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North Carolina : Real Estate Advice

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  • Local Info33
  • Home Buying253
  • Home Selling49
  • Market Conditions10

Activity 11,126
A few minutes ago
Katrinajackson1961 answered:
I receive Social Security Disability how can I find a house or apartment while on disability and does not get but $735 per month I need help in signing a house or apartment what shall I do I do not want to be homeless ... more
0 votes 155 answers Share Flag
A few hours ago
Kimberly Reetz asked:
I am moving from the west coast to Charlotte and won't be able to view homes before the move. Any advice?
0 votes 0 Answers Share Flag
A few hours ago
Kathy Burgreen answered:
Credit scores means more to landlords than rental history. If your credit scores are below 650, you will have problems. Have you worked with a realtor in the area? Get them to help you. ... more
0 votes 1 answer Share Flag
Yesterday at 1:49pm
Netgsmith asked:
Yesterday at 1:27pm
Kathy Burgreen answered:
I know this is a year old question but I thought it would be worth an answer. The issue is not your employer. Your lender / underwriting department will verify employment and truthfully, your employer doesn't care where you buy a home as long as you come to work on time every day and you are 100% productive.

Unfortunately, lenders DO care about the distance between your home and your job. The reason has to do with the type of loan - residential vs. investment loan. Each loan has their own requirements for interest rates, fees, down payment and terms. As a guideline, a residential loan is designed for owners who will live within a 1 - 2 hour commute from their job UNLESS they are self employed, telecommute or an independent contractor. Residential loans offer low interest rates, low fees and low down payments.

An investment loan is designed for non occupant owners, employees who live 2+ hours from their job, etc. Investment loans have higher down payments, higher interest rates and higher fees.

What concerns lenders are those buyers who want to take advantage of the residential loans with low rates, fees and low down payments BUT does NOT qualify and intentionally lies about their status.

In your situation, you are committing mortgage fraud because you want to take advantage of the USDA loan which has $0 down payment but you do not qualify because you will live too far from your job. Your lender will find out about this and you will get caught. Your employer has nothing to do with this and I guarantee your employer will not lie for you so you can buy this home.
... more
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Sat Sep 23, 2017
Harry Ullom answered:
We have lived in the Southport area. Southport is a small town; New Bern is a medium sized city. Wilmington is too crowded. We moved (one year ago) to New Bern. We like it.
0 votes 1 answer Share Flag
Sat Sep 23, 2017
Marcia Low asked:
Sat Sep 23, 2017
B asked:
Fri Sep 22, 2017
Bigekeitt32 answered:
I am buying a home I have insurance on my home why they don't want to fix my roof
0 votes 43 answers Share Flag
Thu Sep 21, 2017
Lizardpope asked:
0 votes 0 Answers Share Flag
Thu Sep 21, 2017
Faith T answered:
Hi,

We currently do not have listings for rent to own homes. You may try your luck though and search our website using the Keyword section of the search filter which can be found in the All Filters button. However, these listings are extremely rare.


Thank you for using Trulia!

Faith
Consumer Care Advocate
http://www.trulia.com/help/ask/
... more
0 votes 1 answer Share Flag
Thu Sep 21, 2017
Angelica P answered:
Hi,

Please know the 'Claim Home' feature is currently removed from all property pages. While we do not have a time frame for when this will be restored, I can assure you this is only temporary. Home facts on Trulia is coming from your county records. This data is gathered by a third-party data collector and only updates on Trulia when discrepancies are identified at the next data collection cycle. Unfortunately, we are unable to expedite this process. Our best recommendation is to check with the county to ensure the information is correct at the source.


Thank you for using Trulia,
Angelica
Consumer Care
... more
0 votes 1 answer Share Flag
Wed Sep 20, 2017
Diaznette77 answered:
I am looking for a house that accept section8 voucher up to $1,025. I am looking for a 3 bd and that accept a small pedkingese puppy.
0 votes 41 answers Share Flag
Wed Sep 20, 2017
Genesis Tuell answered:
How can i get a loan for 25,000 dollars for a house with 1000.00 down and a 1000.00 a month tell it paid off my credit score is a 560 and i really need help i really want to purchase a house ... more
0 votes 5 answers Share Flag
Wed Sep 20, 2017
Zarina Newman asked:
location, size, construction quality and age. appraiser Dont distinguish between 10 yo or new appliance. Carpet v hardwood v tile v laminate. Etc T/F
0 votes 0 Answers Share Flag
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