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Portage : Real Estate Advice

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  • Local Info1
  • Home Buying7
  • Home Selling0
  • Market Conditions0

Activity 23
Tue Dec 6, 2016
Dickisonfarms asked:
i have tried contacting 2 agents off this site so far and they don't return phone calls or emails
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Mon May 2, 2016
Joyce Tucker asked:
we are a senior mom and son age 45 with cat that is declawed and neutered, son does much in painting, flooring, wallpaper and drywall. Willing to purchase within two months., hopefully a…
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Thu Feb 25, 2016
Douglas D. Miller asked:
I filed bankruptcy in 2011 after my wife passed and didn't reaffirm on my home. The bank took it back in may of 20013. Now I want to buy another home, is it possable. I live in Indiana.
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Wed Jan 14, 2015
Dan Tabit answered:
Carleenam,
Rent to owns are rare and even more rarely are they a good deal for the renter/buyer. The vast majority of rent to own renter/buyer's never end up buying the house. They are a great deal for the landlord/Seller as they get to collect large up front deposits and over market rent only to do it all over again in the same house. I consider it basically immoral and predatory in most cases.
Resolving credit issues isn't rocket science and a local mortgage lender can and often do assist buyers with this. Many things you can do yourself, others the lender can direct or assist you with.
Most people in this position are far better off renting the least expensive place they can stand to live in and save up some down payment, get on a budget and fix their credit. Once you are qualified, you can select any listed property in your price range and you've fixed the issues that hurt your credit.
Seller financing is also uncommon, to be legitimate the seller must own the property outright and transfer the property to your name.
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Sat Sep 27, 2014
Tim Moore answered:
Down payment minimums are a function of the loan type used. FHA requires a minimum of 3.5% down. VA and USDA require 0% down. Conventional loans range from 5-10-15-20% down. You can always put more down to reduce the loan amount and thus your payments each month.

If you are asking about earnest money then that is negotiable between you and the seller. Your agent will have an idea of what is customary in your area. If you want to offer an amount with $500 earnest money and the seller wants you to put more in escrow, they will counter your offer with that amount. Your Realtor will be better able to advise you on earnest money than the lender will. The lender will be able to tell you more about money as a down payment to the loan.
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Wed Jul 23, 2014
Brent Wright answered:
You should definitely contact an attorney and keep paying the mortgage as normal. The thing is in Indiana once you are married you are 1 identity. We are not a community state. Definitely meet with the lawyer because you should have ownership from my understanding. If you need help with anything or don't know an attorney just give me a call. (219)406-7195 ... more
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Mon Jun 9, 2014
Brent Wright answered:
If your client has listed the home with anyone I would definitely like to speak with him. I can help out with listing and selling the home. Ogden Dunes is a great area that is highly desirable. The market has definitely taken a turn for the better around here and there is a Large Chicago cliental out there looking for a beautiful community like OD. Feel free to contact me.

Brent W. Wright
Broker Associate
McColly Real Estate
(219)406-7195
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Mon Jun 10, 2013
Jessica Kljajic answered:
Tue Mar 26, 2013
Brent Wright answered:
I can definitely help you with that. Please send me a message with your email address and I'll send those over to you directly from the MLS.

BrentWright@McColly.com
0 votes 1 answer Share Flag
Sun Jul 22, 2012
Renita asked:
Sun May 13, 2012
Gayle Roberts answered:
We do get many inquiries about rentals. At this time of year when homes are selling quickly, the sellers are opting to sell their homes and not rent. Not to say that there aren't some out there, but not as many. It would be my pleasure to try to help you find a rental. You can contact me at 219-588-4897 so we can discuss the particulars.
You can also visit McColly's web site at www.groberts.mccolly.com and click on the rental icon.

Call, text or email me at any time.

Thank you
Gayle
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0 votes 1 answer Share Flag
Thu Mar 24, 2011
Julie Elisha answered:
Hello!

I have rentals in Portage, but nothing available at this point. Have you thought about purchasing a home? With 3.5% down and low interest rates, you could buy a home and stay within your budget. Otherwise, check the local papers (NWI Times or Post Tribune). They advertise online as well as the physical paper. If you have any questions, please feel free to call.

Good Luck!

Julie Elisha
Prudential Real Estate
219-808-6708
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Fri Feb 11, 2011
Henry answered:
no. It is a bilevel, and it leaks in the basement. The mold is growing up the walls. The owner has no interest in fixing the problems before selling and Nipsco Red tags the dryer outlet because it goes into the garage. And also has redtagged the hot water heater. the owner has no interest in any of these problems. ... more
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Sun Apr 25, 2010
Anna M Brocco answered:
Since no local answers yet--any local agent can help you--contact any realty office(s) and inquire or contact any local Trulia contributor(s) directly and ask--or check your local property records departments and see if any leins exist--as far as the utilities--it really depends on usage, size of the property, etc. and again any agent can help you with some guess estimates. ... more
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Thu Oct 8, 2009
Jeffrey Masich answered:
Yes, you have some decisions. Rent to own could be good, but in most cases the purchase price is "undefined" so beware.

Before you consider the foreclosure, consider these re-financing options and the "short sale" alternative:

Financial distress? Homeowner finance options through HOPE NOW, an alliance between counselors, mortgage companies, investors, and other mortgage market participants. See the link for more information.

Short Sale Consideration Webinar. (35 minutes). A must watch before starting the short sale of your home. More information on the short sale process. What is a short sale? What should I do? How much will it cost? Watch an excellent short sale webinar that will answer most of your questions at this link: http://www.arizonahomesland.com/forsellersorlandlords.html
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Thu Sep 24, 2009
Christine McDaniel answered:
Hi Phil,

As a home buyer you do want to work with a Realtor. You do not want to be calling off signs. That agent already has a relationship with the seller. Dual agency representation is allowed in Indiana but alot of states have done away with it. The Realtor you work with as a buyer would represent only you. They are paid by the seller. So it is free for you to work with a Realtor as a buyer and have your own representation.
The selling price of a home is important. A Realtor will also do a history search and see when the homes you are interested in sold last and for what price. Also a search of comparable properties in the area should be done.
If you are wanting to get in on the $8,000 tax credit you do need to get an offer in within a week or two. It is taking 45 days to close on homes. There has been a pick up in first time home buyers scrambling at the last minute. The lenders will be backed up.
If you are not working with a Realtor give me a call. I'd love to help you with your home search :)
Christine McDaniel
McColly Real Estate - Valparaiso
www.christinemcdaniel.com
christinemcdaniel@yahoo.com
219-730-3502
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Thu Aug 27, 2009
Jodi Smith answered:
Mike, I've used Graebel (not sure if I spelled that right) and Mayflower. Both were good, but I would say Mayflower was the better of the two.

Where exactly in southeaster Florida are you planning to move? Do you already have a home there? I know some great agents in Florida that would be able to help you find a place. There are certainly some good deals to be had right now.

Jodi Smith
Atlanta Real Estate Agent
Keller Williams Realty Consultants – Roswell, Georgia
678-763-6025
jodismith@kw.com
Tweet Me: http://twitter.com/JodiRSmith
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Fri Jul 31, 2009
Jason Hertenstein answered:
Here is one that you may like.
0 votes 3 answers Share Flag
Tue Jul 28, 2009
Fran Sakes answered:
Need $5,000 for CLOSING COSTS? Maybe this is the home you saw on TRULIA! this home has just been 'reduced' in PORTAGE. It's a 4 Bedroom, LOVELY split level with a two tiered CUSTOM deck area, leading to a fantastic oversized OVAL- Swimming POOL!. It has beautiful custom features, including a NEW whirlpoo relaxing TUB, and finished LAUNDRY, with storage and CERAMIC floors. Close to schools in NEWER subdivision.
REDUCED by $5,000.00 yesterday .. a n d the seller is offering $5,000.00 CLOSING COSTS. With the TAX credit of up to $8,000.00 it's certainly a great BUY! Contact me and I'll forward the MLS LINK to this home! Isn't TRULIA a GREAT site for networking?!

fran.sakes@century21.com, or direct: 219 736 7040....

CLICK ON LINK BELOW***** for details

Thanks for viewing on TRULIA!

Fran

fran.sakes@century21.com, or direct: 219 736 7040....
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