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La Salle County : Real Estate Advice

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  • Home Buying1
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Activity 65
Thu Oct 20, 2016
Angelica P answered:

I apologize we have false foreclosure information listed on our home details page. This data is provided to us from Zillow foreclosures and we currently do not have the ability to edit or remove the information that they are sending us.

Please be advised that I have created a ticket to Zillow Consumer Care to request the removal of the foreclosure status. Once the status is removed from Zillow, it will automatically update to Trulia after 24-48 hours.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

Thank you for using Trulia!

Consumer Care Advocate
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0 votes 1 answer Share Flag
Fri Sep 23, 2016
Robsonhouse1904 asked:
I listed my home back in November, went with a realtor from January to July, and now we're trying on our own again but this not only doesn't have my number as the property owner…
0 votes 0 Answers Share Flag
Fri Aug 12, 2016
Kendratara answered:
The USDA Rural Housing Service offers the following programs to assist rural areas:

Single Family Housing Direct Home Loans
Single Family Housing Guaranteed Loan Program
Housing Preservation & Revitalization Demonstration Loans & Grants
Community Facilities Technical Assistance and Training Grant
Multi-Family Housing Loan Guarantees
Rural Community Development Initiative Grants

The most popular are these are the Single family guaranteed and direct programs, which finance residential SFR properties in eligible rural areas.
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0 votes 6 answers Share Flag
Sun Apr 10, 2016
Scott Godzyk answered:
The problem is not all agents have an auto feed where their mls updates automatically with sites like this, Others do not change the status when a home goes pending which does make it harder on a buyer to know what is or is not available, ... more
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Sat Jan 30, 2016
Nabih Kanaan answered:
Its always best to speak with a lender as soon as possible. In doing that you will identify and address any hurdles up may have front related to credit or assets. In addition you should be given a clear picture of funds required to close and expected payments. It seems as you may qualify for a USDA loan. You do have a number of options that do not require 20% down. Feel free to contact me to discuss. ... more
0 votes 1 answer Share Flag
Thu Jan 28, 2016
Mason Taylor asked:
I am looking to buy a home this year in the LaSalle county area. Last year in went through a bunch of hoops to try to get a usda loan just to be turned down 2 days before the loan was suppose…
0 votes 0 Answers Share Flag
Wed Jun 10, 2015
Franceakite answered:
Do some research about agents in your area that specialize in listing bank owned properties by looking thru local real estate magazines and newspapers. Agents usually advertise these properties as "investor specials, bank owned, corporate owned or REO's". Introduce yourself in person to those agents and give them your contact information, card etc. It is hard to find good help these days and putting a face with name makes you look more professional and eager to work.

Good luck.

Web Reference:
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1 vote 3 answers Share Flag
Tue May 19, 2015
Mason Taylor answered:
The reason for the usda pulling out was because the well was too close to the septic. But still within building code. Okay whatever I've got the money saved up to do %5 down. They come back with nope can't do that either now. Because, I haven't been at my current job for 2 years and they can't count all of my contractual overtime pay which is constant (weekends are overtime) and that my credit history isn't long enough. Not that I have bad credit it's just not long enough for their liking. No one is entirely to blame. But I feel like this should have all been discovered with the amounts of information I provided before I spent all this money to do all this stuff they require ... more
0 votes 5 answers Share Flag
Tue May 19, 2015
Karen Peyton answered:
A suggestion from my understanding...

While two years is the rule, it is typically not with your current employer but work history in the same field. For example, if you worked for ABC as a producer for 2 years and then went to CBS and worked as a producer 1.5 years - your "total" employment history should be satisfactory.

If this is the case with you, remind your loan officer you didn't change "fields" but simply took a better paying job. Ask him or her if writing a letter of explanation to the underwriting would be helpful and provide greater clarity in the matter.

Best of luck!
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1 vote 1 answer Share Flag
Sat May 16, 2015
Mason Taylor answered:
Addt. I will be putting %5 down, lender minimum. Paystub, bank statements, stuff that expires has all been updated because the closing was going to be pushed back because or the seller anyways. My biggest concern is the seller not wanting to extend the contract. The sellers agent made a comment to mine that they had a back up cash offer if mine fell through which kind of seems shady to be entertaining an offer with one already accepted. No terms, price anything of that nature will change. Just asking for a little more time ... more
0 votes 2 answers Share Flag
Wed May 6, 2015
Tony Grech answered:
Is this a USDA loan or some other type of mortgage where having too much income could disqualify you? That's the only plausible reason I can think of that they would ask for that.

If you didn't disclose this income on your application and do not wish for it to be considered in helping you qualify for the loan, then it shouldn't matter.

I guess that's neither here nor there, because it's the 11th hour and the underwriter is asking for it - probably because the income showed up when the pulled your tax transcripts. Welcome to mortgages in the 21st century! Sometimes when they ask you to jump you need to just ask "how high?" and go with it.

Give your loan officer the contact information for this employer so they can request a VERIFICATION OF EMPLOYMENT for be filled out by them to corroborate your history there. Also, it would help to provide a written and signed explanation yourself and to place a follow up call to the employer telling them this form is being sent to them and you'd appreciate them filling it out TODAY.

Then you can hopefully sit back and relax and get closed. Hope this helps. Best of luck!
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0 votes 3 answers Share Flag
Sun Apr 19, 2015
Mason Taylor answered:
I'm referring to the lender as "they". I'm perfectly fine with paying for the mold inspection and associated costs. What I'm asking though is if the USDA appraiser hasn't handed over the report to the lender yet. Why is the lender telling me to have a mold inspection done? Is it normal for the lender to keep adding on more things for me to do? I've contacted my realtor and he's also never heard of a lender doing this before. ... more
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Thu Apr 9, 2015
Javier Montiel answered:
If this is FSBO Trulia doesn't allow it. If you are working with an Agent they can manually do it for you.
0 votes 2 answers Share Flag
Fri Jan 30, 2015
Aaron and Cheree Tiry answered:
Have you checked out the "rent" section at the top of Trulia? There may be something in there. Otherwise you could also check to see what they have for posted for rentals. ... more
0 votes 1 answer Share Flag
Wed Sep 10, 2014
Patty Harrison answered:
Hi Cory:

We may be able to help you. We offer financing for scores as low as 560. Please call or email me with more information.

I look forward to helping you!

Best regards,

Patty Harrison
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0 votes 1 answer Share Flag
Mon Jul 14, 2014
Wk.blanchard asked:
We had been looking for property in communities along the Illinois river, but have since learned about the fracking boom and need for the area's sand. So there is also a boom in sand…
0 votes 0 Answers Share Flag
Thu Apr 24, 2014
Laura Karambelas answered:
Hi Karen -

Below is an information page for Ottawa IL. It references LaSalle County flood maps as well as pages from FEMA. You can search property locations and maps through various websites or you can visit the county for more information.
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Tue Mar 11, 2014
Cyndi Wheeler answered:
The grade school is Otter-Creek Allen, and it is located in town. They go through 8th grade. High School is Streator district.
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