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Joliet : Real Estate Advice

  • All136
  • Local Info13
  • Home Buying38
  • Home Selling7
  • Market Conditions7

Activity 99
Thu Jul 14, 2016
Neil Roxas answered:
Hello,

We’re excited you’re using Trulia for your home search process. We are a real estate search engine so we don't represent the homes found on our site. Please follow these steps to begin your home search:

1. Click the "Rent' tab at the top of our homepage.
2. Enter your desired city and state in the search bar and hit Enter.
3. Click 'Max Price' to select what your highest price would be to pay for a home. Click 'Min Price' to set the lowest price you would pay.
4. Click 'More Filters'.
5. Select your preferred property type, square footage, etc.
6. Click the red 'Apply' button.

This will begin to pull up listings that are more tailored to what you are looking for.

If you are interested in a listing, click on the "Contact the agent" button to get in touch with a real estate professional in your area. You can also take advantage of our vast network of agents here:

http://www.trulia.com/directory/

We hope your experience with Trulia is memorable and thank you for using Trulia for all your real estate needs.


Jeo
Consumer Care Advocate
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0 votes 1 answer Share Flag
Wed Jun 15, 2016
Andrewfobes0311 answered:
This is a little late from the post, hopefully others see it.

The single biggest surprise fee that most VA users are likely to see is the VA funding fee. The reason no down payment or PMI is required is that the VA guarantees a portion of the loan, your "entitlement", and requires capital to keep the program going. With no down payment it is 2.15% of the value of the purchase, or about $8,000 on a home valued $375,000. Unlike the down payment, this does not go towards the mortgage and is separate from the lenders fees that will be charged by the bank. Those fees are typically around 1% of the value of the loan and are interestingly limited by the terms of the VA. If your lender violates the guidelines set forth by the VA, they can lose the privilege of administering VA loans altogether, though I'm unsure how often that actually happens.

To reiterate, this money goes to the VA to keep the program alive, your other fees go to the bank, government, etc. to actually fund the process of buying the home.

You have the option of putting a down payment with a VA loan to reduce the percentage of the funding fee as well, depends on your personal finances. You may also be able to wrap the funding fee into the value of the loan itself, depending on your lender.

One final note, unless you are subject to the alternative minimum tax (AMT), you may deduct your funding fee along with your mortgage interest! This is a great tax strategy and can help with the pain of inevitably having to buy a new roof or HVAC system your first month in the house.
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0 votes 9 answers Share Flag
Wed Apr 13, 2016
Christina Feeney answered:
Hello,
Have you looked into Home Partners of America? This is one company that specializes in this. Please contact me for further information.
Thank you,
0 votes 1 answer Share Flag
Wed May 20, 2015
Lisa Pocius asked:
This question was asked from http://www.trulia.com/rental/3107333693-2813-Vimy-Ridge-Dr-Joliet-IL-60435
0 votes 0 Answers Share Flag
Wed May 13, 2015
Dan Tabit answered:
Rosytovar,

Rent to owns are rare and even more rarely are they a good deal for the renter/buyer. The vast majority of rent to own renter/buyer's never end up buying the house. They are a great deal for the landlord/Seller as they get to collect large up front deposits and over market rent only to do it all over again in the same house. I consider it basically immoral and predatory in most cases.

Resolving credit issues isn't rocket science and a local mortgage lender can and often do assist buyers with this. Many things you can do yourself, others the lender can direct or assist you with.

Most people in this position are far better off renting the least expensive place they can stand to live in and save up some down payment, get on a budget and fix their credit. Once you are qualified, you can select any listed property in your price range and you've fixed the issues that hurt your credit.
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0 votes 1 answer Share Flag
Thu May 7, 2015
Mishiel Paterno answered:
You have to prove first that you are the homeowner of a particular property or if you are a realtor, prove that it is your listing or you are the one that sold it... then after verification by Trulia, you will be able to edit, upload or refresh photos thru your account or profile!... Goodluck! - MP ... more
0 votes 2 answers Share Flag
Fri Apr 3, 2015
Russsheda Bass asked:
Section 8 voucher but having a difficult time finding a home. I'm open for any advice & help possible.
0 votes 0 Answers Share Flag
Sun Mar 1, 2015
My NC Homes Team answered:
Be extremely careful as I can assure you rent or lease to own is more often than not a sure fire way to get taken advantage of. See the article I've linked below. There are certainly hard money investors out there but you should expect to have to pay roughly a 2% origination fee and 12% interest (at least that's the going rate in our area) and this is likely to end up badly. ... more
0 votes 1 answer Share Flag
Mon Feb 9, 2015
Diane Christner answered:
If you believe a listing is a scam, you can alert Trulia by going to the listing, clicking on the MORE tab, then flag it.
0 votes 1 answer Share Flag
Fri Dec 26, 2014
ssimich07 asked:
Sun Oct 19, 2014
Ranee Bray answered:
I need more information.... did you sign a contract to sell your home to a buyer and then changed your mind? If that's the case, you are very lucky $300 is all you are being hit with. Did the buyer mutually agree to cancel the purchase contract?

I let sellers out of my listing contract free of charge if they aren't happy.... up until the time they sign an agreement to sell the home (purchase contract/accepted offer). At that point I fulfilled my end of the bargain and that is what I get paid for. If they want to cancel before we find a buyer.... then that's all good - and I'll help them next time around.

Another thought... have you just not found the right home? Is the same agent helping you with that side? If you had a strong offer, maybe you can extend out the time on the deal - to give you additional time to find a home?

Best of luck,
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0 votes 4 answers Share Flag
Sun Oct 19, 2014
Judi Monday, CRS answered:
The time to negotiate your commission is when you are signing the listing agreement not after your agent starts marketing and showing your property.
0 votes 4 answers Share Flag
Sat Sep 27, 2014
Ann Ryan answered:
Rather than asking this online, I'd suggest you reach out to the top realtors in the area. Frankly, I wouldn't hire one stager who had such a certificate over one who didn't. Instead, the two most important factors to me would be their portfolio of previous projects and cost structure. ... more
0 votes 1 answer Share Flag
Wed Aug 20, 2014
Blanca Zuniga answered:
Investors buy homes, they don't sell. Investors usually pay you cash and the least amount they can.
Their goal is to buy your house cheap, fix it and sell it for a profit usually for 30%. You should hire a Realtor who will market your property agresively and get you top dollar. Bilingual agents like my self helps because if you get a Spanish buyer, buyers take more time to discuss information about the buyer.

Sellers think that selling by owner saves them money, in reality statistics show working with an agent you get paid more for the house. A sellers agent has a vested interest in selling your home and making a living. As a Realtor's we are used to negotiating. Contact me and I'll set up an appointment and show you what I do.
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0 votes 3 answers Share Flag
Tue Jul 1, 2014
Monica asked:
This question was asked from http://www.trulia.com/rental/3157529142-1911-Carrier-Cir-Plainfield-IL-60586
0 votes 0 Answers Share Flag
Sun May 25, 2014
Vicky Asbury answered:
i am not a relator , most of your answers are coming from such so beware and take with a grain of salt.
Rent and see which areas you like for your self
0 votes 2 answers Share Flag
Sun May 11, 2014
Stephanie Poulos answered:
Depends on what area in Joliet you're looking at. Make sure you check the school ratings as well.. Most of Joliet schools aren't rated very well...
0 votes 2 answers Share Flag
Sat Apr 19, 2014
Maria Gonyo answered:
I have a perfect Lender for you to turn to:

ERic Jones
Branch Manager
Office: 3032194547
Cell: 646) 580-4839
Fax: 315-701-9198
E-MaIl: morethanlending@gmail.com
Web Site:iccmortgage.com

If you want to discuss your situation in more detail please Email me on gonyo_m@yahoo.com: When you are ready to buy your home after obtaining a pre- approval i will assist you with finding a home.

Maria Gonyo
Realty Mark Cityscape
... more
0 votes 3 answers Share Flag
Fri Mar 28, 2014
Eric asked:
I saw a bank-owned home listing that came up for one day last month. The listing on Realtor.com showed it as "active" but the listing agent put a note in the description that there was…
0 votes 0 Answers Share Flag
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