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Middleville : Real Estate Advice

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Activity 13
Tue Apr 11, 2017
Bud Brasic asked:
Thu Aug 4, 2016
Mark Monger asked:
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This question was asked from this property: http://www.trulia.com/foreclosure/3207540982-7645-W-Parmalee-Rd-Middleville-MI-49333
0 votes 0 Answers Share Flag
Thu Jul 28, 2016
Maricris A answered:
Hello,

To post your home for sale by owner on Trulia, click the link below and select “Submit listings for sale.”

http://www.trulia.com/submit_listings/

You will be redirected to our partner site, Zillow. Once you’re on Zillow’s posting page, please make sure to select “For Sale by Owner” under the address field. Once you activate your listing on Zillow, it will appear on Trulia within 24 hours.

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/


Regards,

Maricris
Consumer Care Advocate
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0 votes 1 answer Share Flag
Thu Apr 24, 2014
Simon Campbell answered:
No, you will have to pay for the inspection. The hard part is if you make the appraisal come in before you inspect, you will have to pay for the appraisal if you back out of the purchase agreement. If you get your inspection completed before the appraisal, you will have to pay for that too.

Here is what you could do. Option #1: Have the seller lower the price and then create a personal loan payable to the seller for the additional $12,600. Option #2: Talk to the bank and see if there is any room in the value range for an adjustment from the appraiser or see if he would order a second appraisal. Option #3: Get a personal loan for the difference or withdraw it from the equity in another property. Option #4: Increase your down payment by $12,600 to cover the difference.

Or, you could cut your losses and walk away.
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0 votes 3 answers Share Flag
Sat Nov 23, 2013
Beth answered:
the house may have been located on north solomon. i may have been wrong on the acres but i remember the terms stating owner financing available. if anyone can let me know if the house sold i would appreciate it! it was at the top of my list of houses to follow. ... more
0 votes 1 answer Share Flag
Fri Sep 27, 2013
Michelle Gaudreau answered:
I think you are asking about 604 W Main in Middleville. It is pending (they have an accepted offer). I am a local agent & I live in Middleville. If you are looking for a home in the area, please give me a call at 616-450-0131. I'd be happy to help! ... more
0 votes 1 answer Share Flag
Wed Sep 11, 2013
Brian Nguyen answered:
A credit score of 520 is a bit low. I would recommend working on it to get up just 60 points and I would be able to help you out. I have been able to give out loans with credit scores as low as 580. So if you can get your credit score up to 580, I will try my best to get you the loan that you need. The most effective way to fixing your credit score is to pay your revolving credit card balance and debt. If there is a collection on your credit there isn't much that can be done in the short run. It is best to pay back any collections as soon as possible. So as time goes on the collection will become more insignificant to your credit score and will help it return to a better score. Even though you are below 580 I would still be glad to take a call or email from you so I can point you in the right direction. Well I hope this helps! If you have any further questions or if you need a loan, feel free to contact me. Also, if you found this helpful please leave me a recommendation if you can! Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 5 answers Share Flag
Sun Jan 27, 2013
Kathy Persha answered:
Bank owned means that the house went into foreclosure at the sheriff's sale and the redemption period is over, so now the house is owned by the bank. The bank has taken back possession of the house from the homeowner who went into foreclosure and is now trying to sell the house.

Kathy Persha, Realtor
CDPE, SFR, CIAS
Nextage Advanced Realty
248-930-0198
... more
0 votes 3 answers Share Flag
Mon Apr 16, 2012
Gary Geer answered:
You must be looking at homes on another site. This happens all the time. An agent can help you find out more information. Most of the times the homes you are looking at have not been listed by the bank for sale as of yet. Contact a local agent and have them assist you with your search. That agent can give you a list of foreclosed homes that are on the market.

All the best,

Gary Geer

www.ggeer.illinoisproperty.com
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0 votes 4 answers Share Flag
Thu Dec 8, 2011
answered:
Since the regulations of HVCC went into effect (which does not allow me...or any mortgage professional...to choose or communicate directly with the appraisal), I rely on the real estate agents involved in the transaction to work with the appraiser to provide additional comps or alternative rationale to present to the underwriter to obtain approval. Of course, I can strategize with the agents for success (providing insight on what data/facts may help our case with the underwriter); however, the driving force is the agents knowledge of the local market.

I do not know of a mortgage professional or an appraiser who is enamoured with the rulings of HVCC; however, the regulations are what they are and all I or your agent can do is to work within the guidelines.

I would disagree that the appraiser can ALWAYS find comps that will resolve an underwriter's concerns about a property's value of condition. Sometimes value is the EASIEST thing to resolve on an appraisal; other issues on the appraisal can destroy a purchase with no recourse. For example:

"Declining Value"....some investors will not finance a property is the appraiser notes the values are declining and/or they may reduce the maximum loan to value they will allow on that transaction...requiring more down payment.

"Rural"....some investors will not allow financing of their product on rural properties. Add agricultural or farm to the verbiage and the deal is likely dead.

"Functional Obselesence"....Getting financing for a Geodesic Dome or a Log Cabin can prove very tricky unless there are local comps. For example, a log cabin in Montana (built to code, of course) would be relatively easy in Montana because there are a lot of beautiful log homes in the State. Financing a log cabin in Los Angeles would probably be an exercise in futility. The owner and the potential buyer may equally love the home; however, the investor is not going to take the risk on the property in case of future default.

The facts are that, despite the media's focus on the restrictions associated with financing guidelines for consumers trying to qualify for a home purchase, it is probably more difficult to get the house "approved" than the consumer.

Best to you!
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0 votes 6 answers Share Flag
Wed Jul 6, 2011
Emily Erekuff answered:
Hi Lori,

The link below will take you to the My Listings section of your account, and from there you should find the option to edit your listing photos. It's possible that an incorrect photo may have been given to us in a data feed, however you can remove it with just a click of your mouse and add the correct photos.

Please let us know if you experience any difficulties with this process or if you have any other questions.

Best Wishes,

Emily Erekuff
Community Moderator
... more
0 votes 2 answers Share Flag
Wed Apr 23, 2008
smith3gary answered:
John, If you actually read the link I posted, you will know that private sellers and real estate professionals can both place your home on Trulia. If you need help let me know. I will walk you through the steps. No obligation, I do not directly service your area. ... more
0 votes 7 answers Share Flag
Fri Aug 17, 2007
Pam Winterbauer answered:
I would contact a Realtor who specializes in land in your area.
0 votes 3 answers Share Flag
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