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Financing in Kenneth City : Real Estate Advice

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Activity 5
Sat Jun 27, 2015
Budd Morris answered:
I have a good mortgage person that specializes in VA loans. Please contact me
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Tue Jul 12, 2011
Pamela Cohn answered:
Hi Argentinegirl01,

Credit scores are done by 3 main companies and the lender will average or use the lowest. You don't want to keep pulling your credit score or it will actually lower it. As many have already said you will want to check with local lenders to see what programs they have available and also to make sure they are licensed in Florida.

Now it a good time to begin interviewing agents to work with. I agree with Martha, find one you are comfortable with and who knows the areas you want to look in. They can give you some lenders to check out for rates and services. If you have already had your credit pulled, get a copy of the score, which they should give you and you can tell the lender here so that you can get an idea of what price range you are comfortable with and how much mortgage money that will buy you. Remember to have them include not just principle and interest but also taxes and insurance since most lenders will include this in your monthly payment. Depending on what you are looking at you may need to include a condo or HOA fee.

While you are browsing on line I have a free service called “Listingbook”, which I provide for my clients. It is like a back door into the MLS, which updates daily: new listings, price changes, solds & withdrawn listings, allowing you to really be able to follow and learn the market. I set up a basic search according to your guidelines. Once you are in, you can change the parameters as you need. If this is something you would be interested in let me know & I would be glad to set up your free Listingbook Account.

When you visit the Tampa Bay area, I also have a free automated service called CITY (Curbside Info to You) available 24/7. I issue you a number you can call in on ANY Real Estate For Sale sign and it reads the MLS information to you from the street address for all ACTIVE MLS listings. If this would be helpful let me know. I just need your cell phone and an email to register it. If you want to put it on multiple phones, I can put up to three numbers on one user. Just send the numbers you want added. I will email you the number you call in on to get the information. Put it in your favorites for quick access when you are driving around. I use it all the time.

I feel an informed client makes the best decisions regarding their real estate needs. Let me know if I can be of assistance.


Pam Cohn
Broker Associate, GRI, SFR, NHS
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
2539 Countryside Blvd #3 Clearwater, FL 33761
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Thu May 20, 2010
Shane Haithcock answered:
VA loans are not Credit Score driven, Robert. The requirements are much more lax than that of a traditional loan. If you want to speak with a VA specialilst, Visit us or give us a call.

Mortgage Loan Specialists
51 Horton Plaza
San Diego, CA 92101
Toll Free:(888) 237-9889
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Fri Oct 16, 2009
Dan Chase answered:
I am not a lender or a realtor. My concern is simple. I do not care what your fico score is. I worry about your current debts. You should not have more than 1/3 of your income ( if you make $300 a month spend no more than $100) to be ok financially. If you are in deep debt you would likely be better off to pay down your current debt and then in a few years buy a house. Then you would have more free income and a higher fico score. Both would be a big help in you getting a more affordable house.

When you buy a house you have to be able to handle it when a $3,000 furnace dies along with the $300 water pump. Then suddenly you have to spend $5,000 on a roof and what do you do?

If you have bad debt now ( I would expect that with that low a score) talk to a free credit counseling agency to help you get the debt paid down. Once that is done you will find it much easier to get a loan, get it at better rates, and have the freedom to not feel crushed by bad credit and have open credit lines.

If you buy a house with limited extra resources it gives you to good a chance to lose it later. You only get ONE V.A. loan in your life. As one vet to another I do not want to see you waste it. I would think in 3 years you could have a much better FICO score and likely find lower prices on houses.
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Mon Feb 23, 2009
Racquel Morgan answered:
It looks as though you have received several responses in regard to your financing questions. Should you need further help in respect to this, it would be our pleasure to provide you with more details. Additionally, if you are interested in property in our area -- Northwest Florida --- Emerald Coast, Beaches of South Walton & the Scenic Highway 30A, we would love to share with you what kind of choices you could find in our area! ... more
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