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Lebanon : Real Estate Advice

  • All35
  • Local Info2
  • Home Buying17
  • Home Selling0
  • Market Conditions4

Activity 31
Thu Nov 10, 2016
Bob Bering asked:
921 N. 8th Avenue - Lebanon, PA 17046 is the property I need to feed to my account.
0 votes 0 Answers Share Flag
Tue Oct 20, 2015
Usda Mortgage Source answered:
We have a handy USDA mortgage payment calculator on our site that factors in taxes, home insurance and USDA mortgage insurance. Just look on the lower right side - http://www.usdamortgagesource.com/blog/


USDA Mortgage Source
Florida USDA Loans, 7 days a week.
Ph: 904-302-6060
www.UsdaMortgageSource.com
... more
0 votes 1 answer Share Flag
Thu Aug 27, 2015
Diana Hellman answered:
Correct. Only real estate professionals can list on Trulia. Try Zillow instead.
0 votes 4 answers Share Flag
Fri May 29, 2015
Valerielight56 answered:
Credit is bad, we had to let our home go years ago. My husband was ill for a long time. That's why our score is bad. I had to use up my savings my 401k to cover expenses. We also filed chapter 13 because we wanted to fix our credit, but we were treated like we were bad people. We had made rent payments for the last 6 years of 675.00 and never late. We had to move twice since we gave the home back to the lender, which in my opinion were frauds. I made double payments of 475.00 a month for over two years, then my husband was ill again. He had progressive COPD and also Cancer. My current landlord is Camcorder One LLC
7178083752.


My number 717-813-0565
... more
0 votes 4 answers Share Flag
Fri May 29, 2015
Valerielight56 answered:
My husband just passed away March 23 2005. So I am on my own. I was told I may be eligible for FHA loan or some kind of government help or Grant.
0 votes 1 answer Share Flag
Thu Oct 16, 2014
Bob Wert answered:
Hello Jessica,

As Don mentioned, your building codes should dictate requirements. But typically, if the space is "heated and cooled," with a door and window, the space could be considered a bedroom.

Off course, you would probably want that space to be insulated as well since many older attics may not have been insulated under the roof.
... more
0 votes 2 answers Share Flag
Fri Sep 5, 2014
Danielle O'Donnell answered:
Jim - the lot rent is $251 a month and includes trash and snow removal. The property is under contract, if you would like more information on any other home you can email me directly at ddoane@cbsp.com. ... more
0 votes 1 answer Share Flag
Mon Feb 10, 2014
Donna Meade answered:
if you are a first time home buyer, first front door program can offer yo up to 6,500 in bond money... that is free money. finding the correct mortgage to suit your needs is the first step to home ownership. the front door program will be available march 1, 2014. if you have less than perfect credit, there are ways to improve your score. I bring 21 years of Real Estate experience to provide you with all the help you need to to fulfill your dream of owing your home.. I can be reached at Coldwell Banker Select Prof at 272 8781 or my cell number is 813 6470. ... more
0 votes 3 answers Share Flag
Sun Nov 24, 2013
Nicholas Stefonich answered:
Hi falbert1122,

Are there any questions in particular that I could help you with regarding this property?

Call or text me at 717.679.5853 or email me at nicholasstefonich.com to discuss any questions that you have.

Nick Stefonich
Realtor
Iron Valley Real Estate
... more
0 votes 1 answer Share Flag
Wed Oct 23, 2013
Brian Nguyen answered:
What exact credit score do you have? Who knows, it still may be acceptable. For example, I have been able to give out loans with scores as low as 580. So if you are in that range or above, you may a shot at getting a loan. Otherwise, I suggest you work on your credit score a bit. The simplest way to fix your credit score is to pay off your debt and revolving credit balance on time. Either way, I recommend that you speak with a lender like myself to guide you in what to do next. I would be happy to speak with you to help you get the loan that you need so feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 3 answers Share Flag
Mon Aug 5, 2013
Alison Hillman answered:
My name is Ali and I am Trulia’s Community Manager. I was a bit confused by your question in Trulia Voices, can you please provide a bit more information and I would be happy to try and help you- or find someone else who can.

Thanks,
Ali
... more
0 votes 1 answer Share Flag
Thu Nov 29, 2012
Chuck Kidron answered:
I have worked in real estate for 17 plus years helping people sell and purchase properties ranging from land, homes, and new construction. I have been successful because I work aggressively to help people reach their goals. I am sure I can help you if you allow me the opportunity. Feel free to contact me at the office, 717-270-8808, by cell, 610-207-4290, or email at chuck.kidron@gmail.com. I'll look forward to speaking with you in the near future. ... more
0 votes 2 answers Share Flag
Tue Oct 30, 2012
Curvin Huber Team answered:
There is a company i know of that has done this for people in the past. They are very reputable and have done an outstanding job! if you want the info call me @717-201-0369 or email cmartinteam@gmail.com ... more
0 votes 4 answers Share Flag
Sat Jul 28, 2012
Alan Openshaw answered:
hello K9,

For the purposes of mortgage lending it is condiered the same as a foreclosure. Two years minimum. I have seen portfolio lenders do it less than 6 months after but only because this client was very wealthy.

Regards,
Alan Openshaw
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
VOTED BEST IN BUCKS 2010 & 2012
NMLS ID 143960
... more
0 votes 1 answer Share Flag
Fri Jun 22, 2012
Jessica Hood & Laura Roskelly answered:
No, in lieu basically means instead of foreclosure. So there never is a foreclosure process. You willingly sign your home over to the bank.
0 votes 2 answers Share Flag
Thu Jun 14, 2012
Nicholas Stefonich answered:
It sounds as if your husband wasn't included in the bankruptcy. If this is the case, if your husband qualifies for a mortgage, you don't need to be on it, yet your name can still be placed on the deed to the property. If that isn't the case, I would wait 2-3 years before applying for a mortgage. The easiest way to find out is try to get pre-approved for a mortgage (it's free) and you'll have a definite answer. At that point, the lender would be able to tell you what else could be done to improve your credit. Feel free to go to my website at http://www.stefonich.com or email me at nstefonich@prudentialhomesale.com if you have any further questions.
-Nick Stefonich
... more
0 votes 2 answers Share Flag
Sun Apr 29, 2012
Trevor Curran answered:
We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.


It is unlikely you could be approved for mortgage financing with that credit score at this time.

Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://consumer-action.org/

Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm


The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.


Trevor Curran
NMLS #40140
... more
0 votes 6 answers Share Flag
Sun Nov 20, 2011
Carl Ben Witzig answered:
Why do you ask? The answer will depend on how many agents withdrew and relisted, tampered with the listing to make it seem less time, or how much of the listed time on the MLS was actual market time and put not on hold to get ready to show it, and other factors. Most agents would answer using the MLS data and that can be inaccurate. Most importantly, what judgements would you make based on that number of days? Making up that DOM number would be houses ready to sell, priced correctly, that is, priced ahead of the declining market; some will be priced too high because the sellers are hopeful somehow that a buyer will come along who must have their house; some will be poorly marketed with no attention to serving the listing, such as part time agents who recommend No Open Houses because they "don't believe in them" some will be unsaleable at any price, some will be short-sales making them anomolous in the market, abnormal and untypical. Of all the things you might use to make a judgement in today's market, be careful what you make of DOM in a zip code. ... more
0 votes 5 answers Share Flag
Tue Oct 18, 2011
George Raymondo answered:
You have two options. First wait out the 36 months recovery period and go FHA (provided you were delinquent on your mortgage at the time of close) and both you and husband can buy together. Or he can buy now if he can qualify on his own. I always recommend that married couples never buy together unless they have to. As you know, if you buy together and have some sort marriage or financial issues later down road, you both could go down. We live in a complicated world, my advise is to keep things simple. Good luck! ... more
0 votes 3 answers Share Flag
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