Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

32808 : Real Estate Advice

  • All25
  • Local Info3
  • Home Buying12
  • Home Selling2
  • Market Conditions1

Activity 21
Tue Jan 10, 2017
Hi Fjbriggs60,

If the mortgage was not delinquent at the time it was awarded to your ex in the divorce, then FHA guidelines do not count the foreclosure so your eligibility would be based on the discharge date of your bankruptcy.

If the mortgage was delinquent prior to being awarded to you ex, you'll have to follow the FHA foreclosure guidelines which require a 3 year wait from when the bank took back the home.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online:
NMLS# 787231
... more
0 votes 15 answers Share Flag
Mon Mar 23, 2015
selchr answered:
Actually I have always bought my car through a buying service and never used a sales agent. The same is with my house and I fully intend to get great advice through my local Title Company who will do all the legal work. Realtors are not worth the high cost in fact my USAA insurance company will pay me $1000 to use their agents and others have offered to reduce their commission. My house is one of the best in my neighborhood and I believe buyers will buy any ouse with value. ... more
0 votes 10 answers Share Flag
Fri Feb 27, 2015
Edward Maddox answered:
You need to contact the Trulia help desk for assistance.
0 votes 8 answers Share Flag
Sat Jul 26, 2014
Michael Joseph answered:
You had a foreclosure last year. Wouldn't you expect a lender wouldn't want to issue a loan to someone who defaulted on their mortgage just a year ago? If you have credit cards that go into collections you typically can't get a major bank to give you a line of credit. Why would they give you an even greater amount by far for a mortgage. It's just a major risk for the financial institute to issue a loan and a year out. ... more
0 votes 4 answers Share Flag
Fri Nov 8, 2013
Trung Nguyen answered:
Hi There,

32808 is one of the areas can generate high % for your investment return. I have multiple investors in this zipcode area. Keep in mind that homes are cheap in certain areas and there are reason for it. Call me if you want to discuss in details.


TN-Trung Nguyen
Real Estate Professional
La Rosa Realty LLC.,
Licensed in FL
Cell: 321.946.1403
... more
0 votes 9 answers Share Flag
Tue May 14, 2013
Jonelle Read answered:
If your just going through a Short Sale now, it will generally effect you qualifying for a mortgage for the next 2 years. However I have a great mortgage broker contact who is good at giving advice on how to improve credit in order to meet Lender's requirements. His name is John at Patriot Home Funding,

Jonelle Simmonds,
Rightmove Orlando
... more
0 votes 5 answers Share Flag
Mon May 13, 2013
Mack McCoy answered:
Mon May 13, 2013
Vincent Paige, P.A . answered:
No. This will damage your credit and your score will take a 80 to 100 point hit. You will have to wait two years and rebuild your score as well.

Vincent Warren Paige, Jr.
REALTOR® | RE/MAX Showcase
Certified Broker Price Opinion Registered Agent (BPOR)
8934 Conroy Windermere Road | Orlando, FL 32835
Direct: 407.256.8190 | Fax: 407.264.8073
... more
0 votes 4 answers Share Flag
Mon May 13, 2013
Vincent Paige, P.A . answered:
Hope it says SOLD buy now, that was almost three years ago....

Vincent Warren Paige, Jr.
REALTOR® | RE/MAX Showcase
Certified Broker Price Opinion Registered Agent (BPOR)
8934 Conroy Windermere Road | Orlando, FL 32835
Direct: 407.256.8190 | Fax: 407.264.8073
... more
0 votes 21 answers Share Flag
Mon May 13, 2013
Vincent Paige, P.A . answered:
Short Answer is NO, unless the buyer in contract fails to preform, or cancels due to inspection failure. If you have the highest and best next offer, then YES, then you may be able to buy the home if your offer is accepted at that time.

Vincent Warren Paige, Jr.
REALTOR® | RE/MAX Showcase
Certified Broker Price Opinion Registered Agent (BPOR)
8934 Conroy Windermere Road | Orlando, FL 32835
Direct: 407.256.8190 | Fax: 407.264.8073
... more
0 votes 11 answers Share Flag
Sun May 12, 2013
Patti Kane answered:
I had a short sale last year and my Realtor recommend for a home loan. I am very happy to be able to purchase again.
0 votes 7 answers Share Flag
Fri May 10, 2013
Evelyn Parker 407-924-2266 answered:
Secured credit cards are a must if you do not have any good established credit like now - Keep opened - pay on time and low balances. this will help your credit scores the quickest.

There are many first time homebuyer programs and one offiered for the whole state of florida where you can get $5000 to $7500 in assistance. The requirement is 640 mid score, cannot have owned a home for the past 3 years and you have to meet income eligibility requirements.
... more
1 vote 8 answers Share Flag
Fri Mar 23, 2012
Francisco Orchilles answered:
I will absolutely help you! I have a team that focuses on rentals and we can find you something quickly and efficiently! Let me know when you want me to start looking!

Francisco Orchilles
Keller Williams Classic Realty
... more
0 votes 6 answers Share Flag
Wed Mar 21, 2012
Alan Martin answered:
Some good advice here. I home you got it resolved. Most thsings in the rental game can be worked out using commonsense and the ' Golden Rule'. Do unto others as you would have them do to you ... more
0 votes 5 answers Share Flag
Tue Feb 22, 2011
Connie De Groot answered:
You should never spend all you can spend - that's what got so many people into trouble. Your mortgage or mortgages should probably not exceed 35 percent of your income. This is a more conservative approach towards spending but it is one that should prevent you from selling at the wrong time because you will be able to comfortably afford this financial obligation. Home prices could go down further with rates going up, more homes could come to market- there are so many things that cause prices to adjust. There will be opportunities down the road but please don't over extend yourself.

Coninie De Groot
Ph 310 913-1184
... more
0 votes 8 answers Share Flag
Wed Mar 10, 2010
Jennifer De Vivo answered:
Hi Marlene,

In short, yes and I can help you. Yes there is the USDA program, however the homes can be a bit far out from the "metro" area. As for the VA loan, that is a great loan if you qualify for it. If you have used in the past remember that the funding fee increases with each time.

If you are a first time homebuyer, I would recommend coupling an FHA loan with a bond program that will cover from $5,000 to $7,500 that you can use for your downpayment. This strategy would work for a price point of up to $214,000.

If this option works for you feel free to do a quick prequal on my website at the link below:

Contact me with any questions. It would be my pleasure to make your move as easy and stress free as possible :)

Jennifer De Vivo
The De Vivo Team

For more help call me direct at 407-921-1310
click on my Pic to read my bio!
... more
0 votes 6 answers Share Flag
Mon Oct 5, 2009
Divine Debbie asked:
Thu Nov 13, 2008
Rick Aguirre answered:
You have made your home more marketable and as such more valuable.This does not mean you can ask much more for you home than a comparable home. BUT, when shoppers are out there looking and find homes of comparable,size,price etc then your home will stand out and be the BEST VALUE.
Hope this helps.
... more
0 votes 3 answers Share Flag
1 2
Search Advice