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85014 : Real Estate Advice

  • All27
  • Local Info1
  • Home Buying12
  • Home Selling4
  • Market Conditions1

Activity 24
Thu Aug 3, 2017
Melissa Hines-harris answered:
I try to due a short sell but my mortgage company had previous illegally foreclosed on me after the courts sent me a short sale letter but set them a denial letter to stop the sale however I filed to show just cause to the judge the courts and the bank the judge order to re send the home back to but I found out that in 2013 they never honored the judges order and we had to stop the sale and my foreclosure dates is days away how do I proceed to fight them ... more
0 votes 11 answers Share Flag
Mon Jul 3, 2017
Becky Keenan asked:
here is the address--when I do see it on your sites It gets a ton of traffic for your site
5810 N 11TH PL, Phoenix, AZ 85014
Listing member: Rebecca Keenan (azkeenan@yahoo.com) of HomeSmart…
0 votes 0 Answers Share Flag
Wed Jan 4, 2017
answered:
Yes that is possible.

Put dad (or anyone else that you want) on title after you have purchased the home.

Additional people on title can not be done at closing assuming there is a home loan. The lender won't
allow that assuming the other person is not on the home loan.

Not sure why you wan to do that.
And just because dad has a home with a home loan he could have another.

A non-occupant co-borrower is a hall mark of a FHA home loan. Fannie and Freddie have now embraced this to some degree with restrictions.
... more
0 votes 2 answers Share Flag
Thu Nov 24, 2016
Steve Bernstein answered:
For honest, accurate answers to residential mortgage related questions in AZ, contact Steve Bernstein: (480) 424-7144. www.azcentralmortgage.com ~ www.linkedin.com/in/stevenpbernstein
0 votes 2 answers Share Flag
Thu Oct 27, 2016
Karen Peyton answered:
Seller Warranties are covered in section 5 of the Arizona Residential Resale Purchase Contract. These warranties are limited in part with a property that is sold "As-Is" by addendum, executed at the time of contract.

As you can see, your question is incomplete. Hope this helps!
... more
1 vote 1 answer Share Flag
Mon Feb 22, 2016
Karen Peyton answered:
I don't know of anyone doing them in Phoenix. Sterling Bank and Bank of Marin are/were doing them in California, so I would contact both of them to find out if they have a mortgage "arm" in Arizona, or know who provides them here.

If you'd like, you can message me with your complete scenario through Trulia or my website. I would then ask my lenders for a comparable product and put you in touch.

Good luck!
... more
0 votes 1 answer Share Flag
Mon Feb 22, 2016
Karen Peyton answered:
I don't know that landlords are "eviction friendly." The eviction process costs money which erodes profit. The best you can do when contacting landlords and property managers is tell your story upfront, and ask them what they need to feel comfortable renting to you. Offer to "up" the security deposit or pay an additional month or a few months rent upfront. A co-signor would also be helpful if you have someone who is willing to help. It is also important that you have paid the balance owed to your previous landlord. If you haven't "settled," it may be best to be a roommate until you are able to do so.

Good luck to you!!
... more
0 votes 1 answer Share Flag
Sun Mar 1, 2015
Dorene Slavitz answered:
Sure, if you have really good tenants everyone is happy with a longer lease. If they aren't, then it's not beneficial.
0 votes 18 answers Share Flag
Thu Jan 1, 2015
Jennie Miller PLLC answered:
You should speak with the agent and/or broker that has your home listed for sale to get this corrected. You should thoroughly review the MLS listing to make sure that the information listed there is accurate. ... more
0 votes 9 answers Share Flag
Thu Jan 1, 2015
Jennie Miller PLLC answered:
You should speak with an attorney about your questions since he/she would be most qualified to answer your questions.
0 votes 5 answers Share Flag
Sat Jan 18, 2014
Melissa Schwartz answered:
Thank you for your service! You do need to start with speaking with a VA lender to get all your paperwork for the loan processing in order.

one item that has not been mentioned below which may impact a 'condo' sale in the Valley with a FHA or VA or even conventional financing is the 'condo cert' process that may not permit any type of financing. IF you are prequalified and working with an agent, please discuss with them condo certs and warrantability on condo's for financing. We have seen MANY condo complexes bought by investors in the past two years due to the market conditions. when a condo complex has more than 50% investor ownership, it may no longer qualify for 'normal' financing. There are several other factors that can cause a problem with financing when the condo certificate is returned to the lender from the HOA. I had one last year that was mostly owner occupied but the HOA had just changed management companies. As a part of that change, they had given homeowners an extra 30 days to pay to the new company their dues. Unfortunately they reported that too many were 'late' on their dues and did not take into consideration their owe 'grace' period. The lender denied the file! Thankfully, timing was not critical for either that buyer or seller and within an additional 45 days we were able to get a new report that was accurate and within the guidelines the lender required and closed the loan. I don't have the entire list of questions, but know that % of late HOA payments, % of Owner to Investors, $ in HOA reserves all impact any financing on a condo complex. MOST sellers have no idea about those items and are not able to say if the condo is going to pass or not! And it could pass one month and not the next as I found out!

Typically, most VA purchases (in AZ) take between 20-45 days depending on your lender, your preparation before you get underway and what happens with a condo certificate!

Melissa Schwartz
Realty ONE Group
www.AZFineLiving.com
602-672-6189
... more
0 votes 4 answers Share Flag
Tue Sep 24, 2013
Tiffany Carlson-Richison answered:
If you could contact my Buyer's Agent ,Tonja Taskey at 480-241-2061. She will be more than happy to answer this question. Thank you.
0 votes 4 answers Share Flag
Sat Aug 24, 2013
leo_gosson answered:
Bill. For what it's worth...I bought a home under the Oregon Veterans. When the wife and I divorced I was given the option of renewing my eligibility because in Oregon, divorce is considered out of the control of Veterans. I mention this to alert you to State Veteran's Loans as opposed to Veterans National VA Loans. Leo ... more
0 votes 12 answers Share Flag
Thu Aug 15, 2013
answered:
trust you were able to find a house to make it a home for you and your family. If I may be of assistance, please fell free to call or email me.

I am a Mortgage Banker in metro Phoenix, AZ. I lend in both Arizona and California where I will be pleased to help you. If you or someone you know is looking for financing options, please feel free to contact me or pass along my information. 623-340-0934 Korene Clopine-Seaman NMLS # 218520 KLCSLoanTeam.com We are Direct Lenders, WE CLOSE LOANS! ... more
0 votes 15 answers Share Flag
Thu Aug 15, 2013
answered:
Phillicia, I am not sure why this would pop up as a question today when you posted this in November 2012. I would be very pleased to speak with you and give you information on your options, time frames, etc. I never want to tell a client "NO" when it only makes sense to find the options and say not now but We can help you at this time, these circumstances, with this loan program. I am sure this was very upsetting but we will work with you to make it sure you don't have surprises again.

I am a Mortgage Banker in metro Phoenix, AZ. I lend in both Arizona and California where I will be pleased to help you. If you or someone you know is looking for financing options, please feel free to contact me or pass along my information. 623-340-0934 Korene Clopine-Seaman NMLS # 218520 KLCSLoanTeam.com We are Direct Lenders, WE CLOSE LOANS!
... more
0 votes 11 answers Share Flag
Mon Apr 15, 2013
Greg Corbett answered:
Hi Blanca,

Like most of the others have already said, if you feel you were foreclosed on in error, the easiest route would probably be to contact an attorney to help guide you the process of disputing. I have rarely heard of too many situations in Arizona where the banks have been found guilty of improper foreclosure but it never hurts to check. Unfortunately, there have been a lot of homeowners who have lost their homes while trying to modify with no success. Was this an investment property for you or was it a second home? If investment, do you have any others that you are trying to modify as well. If so, please give me a call. I may be able to help you with the process so you don't lose another home. My office is very close to your former home if it was in 85014.

Regards,

Greg Corbett
Green Street Realty
602-790-0075
greg@greenstreetrealty.com
... more
0 votes 10 answers Share Flag
Tue Apr 2, 2013
answered:
Ashley, I would call a Certified Credit Coach. The best one I know is Derick Vogel and Ariel Vogel. They give great service and help you resotr and rebuild your credit. Call 480-478-4304 or 480-371-4225 with Credit Absolute. check them out at www.creditabsolute.com Tell them Korene sent you.

I am a Mortgage Banker that lends in both Arizona and California where I will be pleased to help you. If you or someone you know is looking for financing options, please feel free to contact me or pass along my information. 623-340-0934 Korene Clopine-Seaman NMLS # 218520 KLCSLoanTeam.com We are Direct Lenders, WE CLOSE LOANS! You may hear more information on YOUR Source For Real Estate on Money Talk Radio 1510 AM each Saturday from 12:00 Noon until 1:00 PM
... more
0 votes 5 answers Share Flag
Tue Apr 2, 2013
answered:
Having done numerous HARP refinances, I would suggest you look at the overall costs and savings. I would be pleased to compare our service, fees, costs, etc, against anyone you wish to compare with us.

I have been in this industry for many years and have a team that are experienced and knowledgable to get your loan done and at a costs that is highly competitive.

I am a Mortgage Banker that lends in both Arizona and California where I will be pleased to help you. If you or someone you know is looking for financing options, please feel free to contact me or pass along my information. 623-340-0934 Korene Clopine-Seaman NMLS # 218520 KLCSLoanTeam.com We are Direct Lenders, WE CLOSE LOANS! You may hear more information on YOUR Source For Real Estate on Money Talk Radio 1510 AM each Saturday from 12:00 Noon until 1:00 PM
... more
0 votes 8 answers Share Flag
Tue Apr 2, 2013
answered:
Nancy, As a Mortgage Banker with Pinnacle Capital Mortgage, a direct Fannie Mae and Freddie Mac lender, I am helping complete a number of HARP 2.0 refinances. Some of these transactions are more complicated than others but they are getting refinanced.

You can recontact your servicer. Hopefully they are willing and able to help you and wish to do so. If they do not or you are not willing to gamble your families finances on their helpful customer service, you can contact a Mortgage Banker, such as myself, who has the resources and program that is available to help you. The advantages of this is You get to benefit and to experience a high level of client service with a large direct lender with small time custmer service and knowledge to assist YOU. Our time frame is between 30-45 days.

We base the value of your home by Freddie Mac's automated underwriting system almost all the time. You home value could and probably will be different.
... more
0 votes 11 answers Share Flag
Sun Nov 18, 2012
Doug McVinua answered:
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