation consultation.

Lowell Sterling
Mortgage Banker
NMLS 968898
Phone 469-347-3572
... more
0 votes 2 answers Share Flag
Fri Aug 26, 2016
David Stigall asked:
Wed Aug 17, 2016
Judy Buss asked:
Any property management companies notice that there is NO SEARCH available for property owners to locate a local management company? Have your reviews suddenly get deleted??? Has anyone…
0 votes 0 Answers Share Flag
Mon Aug 15, 2016
Jeri Patrick answered:
0 votes 20 answers Share Flag
Thu Aug 11, 2016
Niki Davis answered:
These are the types of situations a seasoned buyer's agent can help you negotiate. A buyer's agent is usually free to the buyer, and has a wealth of information to help you through that can save you money. There's no reason to NOT use a buyer's agent. ... more
0 votes 1 answer Share Flag
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