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53223 : Real Estate Advice

  • All6
  • Local Info0
  • Home Buying5
  • Home Selling1
  • Market Conditions0

Activity 6
Thu Jun 16, 2016
June Buerkle answered:
No.

That doesn't come up until the title search is done after the offer. The buyer pays for the title search.
0 votes 1 answer Share Flag
Wed Jan 29, 2014
Becky Johnson answered:
Not a 95% LTV with a 660 score, a 10% down payment is the best you can get with a jumbo from what I know. I know The Lenders Network has a lender that can do Jumbo loans with a 660 credit score but you need 20% down, 10% if you have a score over 700. You should try and get your scores up to the 700 range, The Lenders Network has a really good DIY credit repair kit they give out for free you should check out. Hope this helps! ... more
0 votes 4 answers Share Flag
Mon Aug 20, 2012
Frank M. McDermott answered:
Hi Kerise,

If you are still in the market looking for a loan officer that will help you & assist through the homebuying process please give me a call.

Thank you,

Frank

Frank M McDermott, NMLS #283122 | Loan Officer | Educated Mortgage Services, NMLS #222652
 office 608.834.5000  toll free 877.834.5111  mobile 608.513.5626  fax 608.834.5002  frank@edumtg.com
 100 Wilburn Rd, Ste 102, Sun Prairie, WI 53590 | www.educatedmortgage.com

*Competitive Rates and Excellent Service along with availability of the following programs:
FHA, VA & USDA (Zero Down), HARP & Home Path along with 10,15,20,25 and 30 yr Conventional Loan Programs. Reverse Mortgages (62 and older).
... more
0 votes 5 answers Share Flag
Thu Dec 8, 2011
Shawn Kriewaldt answered:
Snagy,

Hope this helps and doesn't come accross as biased...

You have multiple options when selling... three of those are:
1) List it yourself For Sale By Owner = NO MLS#
a) Hire an FSBO company to put a sign in and put on their website
b) buy your own sign from the hardware store, run ads in the paper, etc.

2) List with a "Limited Service" Broker (sometimes known as FLAT FEE) = MLS#
They do what their name implies... Limited service to you (their limited client), you still need to sign a listing contract with that broker, agree to pay a commission to that broker if they or any REALTOR brings you a buyer (that successfully closes). You still may be able to source your own buyer in this scenario as well. You will also somehow compensate the listing broker for listing your home... sometimes it is a flat-fee, sometimes a commission amount. They will explain what services that they are not providing to you that you would be owed (and pay for) in a traditional listing.

3) List with a FULL-SERVICE brokerage = MLS# and who is legally bound to negotiate for you, put your interests first, help you price and market to get your home sold in your timeframe and for a fair price. You will have a higher commission in this scenario...
Depending on your ability and/or desire to market, negotiate, deal with order title, negotiate inspection issues, hold open houses, be there to answer calls for showings, show the house... You may see the value of hiring the right agent with the right plan, heck... you may even be able to negotiate a better selling price/terms... who knows?

--------------------------

People do go the limited service route and do it successfully!

If you ultimately choose to go limited service to get the exposure of the Multiple Listing Service and an MLS#, choose the Limited Service broker carefully as you would a full service one...
A few items that I would do:
Look at their current listings.
Talk to someone who has sold through them.
Check the Department of Reg and Licensing website.
Ask if they can put together a market analysis (CMA) for you and help you set the price.

Good luck!

Shawn
... more
1 vote 6 answers Share Flag
Thu Jun 24, 2010
Anna M Brocco answered:
Keep in mind that opinions are often subjective--if you are not familiar with the area, consider driving through the neighborhood more than once and at different times of day, see if you get a sense of belonging. Look at everything that is important to you and chat with locals if the opportunity arises--then make your determination, will your comfort level be reached. ... more
0 votes 2 answers Share Flag
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