Odd generally the selling bank does not get involved with the financing so I question your comprehension of the facts.
A seller can always refuse to fix anything your lender is making repairs a condition of the loan they cannot force a seller to fix anything. Nor will they if they are the bank it is not the business they are in. They might accept less money though... more
Hi Gene, first off allow me to explain to you what "tradeline bankruptcy" that appears on your credit report means. Credit report agencies (Experian, Transunion, and Equifax) report information on each of your accounts separately for each creditor that holds or has held that account. Each of these separate reports of the account is referred to as a "tradeline."
Secondly, depending on the bankruptcy type you will continue to have this in your credit history, tipically a Chapter 13 bankruptcy should drop off your report after 7 years, where as to a Chapter 7 typically shows for up to 10 years from the date your case was filed.
You might be able to apply for a home loan, depending on the waiting period requested by the lender and the type of loan you filed the bankruptcy for will be your standard waiting period.
FHA loans- 2 years
VA loans- 2 years
Conventional loans- 4 years
USDA loans- 3 years
Hope it helps, good luck to you.
My office is located in Long Beach, and you are welcome to comtact me with any further questions you may have.
Sonnocco Real Estate Group... more
Most lenders and mortgage professionals will help you remedy your credit situation as they get paid when they get you into a home. They will be able to walk you through the steps necessary to get your credit up.
Check out Inzopa as they have vetted several mortgage professionals all over California to help folks like you get into their dream home!
Their network has 181 mortgage brokers in San Bernardino County, CA who have completed 1846 mortgages.
This website is driving everyone nuts. They put these illegal cheap prices to direct you to credit repair, nothing more and nothing less. When you ask them about the advertise homes they immediately till you it is sold. They are conning people with bad credit.... more
Trulia is an advertising site. If you have a complaint, contact the Department of Financial Services in New York. Lots of complaints are due to misunderstandings and miscommunications. Try to discuss it with the loan officers boss before you make claims that might damage them.
Don't Let Them Make a Monkey Out of You! Follow the links below.
Contact several insurance providers, tell them the square footage and construction material of your home along with any special features of value, and they should be able to give you an estimate.
Tell them you want replacement cost coverage.
If you feel their estimate and coverage are too low, you can always increase them.
You can certainly buy "more" insurance.
* Pay attention also to liability and medical coverage. I think your chances of being sued are greater than your home being completely destroyed. Hope not, either way.
Can someone explain the way the electrical billing is done? I have been living there since 2011 my utilities used to run about $15.00 to $25.00 a month. I'm in a single unit about 700 square feet. My bill has gone up this month to $102.50 which isn't possible since it is done by RUBS. I also found out meters aren't registered. I'm a single person in a single unit. Can someone explain how cooper arms is billing their tenants, because it a sub metered billing?... more
UPDATE: In order not to trigger the "DUE ON SALE CLAUSE" our lender has given us permission to put the spouse (with lower credit score) on Title but not on the Loan at closing. Check with your lender as every institution has its rules and regs,... more
As my colleague mentioned below, contacting Trulia's customer service line seems to be the best idea. Keep in mind there are so many real estate websites that probably have pictures of the property online.
Yahoo, Google, Realtor.com, Homes.com, Zillow.com, and literally dozens more. Contacting them one by one will be some task.
All the best,
Coldwell Banker Star Realty
BRE Lic#01456982... more