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Jasper : Real Estate Advice

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  • Local Info2
  • Home Buying5
  • Home Selling1
  • Market Conditions0

Activity 11
Sun Mar 27, 2016
Roger Edwards asked:
Tue Aug 5, 2014
Rachel Davenport answered:
Hi Danielle,

Here is some information about the market. I would be happy to discuss your questions and give you some tips on selling and pricing your home, please contact me at your convenience.

There are currently 160 resale and new homes in Jasper on Trulia, including 1 home in the pre-foreclosure, auction, or bank-owned stages of the foreclosure process. The average listing price for homes for sale in Jasper AL was $214,894 for the week ending Jul 23, which represents an increase of 5.4%, or $10,962, compared to the prior week.
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Wed Jan 15, 2014
Tim Moore answered:
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Sun Nov 17, 2013
ellaharris answered:
I am retiring in a year and I want to move back home to Jasper. My family has land there. l am looking for a older cheap/fixer upper house to move on the land. Do you know if there are any available? ... more
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Sun Nov 17, 2013
Sue Goldberg answered:
This is an awesome house and it was a happy home. There was always love in this home. It has been in my family since it was built. I love it. After my father died, my mother moved into the mother-in-law apartment and my sister bought the house from her. My brother in law was a builder and most every thing was rebuilt by him. He built the sunroom which is so comfortable and bright. He built all of the decking, all the wood floors, the entertainment center, the soffet ceilings, the bathrooms (2 in the mainhouse, 1 in the mother in law suite which is actually a shower bath). He built the workshop himself which is where he did all of his carpentry. My Dad used the other outbuildings to breed Samoyed dogs and store his fruitcake supplies. He was well known in the area for his marvelous fruitcakes.
My mother had a large flower garden in the back of the house and beyond that my father had a garden.
I may be mistaken but I think the property size is about 2 1/2 acres, not 5.
If you buy the house, I have to tell you if you see a strange car with NJ license plates parked in front of it, it will be me. I still have family there and I visit once in a while. Wishing you the best and happy holidays
Sue
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Thu Jan 10, 2013
Rodney Mason answered:
For an FHA mortgage, most lenders require a 640+ credit score for the last 2-3 years now.

Prospect Mortgage is one of the few direct lenders to offer an FHA 580-639 FICO loan program. Credit profile is a major factor in a mortgage approval. Generally, there should be no late payments, new collections accounts/charge-offs/liens/judgments in the last 12 months. It is required that all open collection accounts must be paid in full if their cumulative balances exceed $1,000.

The 3.5% down payment can be from the borrowers own funds or it can be gifted from a family member. Two months of reserves for the PITI (Principal + Interest + Taxes + Insurance) payment + HOA Dues will be required. This must be from the borrower’s own funds and not a gift.

When you decide to purchase a home, the very first step in the process is to get Pre-Qualified. For this, you will need to gather your financial documentation including:

• Two most recent years to W-2’s and Federal Income Tax returns
• Two most recent pay stubs
• Two most recent months of bank statements

This will all be reviewed along with your credit report to determine your qualifications. Once your Pre-Qualification request has been competed, you will know more about your purchasing options.

On an FHA mortgage, HUD does allow a spouse to be on the title to a property but not be on the mortgage itself.

Working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your options. To get Pre-Qualified for your purchase, you can submit your request online at www.rodneymason.com.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of lending experience.

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing.
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Fri Sep 30, 2011
lsabbott asked:
find a home in the price range from 250,000 to 350,000. we "MUST" have a finished basement for our son. my husband has harleys and race cars, so noise is a fact. we would like two acreas…
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Mon Mar 21, 2011
Brian Rayl answered:
Do NOT fall for some of these online websites that offer to sell you a list of foreclosures.

You can get the same list for FREE from a local real estate agent. That should be your very first contact.

If you don't know of an agent in your area, I would be happy to refer you to one. Send me an email or call me if you want one.

Because it's more than real estate. It's RAYL-Estate!

Brian Rayl, REALTOR®, e-PRO, SFR
Keller Williams Elite Dallas Park Cities
972-949-4222
Brian@Rayl-Estate.com
http://brianrayl.com
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Tue Oct 21, 2008
Barry Lynn Miller J.R. answered:
You might look at some type of Government Grant or City /state funding program. Also I would check into Habitat for humanity or your local church- Carpenters for Christ Program.

Hope this helps ... more
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Tue Mar 18, 2008
Emily Erekuff answered:
Hi Rhonda,

It sounds like you are using Trulia's Single Listing Submit by which you can manually enter your listing information. Once you've entered all the listing information you should see a button at the bottom right side of the page that says 'Next'. When you click this button you'll see a preview of your listing and also two buttons on the bottom right: 'Edit listing details' or 'Confirm'. Simply click 'Confirm' when you are ready to post your listing.

If you continue experiencing problems with this process please let us know.

Best Wishes,

Emily Gibson
Customer Service Representative
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Mon Jan 7, 2008
Dan Therrell answered:
If you are financially able to carry a rental property, another option you might want to consider is offering to sell your property with owner financing (called a vendor's lien). You would need to be sure your first mortgage holder, if any, will approve of this. Talk to an attorney about this. He can also draw up the neccessary documents.

In this arrangement you get some downpayment money up front and then collect monthly payments which consist mostly of interest. In my opinion, you have a better chance of getting a solid home owner than you do a solid renter. And the downside of losing the down payment invested, usually insures that the new owners take good care of the property.

In an owner-financed sale, the buyers also become responsible for paying the property taxes, insurance, maintenance and repairs, expenses which you would have to bear if you rent the property.

All the best,

Dan
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