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Lithonia : Real Estate Advice

  • All239
  • Local Info32
  • Home Buying55
  • Home Selling5
  • Market Conditions7

Activity 205
Fri Sep 8, 2017
Mtaylor62232 answered:
My credit score is 540 I am trying to purchase a home is there help
0 votes 16 answers Share Flag
Wed Aug 16, 2017
answered:
Hi Bryon,

FHA only requires a 2 year wait from the discharge of a chapter 7 BK to be eligible so yes, you may be able to obtain mortgage with a really great rate once your BK hits that 2 year mark.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
jburke@gpbankTX.net
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115
(877)228-9069
http://www.trulia.com/mortgage-lender-profile/MTG%20Banker/#reviews
... more
0 votes 1 answer Share Flag
Tue Aug 8, 2017
Mary answered:
Hi,

Please follow the instructions below on how to find a Section 8 rental listings.

1. Click the Rent tab on our homepage
2. Enter your desired area in the search bar and hit Enter
3. Click More, enter the keyword 'Section 8', and click Search.

Thank you for using Trulia!

Mary
Consumer Care Advocate
http://www.trulia.com/help/ask/
... more
1 vote 1 answer Share Flag
Sun Jul 23, 2017
Nichole Villafane answered:
Hi Renecia,

Did you find a Realtor to assist you with your relocation?

If not please contact me, nvillafane@kw.com/404-418-9166
0 votes 1 answer Share Flag
Fri Jul 14, 2017
Rylander Thornton asked:
Sun Jun 25, 2017
Solomon Greene answered:
Kayjay,

Georgia Dream offers to combine a soft-second mortgage of up to $7,500 to Georgia First Time Home Buyers when they obtain the first mortgage through GA Dream. The first mortgage under this scenario involving down payment assistance is an FHA Mortgage. So no, there is no requirement that the borrower put down 20% in order to obtain $5,000.

Here are a few other things to consider. You may be buying in Dekalb County. There are other easier programs available in Dekalb through participating lenders. But if you still want to stay with Georgia Dream Down Payment Assistance, you should know that employees in some disciplines can get up to $7,500, even $15,000 for a limited time,

There are other things to be considered and I'd welcome the opportunity to speak. Please call when time permits.

Good luck.
... more
0 votes 1 answer Share Flag
Thu May 25, 2017
Habambbixby answered:
Look up Certificate of Acknowledgement and file with Clerk of Court. This will give you good title and completely wipe out all liens on the property, as well as make you the "OWNER" of the property. ... more
0 votes 3 answers Share Flag
Thu Apr 6, 2017
Tristanbutts72 asked:
Mon Apr 3, 2017
Rickie asked:
I'm in a really tough spot. I have 5 days to find a home for me and my daughter. I'm a single mom and I only started getting support this year. I had to leave my old place after…
0 votes 0 Answers Share Flag
Thu Mar 9, 2017
Tieshia McDuffie answered:
no they do not i just called and asked but invitation homes and altisource rentals both do accept section 8
0 votes 1 answer Share Flag
Fri Dec 2, 2016
Kathy Burgreen answered:
Lenders qualify buyers based on the risk to lenders. Briefly, the higher the risk to lenders, the more difficult it is to qualify for a mortgage loan. The less risk to lenders, the easier it is to qualify for a loan. Lenders use the following criteria to figure out whether a buyer qualifies or not:

1. Employment and Income - if you don't work, disability and other types of income do qualify.
2. Savings and Assets - available cash, investments, 401K, savings
3. Credit and Credit History - How much debt do you have? What types of outstanding debt? Do you pay your bills on time every month. What is your FICO credit score?
4. Debt to Income Ratio - Is your debt less than 36% of your income?
5. Tax Returns - the last 2 years.

Lenders can qualify buyers with higher risk BUT they will charge buyers higher interest rates, additional fees and terms that favor the lender. Buyers with low risk get the low interest rates, low fees and have better terms that favor the buyer.

A low risk buyer will have a FICO credit score in the 700's, 3 months of cash in savings, have a debt to income ratio of less than 20%, have a down payment of 20% and have an income that is high. If you don't fit this profile, you are considered a higher risk buyer.

Go to myFICO.com and pull your credit history and credit score. You will know instantly if you qualify.
... more
0 votes 1 answer Share Flag
Fri Dec 2, 2016
Kathy Burgreen answered:
Nobody from Trulia will send you pictures. Trulia is a self service website. You need to contact a realtor to get listings sent to your email. On Trulia, you can set up a saved search and then have listings sent to your email. ... more
0 votes 1 answer Share Flag
Wed Oct 5, 2016
Sally Grenier answered:
Unfortunately, you're at the mercy of your loan officer. This is why I always recommend to my clients they use a good LOCAL lender who I have a good track record with. Underwriting shouldn't take more than a few days. What company are you using? Where is your Realtor in all of this? Your agent should have been working closely with the lender to make sure things were getting done and you're not missing any deadlines. Any delay in closing you risk losing earnest money if both parties don't agree to extend deadlines out. Go back to your Realtor and Lender and demand answers asap! ... more
0 votes 1 answer Share Flag
Mon Aug 15, 2016
Angelica P answered:
Hello,

We are a real estate search engine so we don't represent the homes found on our site. Please follow these steps to begin your home search:

1. Click the 'Rent' tab at the top of our homepage.
2. Enter your desired city and state in the search bar and hit Enter.
3. Click 'Max Price' to select what your highest price would be to pay for a home. Click 'Min Price' to set the lowest price you would pay.
4. Select your preferred property type, square footage, allowed pets, etc.
5. Click the orange 'Done' button.

This will begin to pull up listings that are more tailored to what you are looking for.

If you are interested in a listing, click on the "Request Viewing" button. You can also take advantage of our vast network of agents here:

http://www.trulia.com/directory/

We hope your experience with Trulia is memorable and thank you for using Trulia for all your real estate needs.

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

http://www.trulia.com/help/ask/


Thank you for using Trulia!

Angelica
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Fri Jul 15, 2016
Pmonica82 answered:
Sat May 7, 2016
Amitabh asked:
Homes for buying in Lithonia, GA between $30,000 and $50,000, 2 bedrooms and 2 bathrooms
0 votes 0 Answers Share Flag
Thu Mar 31, 2016
Cindiscleaningservices answered:
I AM INTERESTED IN GOING TO BROKERS AND DIRECTLY GETTING CONTRACTS TO CUT OUT THE MIDDLE MAN SO THE BROKERS CAN GET THIER MONEYS WORTH, How does this get done,
0 votes 8 answers Share Flag
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