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Home Buying in Leander : Real Estate Advice

  • All96
  • Local Info11
  • Home Buying31
  • Home Selling1
  • Market Conditions3

Activity 43
Sun Dec 3, 2017
Frank S. answered:
Hello Larry, are you intending on selling and buying another primary residence again? Are you growing out of the size of your current home or down sizing? Are you looking to sell and rent a home after the sale?

When did you buy the home originally and for how much? How many bedrooms, baths and square footage is the home? How is your credit profile and do you have funds for a down payment on another home without the sale?

The current inventory of single family homes for sale in Leander start from 175k for 3bd 1.5ba 1,484sf home built in 1960.

In this market you will gain equity as time goes as well as the home prices of your next purchase going up. There are still questions to be answered before you can put together a game plan.
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Sat Jul 30, 2016
USDAMTGHUB answered:
It's all based on location, contact us if we can help.

USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
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Mon Jul 11, 2016
Sally Grenier answered:
What does your REALTOR say? What does your contract say? In a contract to buy you can terminate over inspection issues and still get your earnest money back. Or, if the property was inspected and it was fine at the time of inspection, but now it's not, I'd ask the seller to fix the a/c. You really need to discuss this with your agent and figure out what your options are. If you refuse to sign closing docs, you could lose your EM. ... more
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Tue Nov 17, 2015
Debra (Debbie) Rose answered:
You'll need to ask your agent to do that - call him or her.

Trulia doesn't do any editing of listings................they only gather data and post it.
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Sat Aug 15, 2015
Joshua Marriott answered:
I would be happy to provide you with some lender recommendations. Having a loan under your name currently will affect your debt to income ration and lower the price of the home you would be able to qualify for. ... more
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Sun Mar 29, 2015
Le Green Schubert answered:
Even if you didn't put an expiration date, you have the right to withdraw your offer at any time before the seller accepts it. So have your agent contact the seller's agent and let them know you plan to withdraw at a certain time if it hasn't been accepted, so that you can go look at homes that the sellers actually want to sell. ... more
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Sun Mar 29, 2015
stephen webber answered:
Good Morning
Finding an experienced loan officer who works for a lender that offers all of the loan types for first time home buyers and who also has experiece with TX assistance and grants. Experienced loan officers work with credit every day and are your best source of information. Gather information before you choose your loan officer. Read, Consultation Interviewing Loan Officers, on Your-Road-Home.com. You will also find artilces on loan types for first time home buyers and links to the TX agency offer assistance and grants. Be sure to read artilce #9 about the MCC tax credit. Best tax credit ever. After you have gathered up all the information you can carry you will have the questions for interviewing loan officers and know what the answers should be. Trulia is also a good source of information and when yu are ready you will find loan officers and agents from your area offering their services on trulia.
I have watched many people through the years gather information, set a plan and time line and be in there new home in no time. Best of Luck, Stephen
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Sun Mar 29, 2015
Eric Recktenwald answered:
Barbara,

Credit score is not the only measure of one's ability to purchase a home. I believe, most lenders will consider a FICO score of 550 or lower, to be outside of the acceptable range for most of their programs.

However, home purchasing is not always limited by a low credit score and there are numerous other options for purchasing a home. I am guessing you would not have asked this question if you had the cash on hand for an outright purchase, but cash is an option that does not rely on credit scores. Other options may include private held mortgages, owner carry loans, or other more complex transactions such as a lease purchase which will require an attorney's involvement.

For a better answer to your question about credit scores however, I would suggest checking with a reputable local lender. Often times your trusted Real Estate agent can provide you with contacts for those individuals if you do not have one.

In instances where you are concerned about your credit score and looking for ways to "re-score" or follow a rapid recovery program, the best lenders will also have programs or be able to assist you directly in the necessary steps toward repairing or improving your credit situation. Be cautious in this area, there are scams out there that will promise you results for an exorbitant fee that gets you little or no real results. Quality mortgage providers often will counsel and guide you on this process for very little or no out of pocket expense.
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Sun Mar 29, 2015
Wendy St Thomas answered:
Its all about neighborhoods--email me or text me if your still looking for help to purchase--I also have a great lender local as well--512-925-3271 yellowdaisyy@aol.com
0 votes 5 answers Share Flag
Wed Jan 14, 2015
Scott Godzyk answered:
That is a question for the listing agent managing broker or the state real estate commission. All offers have to presented to the seller no matter how good or bad unless the seller put in writing something like no offer under this amount or no offers from buyer who do include a pre qualification letter. ... more
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Thu Oct 9, 2014
Eric Recktenwald answered:
Amanda,

The options for this depend totally on location. Obviously some locations where developed lots exist are closer to being built out than others. What you may also need to consider is that there are restrictions against allowing mobile or manufactured housing on many developed lots, therefore many open lots will not accommodate your interests.

The other issue may be actual financing the balance of the purchase price. From what you are saying here it sounds like you will need financing for land. Improved or unimproved land financing is usually more difficult for a Buyer to obtain. Credit union and smaller banks tend to be more receptive with these things.

It is something that can be done, just need to know what your budget is and where you are willing to look.
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Sun Apr 27, 2014
Phil_hagemeier answered:
Sun Feb 23, 2014
AustinHomeSearch answered:
I believe the builder's lender might have better option in terms of closing cost or other benefits.
Also I am confident to get qualified as I have done before 6 months. I want to run my credit for pre-approval only after confirming the house.
But the interesting part I see from your response, the 12 month rate lock. Not sure how it works? and what are the other impacts in going with 12 month rate lock? Like whether I need to pay any premium for that rate lock?

If no obligation then I would discuss further in getting the loan process done. Also can you let me know the 30 year fixed interest rate assuming best credit score
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Sat Feb 22, 2014
Betty Saenz answered:
Leander Real Estate prices are escalating and demand is high. We are in a Seller's Market. Besides being near parks and trails, do you have particular needs like being near the Leander Station for public transportation into Austin TX, etc.? Currently, there are 42 homes at $200,000. or below. North Creek Ranch and Blockhouse are 2 that quickly come to mind when thinking about your criteria. I am a Buyer's Agent with Sky Realty who lives and home offices in Leander Texas. Let me know if I can have the pleasure of being your Buyer's Agent. ... more
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Mon Jan 13, 2014
Jason Martinez answered:
Might be too late, but Brian is good with these types of loans.
JM

Brian Cisna
Mortgage Banker
NMLS ID # 621108
Bank of Texas
11044 Research Blvd
Building C, Suite 100
Austin, TX. 78759
512.743.3335 I Cell
512.527.6811 I Office
713.354.0213 I Efax
bcisna@bankoftexas.com


APPLY ONLINE AT: www.bankoftexas.com/briancisna
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Wed Jan 8, 2014
answered:
VA loans are 0 down. So are USDA(rural development)!!
If you think you will be buying outside of the city limits, I can look and see if your area is eligible for that loan.
Otherwise.... 3.5 - 5% down is very available.

Tom Burris
Mortgage Banker
http://www.dallasloanguy.com/
(214) 763-4629 cell/text/nights/weekends(Really!!)
tburris@servicefirstmtg.com
Lending all across the entire Great State of Texas!!
NMLS# 335055
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
.
9yr Veteran navigating Mortgages for wonderful clients.
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Sat Nov 23, 2013
Rebecca Wooten answered:
Call me I can answer your question...

Warmest Regards,
Rebecca Wooten, REALTOR
Spencer Properties-Broker
Cell: (512) 662-4020
Fax: (512) 583-3800
www.MyPerfectTexasHome.com
Rebecca@MyPerfectTexasHome.com
Check Out My Available Hot Listings:
502 McCarthur Drive
10 Valley View Circle
1325 Tumbling River Drive-Coming Soon
1313 Dove Haven Loop-Pending Taking Backup Offers
605 Plumbago Drive-Pending Taking Backup Offers
... more
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