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Home Buying in Jacksonville : Real Estate Advice

  • All116
  • Local Info20
  • Home Buying26
  • Home Selling8
  • Market Conditions2

Activity 35
Wed Aug 24, 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
... more
0 votes 17 answers Share Flag
Sun Sep 6, 2015
Chikkitausii asked:
not sure about my credit score right now,. I had filed for bankrupt over 7 years and its clear now.
0 votes 0 Answers Share Flag
Tue Sep 1, 2015
Karen Peyton answered:
I suggest your sister sees an attorney to review the documents she signed. What she wants to find out (from the attorney) is what legal action can be taken against her if she cannot complete the contract. ... more
0 votes 1 answer Share Flag
Wed Jun 17, 2015
daisy sullen answered:
The only way to know for sure if you would get approved is to get prequalified with lender, there is no cost and it takes about 20 minutes to find out. If you are interested in purchasing a home I would start there and if you do not qualify at the moment they can let you know what you need to do in order to reach a point in the future where you can qualify to purchase. I have a lender that can call you to see what your options are you can email at daisy.sullen@gmail.com. Thanks. ... more
0 votes 1 answer Share Flag
Fri May 8, 2015
Terri Alphin Smith answered:
There are many beautiful beaches close to Jacksonville, NC! Onslow Beach is accessible through the military base, Camp Lejeune. From the south side of the city, Topsail Beach is about a 35 minute drive and Surf City is about 45 minutes. From the east side of the city, Atlantic Beach in Emerald Isle is about a 30 minute drive. With a short ferry ride from the town of Swansboro just east of Jacksonville, Hammocks Beach State Park is a beautiful natural beach to explore. Come enjoy the Crystal Coast! ... more
0 votes 3 answers Share Flag
Tue Feb 10, 2015
Denise Phillips answered:
A credit repair company will normally charge you. Call a local mortgage company in Jacksonville that does not have a up front application fee. Don't call Navy Federal, they will charge you an application fee. I know several lenders that won't charge you and you only need a 580 credit score. I also sell bank foreclosures and I can find you a home that is way below tax value. Have you found a home yet? Regards, Denise, Century 21, cell 910 750 2721 ... more
0 votes 6 answers Share Flag
Wed Dec 17, 2014
David Crump answered:
A VA LOAN IS THE MOST COMMON BUT THERE ARE SEVERAL OTHERS . A LOAN SPECIALISTS COULD GIVE YOU MOST OF THEM . I WOULD RECOMMEND THAT YOU CONTACT A LOAN OFFICER.
0 votes 12 answers Share Flag
Tue Nov 18, 2014
Irena Kohler answered:
I would recommend to check with local mortgage specialist. After all, they are specialist in financing and not RE agents. I have few in mind that I would strongly recommend after having an excellent experience. Good luck! ... more
0 votes 5 answers Share Flag
Tue Nov 18, 2014
Irena Kohler answered:
That's plenty of time. Usually it takes 6-8 weeks to close. Let me know if you need any help or if you have any more questions. Thank you!
0 votes 14 answers Share Flag
Tue Aug 5, 2014
Mickey Glassman answered:
Keisha-

I just read your response at the bottom...

Nothing is hopeless! You are obviously on the right track! Clearly determined and focused. Stay the course, you will achieve your goal. You may have to start off with something less than ideal but if you purchase wisely it could be potential rental income or when you sell it you can put that towards your dream home.

Also, there is no charge for asking for pre-approval from a lender. That would give you an idea of where you stand now, and where you need to chart your course.

Good luck!
... more
0 votes 5 answers Share Flag
Tue Apr 29, 2014
Dan Tabit answered:
Homebuyer,
When you roll closing costs into the loan, you don't change the amount borrowed, you change the rate. You've probably heard of buying "discount points" where for more money up front you can get a lower rate for the life of the loan. The opposite of this is a higher rate and getting a rebate and using that to pay your closing costs. The problem with this is you pay a higher rate over 30 years in order to reduce the cash out of your pocket.
It can be done with different lenders, but rules have changed making it a bit tougher. Discuss the pros & cons with your lender and see what they suggest.
One last thought, the inspection is not a closing costs and inspectors generally get paid at the time they complete their work, whether you buy or not. As an agent and former lender, we only get paid if the sale closes and everyone is happy.
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0 votes 2 answers Share Flag
Sun Dec 1, 2013
bruce.niles answered:
green tree has the solutions for you and we will pay your closing costs. Great rates and Great service.
0 votes 11 answers Share Flag
Tue Jul 30, 2013
Denise Phillips answered:
I can email you a list of rental under $750, if you email me your email.
My email chaun128 at yahoo.

Regards
Denise Phillips
Century 21 American Prop.
Jacksonville, NC
0 votes 3 answers Share Flag
Sun Jul 28, 2013
Denise Phillips answered:
I know of a 3 bedroom, 2 bath condo for $889 for 6 months in Jacksonville, NC not far from the mall and close to Camp Lejeune.
It has a nice kitchen with open floor plan. I work 7 days a week if you'd like a list of homes or more information please email me any time. Good Luck, Denise Phillips, Century 21 American Prop.
chaun128 at yahoo
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0 votes 2 answers Share Flag
Mon Jul 8, 2013
John Smith answered:
As I said previously, there is no cut and dry answer. We would need to look at your particular situation to determine if buying or renting is the smart way to go.
0 votes 19 answers Share Flag
Thu Mar 28, 2013
Daniel Fisher answered:
Good morning, Akera:
Most banks require 600+ middle FICO. Below is a link to the Trulia Real Estate blog with "Ten tips for repairing your credit history, raising score". If you are doing all of these but your score is still not coming up after 6 months of trying, or if you have a lot of accounts, large dollar amounts needing to be settled, complex issues like your credit file is blended with someone else, you have had a change in marital status that involved accounts or charges not your own, you had an identity theft or other similarly difficult to clear items, please give me a call and I can help point you in the right direction on credit repair. Once you have a plan for improving credit, you may also want to read I have bad credit and no savings. Can I get a home or am I stuck renting? http://goo.gl/5RG3w If you appreciate an answer, please give thumbs up. For the most helpful answer, please say thanks with a best answer click. ... more
0 votes 2 answers Share Flag
Tue Mar 19, 2013
Amanda Parmer answered:
Hi Victoria! Have you decided if you want to rent or buy a home? It may be easiest to contact a Realtor to best help you. I can email you a detailed list of homes that you might be interested in taking a look at, whether it's for sale or for rent. I'd love to help! Please either give me a call or text message with your email address and we can go from there!
Amanda Parmer
910.545.0450
ajparmer09@gmail.com
www.AmandaParmerSellsHomes.com
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0 votes 8 answers Share Flag
Tue Mar 12, 2013
Janette Miller answered:
All you have to do is ask or have your agent ask on your behalf. I have rented several properties in the Jacksonville, NC area and 9 times out of 10 you can get the rent reduced and in some cases you can get a discounted rate for your first month's rate as well. :-) ... more
0 votes 8 answers Share Flag
Tue Mar 5, 2013
Irina Karan answered:
Yes, you can truly help yourself to fix your current credit issues.

To start, you need to get a print out of your report from one of those places that
you went to. In it, you'll see the addresses of 3 credit agencies you'll need to write a simple letter where you will demand to remove the erroneous info from your credit report, and where you'd attach
the documents showing that f.e. the Ohio tax issue was resolved (sometimes you also need to get in touch with the county in Ohio where the issue took place - and get the payoff confirmed there, in
writing). One letter - one issue rule stands.

This takes a little time and a lot of patience - but many people have done it and it got their
credit into "mortgagable" territory. It'll probably take from 45 days to 3 months.

In addition to above, you can find a very good mortgage person - who will go over what else you
could do to raise your credit score - and there is a lot that can be done!

Hope this helps,

Irina Karan
Beachfront Realty, Inc.
IrinaKaran@gmail.com
305-904-2355
... more
0 votes 7 answers Share Flag
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