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Jacksonville : Real Estate Advice

  • All1K
  • Local Info164
  • Home Buying567
  • Home Selling81
  • Market Conditions32

Activity 1,912
Fri Feb 24, 2017
Debyclark answered:
Wed Feb 22, 2017
Dorie Gamble answered:
I bought a HUD forecloser last summer. It sat for 3 years before being offered up for sale. There was no rhyme or reason for it to take that long.
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Thu Feb 16, 2017
Jmartinez78583 asked:
Tue Feb 14, 2017
Jonathan Klurfeld, Esq. answered:
It's a 1099C, not 1095, and the lender sends it to you (or may not). It is not something you can just get online or something. It is much to your benefit if they elect not to send you one as that is possibly tens of thousands of extra income to you and will bump you to a much higher tax bracket paying more in taxes.

Disclaimer: I am a Florida attorney and licensed Realtor. Information posted or made available on or through this site is not intended as legal advice or to create an attorney-client relationship between you and any attorney/our firm until officially retained. You should consult an attorney for advice regarding your individual situation since every case is different and not all information is relayed in an online question.
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Fri Feb 3, 2017
Marsha2u2 asked:
However I was only given 2 weeks to move . The original sale was postponed but was sold a week ago.Wells Fargo is owner can I ask for cfk? and How?
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Sun Jan 29, 2017
Wanda.griffiths asked:
I am the owner of 2827 Ribault Scenic Dr., Jacksonville, FL. My home was on MLS for only about 3 months in 2016, then removed, and recently placed back on MLS. There are some errors and…
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Wed Jan 25, 2017
Janell Fields asked:
Switched jobs and most of the properties I want are over 100k and most realtors seem to have a problem because I'm want to lowball offers . Can anyone help me?
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Wed Jan 25, 2017
Jonathan Klurfeld, Esq. answered:
You can try but banks are taking closer to market value these days. A house in decent/good condition typically under 15% (there are exceptions in worse shape etc. obviously) under market value are denied without looking hard at it. ... more
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Wed Jan 25, 2017
Janell Fields answered:
You can try the naca program which doesn't allow for closing cost or down payments?
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Sun Jan 15, 2017
Scott Godzyk answered:
If it was attached, it goes with the house in most cases. If it is a rolled up throw type rug, it is personal property and does not transfer with the home. If you bought it AS IS from a bank, after closing what stays is there, before closing it is not yours yet unless in the contract. If there is other personal stuff left that belongs to the seller or an occupant who as not foreclosed on, you need to assess the value and document as you may have to store if for a period of time before getting rid of it, check your states laws. ... more
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Wed Jan 11, 2017
surprisingly.angry answered:
I have been asking this same question. Everytime I get an answer, that of course you must have gutters, when I do a little research I find everyone of these people is somehow involved in the gutter industry. There were no gutters on the house I grew up in or my grandparents house. There was never any problem with either. I bought a foreclosed house that has gutters all around. I have had nothing but problems ever since. In the spring I will remove them and seal the eaves. I think my problems will be gone. Investigate who is giving you the answer. ... more
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Sun Jan 8, 2017
Lisa Turner answered:

No Seasoning after a short sale or foreclosure.

Up to 80% Loan to Value.

Credit Scores Start at 500

Loans up to 1 Million.


One Day Out of Foreclosure, Short Sale or Bankruptcy

Credit Scores Starting at 500

Florida Owner Occupied, 2nd Home or Investment Properties

30 Year Fixed Mortgage with NO Prepayment Penalty

Loans up to $750,000.00

Max Debt to Income is 50%

Max Loan to Value is 80%

Rates Start at 7.5%

Gift Funds are Allowed up to 6% On a Primary Residence

Property Types Allowed - Single Family Home, Townhome & Condo

24 Months Bank Statements Allowed For Self Employed Borrowers

Foreign Nationals Allowed

Most borrowers understand that your credit score takes hit after foreclosure or bankruptcy and they expect to pay slightly higher interest rates for a bad credit mortgage. Smart bad credit homebuyers see the value in buying VS renting and want to buy immediately after a foreclosure or bankruptcy. Then after 2-3 years of timely payment history you can get out of the refinance out of the bad credit Florida mortgage into and FHA mortgage a the best rates available.
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