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Home Buying in Irwin : Real Estate Advice

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  • Local Info1
  • Home Buying6
  • Home Selling1
  • Market Conditions0

Activity 12
Sun May 1, 2016
Tjenkner asked:
I found a double wide with 4.5 acers I'm really interested in it was built 1975 is being sold with a 18 Acer lot as well property has two mobile homes on it that the owners pay lot…
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Sun Mar 6, 2016
Invstnlfp answered:
I am state and federally licensed to write mortgages in 31 states for a top direct lender in the mortgage industry who offers conventional, FHA, VA, and USDA loans. We keep your info private not broker it out and we go down to a 550 credit score for VA and FHA loans.. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479
NMLS 902687
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Mon Dec 8, 2014
Derrick Sly answered:
I think that I'm not alone when I say that having a debt-free home is a blessing. It took a lot of work, but I needed to do it to feel at peace. I'd be very reluctant to separate from my home. I feel such a strong sense of love for it. It's my home! I'd prefer in home care, but I'm not sure I'll have the funds.
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Thu Aug 15, 2013
Chad Bahnsen answered:
Hello, If you qualify based on income and you have the funds needed to purchase , getting your score up shouldn't take you long at all. You may have to just pay the card down and pay down some other debt and your score will rise again. I'd be happy to help if you need me.

King Regards,

Chad E Bahnsen
Visit My New Website:
Chad E. Bahnsen- Mortgage Originator, NMLS# 127719
Mortgage Network, Inc.- Corporate NMLS# 2668
14 E. Stratford Ave Ste 3C
Lansdowne, PA 19050
Cell: 610-457-7262
Office: 610 622-2212
Fax: 1-866-590-3806
Licensed by the Pennsylvania Department of Banking and Securities
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Wed Aug 14, 2013
Virginia Stump answered:
Foreclosures can take quite a long time in some cases, especially if the owner cannot be found to serve the notice or if the process is extended by a bankruptcy. Best bet is to try to track down the owner and arrange a voluntary sale. Be sure to ask about all the mortgages and other debts against the property, just in case the home is worth less than what is owed. Second mortgages and other liens can cause problems. A professional Realtor can guide you through the process on your end, even if the property isn't listed. ... more
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Wed Jul 31, 2013
Kim Stawicki answered:
No problem... If you think of any, feel free to ask!
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Tue Apr 2, 2013
Laeeq Naqvi answered:
There are still programs available for Veterans. The Mortgage Lender can help with closing cost, as well as, the broker and the seller.
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Sat Dec 11, 2010
Alan Openshaw answered:
Hello S.

If it is a family transaction there shoud be no transfer tax.
Go here for title charges or call a local title company. Title insurance is not required but strongly recommended.

Best Regards,
Alan Openshaw
Cornerstone Lending Inc
720 Second St Pike Suite 104
Southampton Pa 18966
Office 215 953 0800
Fax 215 953 1706
Cell 267 992 7276
Voted Best of Bucks 2010
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Fri Feb 12, 2010
Gita Bantwal answered:
If you are looking at homes have your agent call the listing agent who will ask the seller if they will consider it. It is upto seller and listing agent to negotiate the commission.Some sellers are considering lease options if the house has not sold.
If you try to rent to own make sure you have a good attorney look at the paper work.
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Thu Jan 21, 2010
Richard Lecinski answered:
By agency I assume you mean not listed on the MLS. It could be either the buyer or seller or both. It all depends on what has been agreed to.
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Sun Apr 19, 2009
Dp2 answered:
Barbara's explanation is great. The only thing that I'll add is that borrowers, who are upside down (ie have mortgages that are greater than the current market value of the underlying home), don't always have to be behind in their payments. (This is a relatively recent change that is a part of the Obama Stimulis plan.) Nevertheless, the borrowers still have to do EVERYTHING that Barbara stated earlier to demonstrate their hardship.

Bill is also correct that you should work with a knowledgable agent, and I'll add that you should look for one who has lots of recent experience handling short sales.
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Thu Apr 24, 2008
Kim Stawicki answered:

As an agent that services both areas, I would have to say that many people feel as you do. However, you should purchase in the area that best fits your needs, both now and looking towards the future. Once you decide what area is best for your lifestyle, you can start to narrow down your choices and analyze value.

It sounds like you are looking at the market pretty closely to evaluate what is available. A good buyer's agent, as part of their services, will also look at recent comparable sales, not just homes for sale. This is a better indicator of what a particular home is worth, not the asking price. A home that has been for sale for an extended length of time is most likely priced too high for the market...those that are priced right are gone before the casual buyer gets to them. That said, though, value is still in the eyes of the buyer that finds the perfect house to fit their needs.

If you would like some assistance, feel free to contact me. As I mentioned, I do service both areas and am located in North Huntingdon.
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