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Home Buying in Holyoke : Real Estate Advice

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Activity 12
Thu Apr 28, 2016
Josefa Morales asked:
Mon Mar 16, 2015
Tracy Torres answered:
That's a great question, most people focus on the purchase price but honestly the monthly payment is the more important factor when figuring your budget. Banks use 33-40% of your monthly income after your debts(credit cards, car payments etc.) Your credit score looks close for fha. Talk to a local lender for their pointers on getting pre-approved. There is no charge to speak with a lender. I use Jason Jean at Homestead he has great reviews. ... more
1 vote 2 answers Share Flag
Sat Feb 7, 2015
Louis Wolfson answered:
I am sorry to say the tax rate in Holyoke is high. 19.04 per thousand.

Not much you can do to change that.

As to lowering your taxes thru an abatement, that too is not all that easy. You must find comparable homes in similar locations, with similar amenities that there assessment is lower than yours.

Good luck
... more
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Sat Jun 8, 2013
Heath Coker answered:
I would use a local rental professional to save time and money and also to make sure you don't miss a great rental.


(Please note: when you choose an answer as a Best Answer, or at least give a thumbs up, it helps those who answer questions here.) ... more
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Mon Apr 22, 2013
Trulia Customer Service answered:
Hello Iamhis33,

Nathan from Trulia here! I apologize for the confusion regarding Halyoke, Ma. versus Holyoke , Ma. We are excited you are using Trulia for your home search and would love to assist you in any way we can! Here is a link to all of our homes is Holyoke , Ma. http://www.trulia.com/MA/Holyoke/. Good luck in your home search, and please do not hesitate to contact us with any questions or concerns at 1-888-466-3501 or customerservice@trulia.com ... more
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Sun Apr 21, 2013
annlol answered:
I'm afraid there is more to in than just knowing income. A mortgage officer at a bank can help you with what you can afford and at the same time prequalify you will be ready to make an offer for the property. You need to know and show that you are bankable when you make an offer. This way you will be ready when you see something you'd like to make an offer on it. Ann ... more
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Mon Apr 1, 2013
Melissa Whitelock answered:
I have a lender who will work with you in repairing your credit report. Let mw know if you are interested and I will give you his contact information.
0 votes 4 answers Share Flag
Thu Mar 11, 2010
greg answered:
You should have no problem securing a pre-approval in 48-72 hours; alternatively a pre-qualification letter can be secured in shorter order. Nonetheless, you should have no problem getting an agent to work with you provided you are diligently pursuing financing. ... more
1 vote 8 answers Share Flag
Tue Feb 23, 2010
Lesley Lambert answered:
Hi! I am a REALTOR in the area and would be happy to help you sort through these first time home buyer questions. Someone already gave the good advice to start working with a mortgage professional. If you are hoping to take advantage of the home buyer tax credit, you need to be in a contract by April 30th, which means you should get started right away. Let me know if I can help. ... more
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Tue Nov 17, 2009
Elizabeth Herbert answered:
There was a house that was foreclosed upon this past April on Matthews Road in Southwick. If you could email me at elizabeth@elizabethherbert.com with the street number I can confirm the information with you as I don't want to put the street number up on the internet. ... more
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Fri Oct 16, 2009
Susan Costa answered:
Mortgage notes must be published before foreclosure status starts --
send me the address and I would be happy to get you the info from public records.

amsrealestate@charter.net
0 votes 2 answers Share Flag
Tue Apr 22, 2008
Brecht Palombo answered:
Conceivably you can negotiate anything you want but unless you are in distress or haven't paid or have some other really compelling reason why you have to do that the bank will likely tell you to pound sand. Also lenders are overwhelmed right now and they are not doing a very good job at 'shorts' which is what you're talking about. They would be just as likely to go ahead and foreclose I would say unless, again, there is some really compelling reason not to. ... more
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