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Home Buying in Longview : Real Estate Advice

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Activity 42
Tue Feb 7, 2017
Mctyashl7468 asked:
We moved into a home in August 2016 with the intention of buying the home, owner financed, and putting ten thousand down with our taxes. Well after we moved in we found out that the owner…
0 votes 0 Answers Share Flag
Sat Apr 2, 2016
Samira2424 answered:
I have a great recommendation if your concerned about your credit report and score. Call 1-800-368-4193 make sure you ask for Alicia. Worked with her last year to help remove inaccurate items on my credit report. When I was first referred to her my score was 480, 432 & 466 after 1 month it went up 39 points and in about 5 months 109 points. She is very knowledgeable on ways to legally make both the credit bureaus and creditors do the right thing, and in doing so the items fell off my credit report its been 9 months now I'm at 755 750 and 720 with Experian, but I'm still a satisfied client all I did was follow her advice. Oh she also has portal access so I saw exactly what was being done with my credit and I was able to message her when I had questions from within the portal. ... more
0 votes 4 answers Share Flag
Sat Apr 2, 2016
Samira2424 answered:
I have a great recommendation if your concerned about your credit report and score. Call 1-800-368-4193 make sure you ask for Alicia. Worked with her last year to help remove inaccurate items on my credit report. When I was first referred to her my score was 480, 432 & 466 after 1 month it went up 39 points and in about 5 months 109 points. She is very knowledgeable on ways to legally make both the credit bureaus and creditors do the right thing, and in doing so the items fell off my credit report its been 9 months now I'm at 755 750 and 720 with Experian, but I'm still a satisfied client all I did was follow her advice. Oh she also has portal access so I saw exactly what was being done with my credit and I was able to message her when I had questions from within the portal. ... more
0 votes 9 answers Share Flag
Thu Feb 4, 2016
Susie Kay answered:
I agree with my colleagues below. Consult with a lender so you have some guidance on what to do to obtain a loan.
0 votes 3 answers Share Flag
Fri Aug 14, 2015
Joshua Marriott answered:
Your agent should inform you that everything is negotiable. You are not required to do anything.
0 votes 2 answers Share Flag
Wed Jun 10, 2015
Michele Chiles-Hickman answered:
The owners name is probably public record, so you can contact your county records office. You may need to go in person to search it if a phone call does not do it. Also, try the town records if they are closer to you. ... more
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Sat Jan 31, 2015
Nancy Chapmon answered:
Hi Joseph! I hope by now you have made the move, found your house and are happily living in Longview! However, for others who may be reading this with the same question, I want to weigh in on it. It's actually a VERY GOOD question - and many potential buyers get the 'cart before the horse' by looking at houses before securing a preapproval from a lender. Any good lender will be able to look at your basic application and advise you on the most advantageous financing route to take. They will also talk with you to determine what your financial goals are, as you may qualify for more home than you really want. Find a Realtor! Many buyers don't realize it costs you nothing to have the help of a professional Realtor, as we are paid by seller's commission, at least here in East Texas. Your Realtor and your lender will work together to help you with every phase and detail of finding the right house to owning it!

Best of luck to you and thanks for asking a good question!

Nancy Chapmon, Realtor
Fathom Realty
903.241.6109 ~ call or text
... more
0 votes 6 answers Share Flag
Mon Sep 1, 2014
Debra (Debbie) Rose answered:
Please find, and speak to, a local mortgage rep, and let him or her guide you as to what you need to do to qualify for a loan.
Right now, with your low current scores, you're not in good shape for that to happen - and IF someone out there makes you promises of a loan - I am sure the rate will reflect your low scores, and be very high.

You really need to work on improving your scores.

It's great that you have saved for your down payment, and have a home that is fully paid for........maybe you'll need to use some of that "savings" to pay down debit, or fix whatever it is that has caused your scores to be so low.

Come up with a plan after you sit down and speak with a lender.

Best wishes
... more
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Thu May 8, 2014
Michael Hopkins asked:
Fri Apr 4, 2014
Nancy Chapmon answered:
Hi there - I hope you'll give me a call @ 903.241.6109 - I can definitely help you, and you need that 1025. to build equity in a home! So yes you need to buy! There are steps you can take to raise that score enough to buy this summer, we just need to talk. And yes, there are zero down programs you can use. Call me!!!

Nancy Chapmon Peralta, REALTOR
Suzanne Cook & Co
903.241.6109 call or text
... more
0 votes 3 answers Share Flag
Fri Mar 7, 2014
jtinvestgroup answered:
I find homes for people who are looking for "rent to buy". If you are interested please give me a call at 281-286-9926 and make sure to leave a message so that I can reach you. I live in the Longview area, but have homes in other areas as well. The monthly rates are as low as $800-$2300 a month with an option to buy within 2 years. You need at least $2000 for this, plus your first month’s rent, but the exact amount depends on the home you choose. This down payment money will be applied to the purchase price of your home… you will not be throwing money away like you do on rent right now. Think of this program as a forced savings plan. It doesn't matter if you have bad credit, liens, debts, late payments, etc. Give me a call today!

James
jtinvestgroup@gmail.com
... more
0 votes 2 answers Share Flag
Tue Feb 25, 2014
Nancy Chapmon answered:
HI - I was just ran across your post; have you found the land you were looking for? I would be happy to help if not. I am a realtor in Longview

Nancy Chapmon Peralta, Realtor
Suzanne Cook & Co
903.241.6109
LongviewHomes4Sale@gmail.com
... more
0 votes 6 answers Share Flag
Tue Feb 11, 2014
Nancy Chapmon answered:
Hi Virginia! Yes there are some very nice new construction homes in North Longview that fit into that range. Depending on your wants & needs, there are several good neighborhoods to choose from. I happen to live in The Woods at Clayton Place, which is a gated 55 and over neighborhood; we have lots for sale and will build to suit (my own house is in the high 200's). Hollybrook Cove is another good option, very close to Longview Regional hospital, a beautiful walking trail and retail/restaurants. I could go on and on but would rather talk to you and email some sample listings to give you an idea of what's available in that range. Please consider giving me a call or email so we can discuss what you're looking for and when; I can also help you with financing if needed.

I'm looking forward to earning your business!

Nancy Peralta
Suzanne Cook & Co
903.241.6109 (call or text)
nancy@peraltahomesales.com
... more
0 votes 2 answers Share Flag
Fri Nov 8, 2013
Julie Groves answered:
There are a number of reasons that there may not be pictures. Sometimes they do not upload to sites outside the MLS.

I would love to be your Realtor, and I will be glad to send you more pictures if they are available on the properties you are looking at.

You can reach me 7 days a week at 903 452 8915. I look forward to hearing from you!
... more
0 votes 1 answer Share Flag
Sat Oct 12, 2013
Todd Evans answered:
Hi Jennifer! There are several lenders in town, please email me and I can send you a list. I also have some relationships with builders that in some cases do owner financing with a small down payment. Please email me at buyorsellwithTodd@yahoo.com and I will send you the information directly. i look forward to speaking with you soon. Thanks again! ... more
0 votes 8 answers Share Flag
Thu Oct 3, 2013
Don Groff answered:
You need to look at the entire picture. I just had a client buy a house and we actually did that. Their debt ratio was right over the allowable limit so I had them pay down the car loan and refinance to get the monthly payment where we needed it to be and we were able to get the loan done.

It may not be necessary though, it depends on your unique situation. Hope this helps.

_____________________________________________________
Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | listings@dongroff.com
websites: www.AustinListed.com | www.360LendingGroup.com
... more
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Sun Sep 1, 2013
kathywaller97 answered:
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Sat Aug 17, 2013
Nancy Chapmon answered:
Arturo, sometimes the tax authority does not realize there have been changes in a property. One example could be an enclosed porch that is now heated and cooled, which adds square footage to the home. If you have questions about specific properties, I'd be happy to look into them and try to find the answer! nancy@peraltahomesales.com ... more
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Sat Jul 27, 2013
Ron Thomas answered:
I don't think you totally understand the concept, or the process:
It is very, very, seldom that we have a "good" Comp, and then it isn't going to be 5 or 6.
Even in a "cookie cutter" development, there are differnces in the properties; size, 1 or 2 story, center or corner lot, etc.
And then it has to be within a mile and sold within the last six months.
A Realtor or Appraiser, uses what is given to them, and then makes adjustments to the values, to make the houses comparable.
If you don't know the details, the upgrades that have been done and the repirs made; you can't possibly work with COMPs.
You don't know what you're doing.
... more
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