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77469 : Real Estate Advice

  • All20
  • Local Info4
  • Home Buying7
  • Home Selling4
  • Market Conditions0

Activity 16
Wed Mar 1, 2017
Marulloholdings asked:
The current picture on trulia is very old and not accurate. How do I accomplish this?
0 votes 0 Answers Share Flag
Mon Jan 11, 2016
Rondha Ordaz asked:
residence . We are thinks of renting it for two months during this summer June to August , since we will be out of town . Need advice on where to start with the renting process .
0 votes 0 Answers Share Flag
Sun Aug 23, 2015
UpNest Top Realtors answered:
Hi Jess,

The only way to get your home listed on Trulia is to have it listed on the MLS. Only agents have access, so hiring an agent is the easiest way, but you could also pay for what's called a flat fee listing service if you want to sell by owner (generally not a good idea).

We created UpNest (http://www.upnest.com) to help home sellers get the best value possible. All you have to do is submit a few details about your home, and we'll invite several top local agents to submit proposals to you.

Since agents are competing to earn your listing, they bring out their best commission rates and value added services, saving you a lot of money. There's no risk to try us at all, and it's completely free for you.

http://www.upnest.com

Good luck!
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Mon Aug 17, 2015
Scott Godzyk answered:
First thing is NEVER sign anything unless reading it AND understanding it. Yes it is a cash offer BUT there is a contingincy and a BIG ONE., . It was contingent upon a home sale which is a big as it gets for contingincies. Shame on your agent for not going over it as well. ... more
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Wed Apr 15, 2015
Deanhick1 answered:
My loan was denied 3 was before closing. My loan officer WELLS FARGO said she was going for the approval instead of a pre approval before I started building. ..she got the " APPROVAL" from the under writer. So we started building and 3 weeks before completing the home and closing date they came back with a denial due to schedule c on taxes...shouldn't they have figured all that out before APPROVAL me? I wish I could sue them... ... more
0 votes 13 answers Share Flag
Thu Sep 18, 2014
Simon Campbell answered:
Yes, if you are getting a mortgage - even with down payment assistance - the lender is going to consider your debt to income ratios. If these are too high, you will only be approved for a smaller mortgage amount.

Banks look at these two different ways: front-end ratio and a back-end ratio.

FRONT END RATIO: This looks at the how the mortgage payment compares to your monthly income. As a general guideline, your monthly mortgage payment, including principal, interest, real estate taxes and homeowners insurance, should not exceed 33 percent of your gross monthly income.

Formula: Monthly Salary x 0.33

BACK END RATIO: This formula determines the maximum amount a lender will allow you to pay on all debt including housing expenses, car loans, child support and alimony, credit card bills, student loans and homeowner association fees. Your total monthly debt obligation should not exceed 40 percent of your gross income.

Formula: Monthly Salary x 0.40

This will help you to gauge your finances and the amount of mortgage that you can afford.
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0 votes 1 answer Share Flag
Fri Nov 22, 2013
Don Groff answered:
You can contact the county directly to see how much you save with a homestead or any exemption.

_____________________________________________________
Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | listings@dongroff.com
websites: www.AustinListed.com | www.360LendingGroup.com
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Sat Oct 19, 2013
Kevin Read answered:
Are you looking for MLS forclosures or auction foreclosures? This is about 25% of our business.
0 votes 3 answers Share Flag
Thu May 2, 2013
Kevin Read - Houston answered:
You need to first determine if the owner and management company of the apartment complex are by chance licensed within the state. If so report them to TREC (Texas Real Estate Commission). TREC is required to investigate any and all complaints made about a licensed member. Second, write a letter to the collections demanding payment, halt of any futher debits, and contacting the credit agencies. Have it delivered with a signature. You can also threaten a law suite. A small claims is very cheap although depending on how much you are owed you may not receive all of the amount. Lastly, contact an attorney. ... more
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Sat Jul 14, 2012
Jim Simms answered:
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Thu Jun 28, 2012
Andrew Fellinger answered:
Mary,

"Good neighborhood" is in the eye of the beholder just as beauty is in the eye of the beholder! Check out the schools to see if they meet your expectations...call the sheriff/constable to get an idea of crime rate...is it a reasonable location to commute to your church, workplace, etc...is the home in the right price range for your budget...there is plenty of shopping nearby! Hopefully this helps you to determine if it is a good neighborhood for you!

Please call me if I can be of further assistance!

Best regards,

Andy Fellinger
RE/MAX Southwest
281-207-5036 Direct Office
713-819-0060 Cell
... more
0 votes 1 answer Share Flag
Mon May 28, 2012
Jerry & Deborah Parr answered:
The w means withdrawn. It is connected too that particular MLS number. When you list the house again, a new MLS number will be generated,
0 votes 4 answers Share Flag
Fri Apr 27, 2012
Ace Hernandez answered:
Co signer, find an owner finance listing, (would still need about 205 down, or work on improving your credit. currently, their is no other way.
0 votes 4 answers Share Flag
Fri Mar 30, 2012
Jim Simms answered:
Try contacting the state real estate commission or attorney general, I bet if the broker is still in business he will take their call .
0 votes 7 answers Share Flag
Sat Jun 6, 2009
T.E. & Naima Sumner answered:
Financing regulations and rules have changed a lot since 2008.
That may be hard to understand and accept but the billions of dollars of foreclosed mortgages in California, Nevada, and Florida, not to mention every other lesser location, caused massive failures within the banking system, collapsing the single largest mortgage provider, Countrywide, into Bank of America, for example.
We didn't see the run-up in prices in Texas and didn't have to same level of profligate lending that were widespread in those place, but we did have our share of abuses.

These days financing is the biggest single cause of contracts going bad. Last year 580 was acceptable as a credit score. 0% down was acceptable. Now, you need at least 3-1/2% down and a 620 credit score.

The good news is that rates are low. If you can qualify for a loan (in January you did), your payment would be better now anyhow, most likely. See if you can get pre-qualified again with a lender. You may be surprised by a lower monthly payment. The cash down payment, however, is never going to be below 3.5% unless you are a veteran or the house is located in a rural area.
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0 votes 1 answer Share Flag
Wed May 27, 2009
Rob Purifoy answered:
Nice question. As the subdivision becomes built out and 5 years down the road, and assuming the builders are fairly similar in style and construction, the importance of who built the home begins to fade. It then becomes an issue of appeal, upgrades, construction type and quality. When it comes to value it's also importatnt to note that appraiser cannot see inside of the comparable homes that chooses to use but can only discern based on the description of property in MLS.

For instance, when you are ready to sell the house, buyer's will be touring your home as well as the other's currently for sale and it will usually be evident if a home that was built as a starter home with unfinished garages, cheap fixtures, vinyl flooring, etc. Some buyers don't mind this as it's a cheaper way to get into a first home. On the other hand, they will be able to see the appeal of your more expensive home based on the upgrades and see where the price difference lies.

it's no problem to buy the more upgraded homes, just don't be the biggest one on the block with every single upgrade, you won't get your money back on that.

I don't know your subdivision or how the builders are so it's hard to speak to that, but generally speaking that's the basics.
... more
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