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Home Buying in North Carolina : Real Estate Advice

  • All456
  • Local Info33
  • Home Buying251
  • Home Selling49
  • Market Conditions10

Activity 5,151
A few hours ago
Lorry Dow answered:

Until 11 years ago I was a high school guidance counselor. I had to retire on disability and in 3 months when I turn 65 I will loose my LTD and only have $1516/mo to live on. I've worked with CCC and been through the home buyers classes. CCC was confident that through grants and down payment assistance I would be able to buy something.

When I called the first lender I was told there was no way I could buy anything, My income was too low. I'm heartbroken and desperate. I have 3 mos before I'm homeless.

Do I have any options?
Thank you!
... more
0 votes 101 answers Share Flag
Earlier today
Jonathan Schmidt asked:
Hello name Jonathan Schmidt... Hard divorce.. In the process lost the house. that was 4 or 5 years ago.. I rent a apartment in fremont mi. Would like to find a house around Cherokee NC..
0 votes 0 Answers Share Flag
Sat Apr 22, 2017
Binal.patel719 answered:
I have 5 vigha land for agricultural at karachiya, Vadodara title clear internal r/touch rate 400 rs per sq ft.
0 votes 14 answers Share Flag
Fri Apr 21, 2017
Ednac21 answered:
The mortgage companies are becoming more and more demanding. I am a Human Resources manager of a large company and besides the amount of work that I have, every day I receive at least one or two verifications of employment daily. Employers are not required by law to answer them, but the mortgage companies treat us as if they were the ones paying our salaries. I understand that they need to verify the pay stubs and W2s in case the ones the applicant provided are false, but some companies ask for home address and phone number which is not considered employment information. When I get suspicious I call the employee and verify if they indeed authorized them to ask all those questions. Some mortgage companies even want me to type a letter on company letterhead stating that the employee works here along with W2s, paystubs, etc which already proves employment. What I always tell my employees, when mortgage companies start demanding too much, look for another company because there is something wrong with them. ... more
0 votes 7 answers Share Flag
Fri Apr 21, 2017
Scott Godzyk answered:
Never base your offer on a percentage. A good buyer agent is a great start as you need to assess what the house is worth and base your offer on that. You do not know if the home is over priced, under priced or priced right at market value. ... more
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Thu Apr 20, 2017
Jessmccoy526 asked:
My credit score is 677. I make about 60,000 a year and have been at the same job for 3 years. Financed a car in November of 2016 and got a secured credit card shortly before. All payments…
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Sat Apr 15, 2017
Kathy Burgreen answered:
If there is a lien on the title itself, is this from a family member (as in perhaps the family will was changed and this family member was left out of the will or in a divorce situation, one spouse is trying to sell without the other spouse;s signature?)

If the above is the case, unfortunately your best method is to wait this out. Normally what happens is the attorneys will push for the non cooperating family member to do the right thing and sign the papers to move things forward. Attorneys have the power to threaten legal action so when dealing with family members who don't cooperate, threatening legal action works beautifully. Nobody wants to be sued by lawyers. You will see the end results at closing by some pissed off faces from the sellers.

As for refunds - you would only be entitled to the earnest deposit. No refunds for due diligence (you paid $0) and no refunds for the appraiser or home inspection. These were ordered by your lender because you would not get a loan without it.
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Fri Apr 14, 2017
Bobmoti answered:
I need somebody People speack spanish
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Fri Apr 14, 2017
Eric W Vander Werff answered:
Yes indeed - I have several applications right now where folks are buying or refinancing with scores as low as 580. Credit history and income are important also. Best to get with a loan officer and have them review all the details of your situation. Feel free to reach out if you would like help, I lend in all 50 states and am quite familiar with NC transactions. ... more
1 vote 1 answer Share Flag
Wed Apr 12, 2017
Kenhowell728 asked:
Hi looking for help,
I was working with a major online Q lender, who I had/have a pre-approval through. I have 620 credit with a $10,000 gifted down payment. There was confusion when…
0 votes 0 Answers Share Flag
Mon Apr 10, 2017
Kathy Burgreen answered:
You have possibly 2 issues. Do you own the lot or do you pay space rent? If you pay space rent, the owner can evict you unless you have the cash to pay rent every month on time. As for your mobile home, if you are delinquent on the loan itself, the lender can confiscate the home and take possession.

If I were you, I would start calling people you know and see if you can stay with them until you get a job.
... more
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Sun Apr 9, 2017
Alan May answered:
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