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Home Buying in La Crosse County : Real Estate Advice

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Activity 19
Thu Nov 12, 2015
Josh Lund answered:
Hello Fportillo25,
Good morning.
Ok your looking in the La Crosse and Madison areas. Do you have a realtor?
Are you still in the market to buy a home? If so, I would love to see if we can help you out. We can do loans down to 600 Credit Score. We also don't need 3 trade lines like many banks require. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
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0 votes 1 answer Share Flag
Wed Aug 13, 2014
Drew Eckelberg answered:
I'd love to help you. Feel free to contact me through my Trulia profile.
0 votes 3 answers Share Flag
Wed Jun 18, 2014
Stosh answered:
There is/was a moratorium on converting a property over to a rental. I don't know if that is still in place. If it is, then the seller may not be able to rent it.
0 votes 4 answers Share Flag
Sat Mar 8, 2014
Joseph Roraff answered:
Buyers should always be at the home inspection. Sellers are usually the ones not there.

A good home inspector will not only show you what needs to be fixed on your potential new home but will show you how to maintain the value and quality of your property with maintenance and basic skill and care while informing you of all the important details you should know. ... more
0 votes 11 answers Share Flag
Sun Feb 23, 2014
Dawn Levandoski answered:
It is always the buyers choice on who they choose to use as a home inspector. My buyers have had excellent service and professionalism with All American Home Inspection. Brian Reitzel is highly knowledgeable in inspections and fairly priced. http://www.allamericanhomeinspect.com/ ... more
0 votes 5 answers Share Flag
Mon Jan 13, 2014
Scott White answered:
Benjamin, I work with many buyers like yourself. If you are interested in working with a local lender who can help guide you through the home buying process give me a call or shoot me a text. ... more
0 votes 2 answers Share Flag
Mon Sep 9, 2013
Renee Heintz answered:
I have a seller that may possibly be willing to do that on a new construction condo on Brice Prairie, but I'm pretty sure he would like to have a down payment, but let me know if you would be interested and we can talk more together and the seller. Thanks. ... more
0 votes 1 answer Share Flag
Tue Aug 27, 2013
ong moua answered:
A short sale in Wisconsin occurs when a lender is willing to accept less than the full mortgage pay-off. The lender agrees to an amount that is less than the outstanding mortgage (by reducing the pay-off letter) and allows the borrower's debt to be forgiven.

A property is a candidate for a short sale in Wisconsin when all liens, plus costs of sale, exceed the market value. Liens include mortgage liens, mechanics liens, tax liens, unpaid judgments, and unpaid HOA fees.

An Wisconsin short sale is a form of pre-foreclosure sale in which the mortgagee agrees to accept less than the loan amount to avoid foreclosure. The good news is that the lender pays the closing costs,commissions, title fees, and repair costs. The seller gets the home sold, the loan satisfied, avoids foreclosure and saves point deductions on their credit.

For a better quote I would get an agent, but hopefully this helps you.
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0 votes 3 answers Share Flag
Fri Jun 7, 2013
Joseph Roraff answered:
That is the mortgage calculator that Trulia uses. So for example... if you bought the house for $154,000 your mortgage payment would be $684/month. That usually doesn't include taxes, Private Mortgage Insurance (PMI) or Home Owners Insurance. So in reality your mortgage payment would be much higher than $684/month. ... more
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Tue Dec 11, 2012
Edward Jones answered:
Good morning Joseph,

From a realtor's standpoint, I am constantly referring clients to various lenders which I have dealt with. Ultimately, it is the client's choice whether or not to work with a lender or lenders I have suggested to them. On occassion, lenders will come to me and ask if I would be interested in working with their client(s). I never ask for anything in return from a lender because of a referral. It is part and parcel of what I do. And yes, it is highly illegal to seek compensation for referrals from a lender and conversely. Relationships are what drive any business and especially in the area of real estate and lending, whether one is working with lenders, home inspectors, wood eating/destroying specialists, title companies and so forth. And more importantly, the customer is who we need to focus on and satisfy providing we follow code of ethics and the laws which govern our professions.

Wishing you all the best in your endeavors, Joseph.

Edward Jones
Coldwell Banker River Valley Realtors
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0 votes 5 answers Share Flag
Mon Jan 10, 2011
Debra (Debbie) Rose answered:
Happy to hear your update - you're not only dreaming big, you're doing something proactive to make it happen!

Bravo, and keep up the good work.

I have no doubt you will achieve all the goals you are setting for yourself!
Good luck with the new job and all your future plans!

Regards,
Debbie
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0 votes 17 answers Share Flag
Mon Nov 29, 2010
Michelle Grimm answered:
Hi Mike, Good question, but hard to answer without seeing the property. Much like Anna's answer, it really does depend on exact location, property size, condition, upgrades, etc. I highly suggest talking with a Realtor to find comps on previous sales and what's currently on the market. Working with a Realtor is so much more than just looking at homes. You have someone on your side, negotiating and helping you make an informed decision. A Realtor can explain the difference in working with a selling agent or a buying agent and the responsibilities of each and how they are different. ... more
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Sun May 23, 2010
Angela Gardner answered:
Bradley~ This remains the hardest question in our industry. We all like to hope that our homes appreciate at a good rate. But alot of that depends of the location, condition, ago, etc of the home. Just because there were no improvements, doesn't mean the home was not taken care of and well maintained. Everyone hopes to make a profit when selling their home. Market conditions in the area the home is located will determine alot. What homes have sold? How long did it take? Was it listed professionally. All of these factors help in determining list price- but that still has little merit when it comes down to it. The main factor is "What is a buyer willing to pay" for this property? I would suggest you consult a REALTOR that works in your local market and can help answer some more specifics for you. I am located in Onalaska, WI-if I can help at all, just let me know. Thanks for the great question/1 ... more
0 votes 3 answers Share Flag
Thu Sep 24, 2009
Judy Barr answered:
Hi Greg:
Never, never, never buy a property without a recent survey that shows the lot lines and where the improvements lie. Banks may or may not require a new survery but with probable the biggest investment you ever make have a new survey done to make sure the legal description matches up and any improvements are marked. Who pays for it can be negotiated in the offer to purchase. ... more
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Tue Sep 22, 2009
Angela Gardner answered:
La Crosse Inspection Company - Steve Lethlean @ 608-782-1542. We have worked with him for years and he is GREAT! Reasonable on price and very educated.
1 vote 1 answer Share Flag
Fri Aug 14, 2009
Heather Jarden answered:
I do find often that buyers are concerned with shared well & septic. I never quite understood why other than the fact that you may have to converse with your neighbor from time to time about it if problems arise. Factors to consider are often who is billed for the electric if it is not separate meters for the well and if the shared well/septic is recorded. These are both certainly items that you can address in an offer if they are not. In my opinion there really is more of an upside to the shared well/septic. That is if either need repair or breakdown you share the cost with your neighbor instead of consuming it on your own. ... more
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