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78028 : Real Estate Advice

  • All10
  • Local Info1
  • Home Buying5
  • Home Selling0
  • Market Conditions2

Activity 10
Sun Aug 23, 2015
Barbara A Dewell asked:
We bought a foreclosure and now have listed it for rent through Postlets. It still shows up as a foreclosure on Trulia, how do I update info about the home or get rid of out of date info?
0 votes 0 Answers Share Flag
Tue Jul 29, 2014
Chris Griffin answered:
For 2013 (January 1 thru June 30, 2013) 1st half...the Kerrville MLS shows 461 Total sold properties.

For 2014 (January 1 thru June 30, 2014) 1st half...the Kerrville MLS shows 507 Total sold properties.

Todays date is 7/29/2014 so I figured I would show first half of this year compared to fist half of last year.

Yes I believe the market is picking up, and the prices seem to be on a slight upward trend.

Great news.

Chris Griffin
America Homes and Ranches
... more
0 votes 7 answers Share Flag
Tue Jul 29, 2014
Chris Griffin answered:
Another thing to consider is: If the person owning the real estate owes for example IRS taxes on the property or other judgements on the property....that property cannot be transfered by the Title Company until those back taxes and any encumberances are paid for.

The Title Company issues a "Title Policy" to the new buyer, which is like an insurance policy stating that they have checked and no current liens or encumberances are associated with the property, except of course if you got a loan, then that would be on there.

Hope this helps a little more.

Chris Griffin
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0 votes 4 answers Share Flag
Tue Jul 29, 2014
Chris Griffin answered:
The Kerrville Police Department can give you a crime rate statistic chart, Crime in my opinion is relatively low in Kerrville compared to the large metroplexes, thats why I enjoy raising my family in Kerrville. I dont really know of one area that is better than another area.

Hope this helps, call the Police Department and see what information they will share. Their number is 830-257-8181

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0 votes 1 answer Share Flag
Mon Jul 28, 2014
Chris Griffin answered:
The mortgage industry seems to change all the time but currently. HUD.GOV says maximum mortgage length with land is 20 years. And I believe on VA loans you can go as high as 25 years with land attached. There are probably other options out there.

Again the mortgage industry is continuously changing, so go to government sites to confirm....and talk to your loan officer.

Hope this helps.

Chris Griffin
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0 votes 1 answer Share Flag
Mon Feb 4, 2013
Don Groff answered:
The home is going to sell for less than what is owed on the property. Because of this the lender has to approve the sale. You still negotiate with the seller initially but the offer will need to go through an approval process that can take a while. It all depends. Make sure your timeframe is not immediate as short sales can take 60 to 90 days or possibly longer. Depending on how far along they are already in the process will have the greatest effect on how long it takes along with the experience of the agent listing the property.

Best of luck to you.

Your scores are still very important in determining the risk. The fact that your scores are low means that in the past you have not paid your bills for one reason or the other. That puts you at a higher risk and when you are at a higher risk you pay more. Regardless of your rent history. If you had a troubled rental history along with problem credit your application would probably be declined.

Remember when you rent a home or an apartment you are essentially taking possession of something of great value to the owner. Your credit profile goes a long way in determining how you will take care of the property. While from your question I can get a sense that you would most likely take care of the property the new landlord does not know that. They may feel they are taking a risk by your credit score. Especially when more and more people are renting.

The moral of the story is.... take this time to work on your credit. Pay your bills on time or even early. Credit is so important and not having good credit will cost you in the long run as you can see.

Best of luck to you.

Don Groff
REALTOR® | Mortgage Broker
Keller Williams Realty | 360 Lending Group
o 512.669.5599 m 512.633.4157 |
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0 votes 4 answers Share Flag
Sun Jul 29, 2012
Tammy and Lucy Fullerton answered:
No you shouldnt be able to see it from this area
0 votes 3 answers Share Flag
Tue Mar 13, 2012
There is a 203k streamlined loan where you can add up to $35,000 in repairs. You don't have to work with a consultant to write up a complicated plan, and your Realtor shoud be able to refer you to a lender with 203k experience. However, depending on the cost of your central air system, some lenders offer a 203(b) FHA loan which can allow up to $5,000 in escrow for repairs. If your only desired repair is the A/C, I'd would also consider a quick home improvement or even an equity loan after closing.
Barbara Coker
Licensed Mortgage Loan Officer
100% Home Loans All Over Texas
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0 votes 9 answers Share Flag
Thu Jul 15, 2010
Dianne Poppe answered:
Hello John,
Trulia does not pull listing from the local MLS. Our listings feed to Trulia through our web site so other offices' web sites do not. You can search our local MLS through our web site if you would like.
Dianne Poppe, REALTOR®, GRI, ABR, SFR
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0 votes 6 answers Share Flag
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