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North Valley : Real Estate Advice

  • All18
  • Local Info3
  • Home Buying6
  • Home Selling0
  • Market Conditions2

Activity 10
Thu Jun 4, 2015
Scott/Shelley Weier Lender/Realtor answered:
Make sure your loan approval condition is checked - appraisal is a condition of the loan approval.
If the appraisal doesn't come in at purchase price or above, the offer will need to be renegotiated. ... more
0 votes 14 answers Share Flag
Mon Sep 9, 2013
Tony Cannon answered:
Sometimes when the data is put into the MLS by the listing agent, they vary where they include certain fees. They can be lumped into another category such as "Space Rent" or "Other Fees" so other websites pulling the data don't know which category to use and what is exactly contained in those fees. This is what happened with the Westwinds listing you referenced. On 3 recent listings, the same fees were put in by the listing agents as either HOA fees, Space Rent, or Other Fees. Other MLSs may have different names for these categories too! ... more
0 votes 3 answers Share Flag
Mon Aug 5, 2013
Alexander Greer answered:
We can certainly help you out. You can check us out at and give us a call. One of our loan officers will look at your situation and present you with some options. ... more
0 votes 7 answers Share Flag
Fri Jul 5, 2013
Sinead McAllister answered:
Good Morning,
All of the information below from Tony is great. The one that is active is 5140 N River Rd. #F. I would be happy to arrange a showing for you. Also worth mentioning that you need to go cash or conventional on this project and need a sizeable amount down due to low owner occupancy. Contact me if you would like to go take a look.

​Sinead McAllister-Clifford
Real Estate Broker/ Realtor®

McAllister Homes Real Estate
Residential Sales & Property Management
License 01366009
858-205-5215 CELL EMAIL
... more
0 votes 2 answers Share Flag
Fri May 10, 2013
Loan Do answered:
Keep saving, keep looking, and be patient.

When cash offers cool down, there will be another wave of buyers. Don't be fear of cash offers. If you keep saving, you will be ahead of many others. ... more
0 votes 10 answers Share Flag
Fri May 10, 2013
Senswella Mincey answered:
Hi Nicole,

You are doing awesome and you have a goal! You are well on your way to becoming a homeowner. It is very possible to purchase a home by the end of this year. Keep your debt to ratio low and factor in if you can afford a mortgage with the income or projected income you plan on making once out of and even during school?

check out this website to help determine you debt to income ratio the lower the better (check with a mortgage lender):

Also please take into consideration, I am not sure about your area, but there are other out of pocket expenses that you will have to pay such as:

Down payment, home inspection(s), survey, appraisal, retainer fee for a Realtor (if they are asking for that), doc stamps (for a bank owned property if you are in an area that requires you to pay them), escrow (deposit to seller), closing cost (your Realtor can sometimes get some or all paid on your behalf for you), etc... There could be more or less costs and cost varies in your area, check with you local Realtor. Many of these expenses are non-refundable.

Best wishes,

Senswella Mincey
... more
0 votes 5 answers Share Flag
Fri May 10, 2013
Senswella Mincey answered:

If your debt to income ratio is low, 9 times out of 10 you will still be able to buy a house. What I mean by debt to income ratio is your income super exceeds your debt, no matter how high your debt is if your income can pay for that and you still have money to spare in a good amount that is a good thing. The lower the ratio the better.

Check this website to determine your ratio---

Best of luck to you.

Senswella Mincey
... more
0 votes 7 answers Share Flag
Tue Mar 12, 2013
Rich Homer answered:
Engage a local Licensed Mortgage Broker by clicking "Find a Pro" in the header of this website.
0 votes 3 answers Share Flag
Tue May 22, 2012
Voices Member answered:
Contact me with the source of your information. I'm not aware of any property for sale in the USA for $8199.00. Did you possibly mean $81,999, etc? Thank you. J Taylor
0 votes 3 answers Share Flag
Tue Mar 13, 2012
Alain Picard answered:
The 511,651 is most likely what the total outstanding balance owed to the bank was so that's the amount that gets recorded as the sales price. When the bank lists the property for sale they most likely won't list it for that price, they will most likely have an agent check the current market and see what comparable homes are selling for and list it for that price and the bank will most likely lose a lot of money. ... more
1 vote 3 answers Share Flag
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