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32570 : Real Estate Advice

  • All13
  • Local Info2
  • Home Buying5
  • Home Selling1
  • Market Conditions0

Activity 10
Wed Apr 13, 2016
MCM_STL answered:
You're going to have a hard time getting a loan. You can change jobs without issue issue provided your compensation structure doesn't change. However, when it does (and yours absolutely did), your lender will typically want to see a full year of pay if you work for someone else and two full tax years if you're self-employed.

This is a standard nearly all self-employed people are held to. Even when you've been at it for a decade, a lender still takes the average of your last two tax years' worth of earnings and bases your loan on that income level. If you have less than two years' worth of data, you don't have anything your lender can average.

If you have a spouse who earns enough money to get a loan on their income alone, it's not such a big deal.
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Tue Mar 8, 2016
Diane Christner answered:
In a VA loan the seller is actually obligated to pay very little. Here's a link to the VA site, showing the costs involved. Your lender should be able to help you as well. And where is your real estate agent in all of this? Is he/she well versed in VA loans? I would not recommend going it alone if you are unfamiliar with how the process works and are attempting to buy a FSBO, which it appears you may be doing.

http://www.benefits.va.gov/HOMELOANS/purchaseco_loan_fee.asp
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Wed Feb 17, 2016
MCM_STL answered:
Your home is for sale on Trulia today. It just takes time for 3rd party real estate websites to pull MLS data. It's also about how often the individual websites look for updates. With this one and Zillow, it often takes a day for a new listing to show up. ... more
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Tue Jun 17, 2014
Karen and Paul Catania answered:
The buyer is the one who is responsible to do the home inspection. It is the buyers insurance policy for the house they are buying. You can ask the seller to pay for the inspection but it depends on the type of market we are in. If you ask the seller to pay for the inspection it is normally a sign that the buyer is not that serious about wanting the house because they don't want to take any responsibility in the sale. ... more
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Thu May 8, 2014
J.D. "Dan" & Carol Weisenburger answered:
Is it to be auctioned at a sheriff sale such as in foreclosure? Or is it to be auctioned by a real estate auctioneer (they must be licensed as real estate brokers in Florida)
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Mon Apr 28, 2014
Terri Blair asked:
Would like for it to have a pool and be in a nice neighborhood with kids. Nice neighborhood and nice apartment is a MUST and HAS to be in Rhodes Elem. school district. My credit isn't the…
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Sat Feb 2, 2013
Barbara Murphy answered:
Hi Ben,

I'd recommend you check with a knowledgeable lender from our local area in Milton, Pace, Pensacola, or Gulf Breeze, FL.

Kasie Copeland at University Lending is one such lender I would recommend. She is extremely knowledgeable about the many loan products available and would be a great choice to discuss your situation with. Here a link to her company and profile information: http://www.university-lending.com/KCopeland.html

Please let her know I referred you and good luck to you in your refi endeavors!

If I can help you in the location of additional investment or vacation property in the area, please contact me! I also lease and manage property, should you need a property manager or assistance in finding future tenants.

Thanks,
Barbara Murphy, Broker
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Sun Mar 20, 2011
Alma Kee answered:
Hi Gata,

You can go to the Santa Rosa County Property Appraiser's website to search the address to find the owner.

If it is listed for sale, you can contact the realtor listed on the sign.

Also you can try contacting the neighbors. Or possibly the police may secure the house if it is an attractive nuisance that could bring a squater to the house!

All my best,
ALma
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