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Lemoyne : Real Estate Advice

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Activity 7
Thu May 5, 2016
Alex asked:
I am about to apply for a mortgage in PA. I have an installment loan with 203 payment, that will have 5 payments left when I apply. Will this be included in my DTI? I have read that installment…
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Tue Jan 29, 2013
Kevin Bupp answered:
There are additional factors involved, such as other outstanding debt. You should consider contacting a loan officer and they will determine your maximum loan amount. There is no cost to you for this service and no obligation to acquire the loan from them. If you need contact information call me at 717.756.0200 and I will be happy to provide you with their contact information. ... more
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Wed Aug 1, 2012
Brooke 'The Kiwi' Realtor answered:
16.1 is total tax millage rate. Just multiply by home price to get total taxes. TopHarrisburgHomes ...
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Tue Oct 19, 2010
answered:
Hi Shannon,

Great question, and you see a bit of conflicting advice. I think it is best for you to seek a great mortgage person to first go over your qualifications and get you pre qualified or pre approved. Then you can confidently seek out a real estate agent if you choose to work with an agent, knowing in advance your price range and your monthly payments associated with the purchase price you choose. A good mortgage person will discuss your credit, down payment options, and all the loan programs currently available to you and your family. Many mortgage lenders have great programs available, and some, like Home Savings of America, can offer you programs across a wide spectrum of lenders throughout the United States.
Congratulations and best wishes on your home purchase. Feel free to call me should you wish to discuss your situation or explore more about your mortgage options!
Jim Ryan, Home Savings of America. 703 591 5626 ext 419.
... more
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Thu Aug 26, 2010
Brooke 'The Kiwi' Realtor answered:
When the attorney for the lender goes to Sheriff sale the property they buy it back for the taxes. If the seller/owner of the property pays the taxes it stays out of the sale. If it doesn't sell as an absolute sale at auction then it goes back to the county/city and they have to decide what to do with it... Hope that helps - but not sure if you are talking about an absolute sale or a tax sale... Brooke. ... more
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Wed Apr 7, 2010
Joan Braunschweiger answered:
Sat Apr 11, 2009
Dp2 answered:
You need to be careful about making offers on those properties, because the bankruptcy judge HAS to also approve the sale, and has the power to rollback any transactions within +/-6 months of the date when the gavel falls on a case.

As long as you make sure to take the extra precaution, then the process of making offers on those properties is basically the same as making offers on any other properties.

Also, it's not enough to work with an agent who specializes in (pre-)foreclosures, short-sales, and REOs. You also need to make sure s/he has experience with making offers on properties in bankruptcy. Afterall, you wouldn't want to learn 6 months or so after the fact that the bankruptcy judge disapproved of and cancelled your purchase, and has signed an order to evict you immediately. (Although that's kind of extreme and it doesn't always happen, it's certainly possible and has happened from time to time.)
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