Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Jefferson County : Real Estate Advice

  • All2
  • Local Info0
  • Home Buying2
  • Home Selling0
  • Market Conditions0

Activity 643
Yesterday at 3:34pm
Meo12544 asked:
That is under fair market Price and can he sell it without all four signatures on the deed
0 votes 0 Answers Share Flag
Sun Sep 17, 2017
Georgecara asked:
Wed Sep 13, 2017
Chaptv asked:
I am about to buy this home perhaps.
0 votes 0 Answers Share Flag
Mon Sep 11, 2017
Rachel asked:
I am a Zillow Premier Agent. I listed 405 Victory Ridge Ct on Friday, 9/8, but the new pictures I added to the listing are not showing up when I pull up this property on Trulia. The new…
0 votes 0 Answers Share Flag
Tue Aug 29, 2017
Bdawson asked:
I want people that are looking for riverfront propert and or property in my neighborhood to find it.
0 votes 0 Answers Share Flag
Tue Aug 29, 2017
Bdawson asked:
I would like to post enough info that it can be found when people are looking for houses in my area.
0 votes 0 Answers Share Flag
Wed Aug 23, 2017
Bryce Davis asked:
Tue Aug 22, 2017
Lillypud asked:
The house across the street was foreclosed in 2014. In fact, all of the data listed at my address is for the house across the street. How does this get mixed up on at least 3 major home…
0 votes 0 Answers Share Flag
Sat Aug 5, 2017
Kathy Burgreen answered:
If you're in bankruptcy, you should 't be getting a loan in the first place. You should have paid off your old creditors instead. You need to rent. Learn a lesson and live on what you make. Don't spend money on things you can't afford - like a home. ... more
0 votes 2 answers Share Flag
Sat Aug 5, 2017
answered:
Kentucky FHA loans after a significant derogatory credit events which include bankruptcies, foreclosures, deeds-in-lieu of foreclosure, pre-foreclosures, short sales, and mortgage charge-offs.

A Chapter 7 bankruptcy – MUST be discharged at least 2 years from Case Number Assignment Date. Requirements
include:
1. Complete Copy of Bankruptcy paperwork MUST be provided
2. Borrower must write a detailed explanation explaining the reason for the Bankruptcy
3. The Borrower must have re-established good credit; or chosen not to incur new credit obligations.
4. An elapsed period of less than two years, but not less than 12 months, may be acceptable, if the Borrower:
– Can show that the bankruptcy was caused by extenuating circumstances beyond the Borrower’s control; and
– Has since exhibited a documented ability to manage their financial affairs in a responsible manner.
– If a Chapter 7 is discharged less than 2 years from the date of Case Number Assignment Date the loan must be downgraded to Manual Underwriting and meet all requirements listed in HUD 4000.1 Handbook



Chapter 13 must be discharged ** Requirements include:
1. Complete Copy of Bankruptcy paperwork MUST be provided
2. Borrower must write a detailed explanation explaining the reason for the Bankruptcy
3. The Borrower must have re-established good credit; or chosen not to incur new credit obligations.
4. An elapsed period of less than two years, but not less than 12 months, may be acceptable, if the Borrower:
? Can show that the bankruptcy was caused by extenuating circumstances beyond the Borrower’scontrol; and
? Has since exhibited a documented ability to manage their financial affairs in a responsible manner.

5. If a Chapter 13 is discharged less than 2 years from the date of Case Number Assignment Date the loan must be downgraded to Manual Underwriting and meet all requirements listed in HUD 4000.1 Handbook
... more
0 votes 5 answers Share Flag
Wed Aug 2, 2017
Sarahdralston asked:
We only used it as decorative, we lowered the home price $5k the day the buyer made the offer, and inspection found $5k damage in crawl space.
0 votes 0 Answers Share Flag
Sun Jul 23, 2017
Michael Musgrove answered:
Lots. Most of Louisville is blue collar, and near the East End is where a lot of their workplaces are located. You have to go look around though; there aren't vast neighborhoods of nothing but blue-collared workers though. ... more
0 votes 2 answers Share Flag
Mon Jul 10, 2017
Mary answered:
Hi,

My best recommendation is to edit your Trulia profile and input your phone number so it will appear on your property listing page. Please follow the instructions below.

1. Log in to your Trulia profile
2. Hover your mouse to your name located at the upper right corner of the page and click 'Profile'
3. Input your phone number and click 'Save'

Once you updated your phone number on your Trulia profile, it will automatically appear on your listing page after 24 to 48 hours.

Thank you for using Trulia!

Mary
Consumer Care Advocate
http://www.trulia.com/help/ask/
... more
0 votes 1 answer Share Flag
Tue Jun 20, 2017
Alan May answered:
I can't imagine why it would take 8 weeks to put up a railing on a deck. I'm sure there are plenty of handymen, carpenters who would love to put up your railing a whole lot faster than that. Call around. ... more
0 votes 2 answers Share Flag
Wed May 17, 2017
Kathy Burgreen answered:
DON'T DO IT!!! Please NEVER co sign for anybody or anything. You will regret it. Here is how it works: If you co sign, it means you are legally responsible for the loan. If the borrower (your Mom) defaults or pays late, the lender will force you to pay the monthly payments.

Example: We co signed for our son's student loans. The payments started 6 months after graduation and within a year, he started paying late. Payments are due the first of the month. He was paying around the 15th of the month. Between the 10th and 15th of the month, we received up to 4 phone calls everyday from the lender requesting payment. They threatened to garnish our salary, put a lien on our house and they have our Social Security number so they can take our IRS tax refund. And this is because our son paid 15 days late - he never defaulted. He always paid the loan. You should have been on the receiving end of those phone calls. They do sound threatening and they mean business.

Tell your Mom's lender that you REFUSE to co sign. Explain to your Mom that co signing will ruin your life and yes it will make it difficult to get a mortgage loan if you want to buy a home. When you apply, your lender will take the co signed loan with your Mom into account and it means your debt to income ratio will be higher than it should be. Lenders view it as you owe the entire loan even though it's your Mom's responsibility BUT you co signed for it.
... more
1 vote 1 answer Share Flag
1 2 3 4 5 6 7 ...
Search Advice
Search

Followers

47