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Home Buying in Saint Clair County : Real Estate Advice

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Activity 75
Thu Jun 9, 2016
Cankem80 asked:
My husband and I recently put down earnest money on a house we intended to purchase. The contract was contingent on financing and a home inspection. e home inspector said the home needed…
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Mon Mar 14, 2016
Abell.ashley asked:
Why can't I view a single picture on your website for any of the dozens of houses I've tried viewing? It seems highly unbeneficial for anyone looking to buy a house, if they can't…
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Sun Feb 14, 2016
Nicolewilson109 asked:
Our home is for sale on your website- 802 Chiswick Ct O Fallon, IL 62269 ant it shows that we have 1.5 baths but we actually have 3.5 baths. Can you please update your site? Thanks in…
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Tue Nov 10, 2015
bobthemag2 answered:
I think she is right to not make payments until it's sorted out. Wells Fargo won't talk to her unless she has a legal claim to the house. Hopefully he left her the house in the will. If not, another option is to try to claim common law marriage rights depending on how long they were together. I don't think Illinois formally recognizes common law marriage but there are some aspects that she may be able to claim especially if they've been together along time and presented themselves as married. Do they share a checking account? Savings? Is she listed as beneficiary to any banking, retirement or death benefits he may have? Did she take his last name? She will want to consult a lawyer pronto. She'll want to be sure to check for any debt he has or debt, liens, etc on the house. She would not want to claim common law rights and then find out he has debt. Creditors may be able to come after then for unsatisfied debts. She may also be able to claim some rights if she's been making half the house payment and that can be documented. But that's a long shot. Lastly, she could wait for foreclosure and try to buy the house then. Once the bank takes ownership they may be more willing to talk to her. A lawyer in Illinois will be able to give her better information and advice. ... more
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Mon Oct 12, 2015
Alan May answered:
You didn't tell us where to find that comment. Give us a link.
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Mon Oct 12, 2015
Karen Peyton answered:
Since the word "if" is in you question - you haven't yet purchased the car - so don't! Don't buy the car until AFTER you have the keys to your new home and are moving in. It is much easier to get a car loan than a mortgage. With that understanding, the mortgage must be your priority - even if means duct tape!

Best of luck!
... more
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Mon Sep 14, 2015
Lady4554 asked:
Some of the ratings and reviews I have read and seen about these management companies are scary and outrageous but real. Landlords need to read and review these comments when hiring a company…
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Sat Aug 22, 2015
Hannamiaa answered:
Freddie Mac owned properties are those which are owned by the Federal Home Loan Mortgage Corporation (FMLMC). When a homeowner becomes delinquent in their monthly mortgage payments, they are at risk of foreclosure. This causes Freddie Mac to repossess the home as they are the loan servicer of the property. http://ForeclosureIQ.com ... more
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Tue May 5, 2015
tcpartelow asked:
The info on my house was grossly inaccurate (1073 vs 2530 sf). I corrected the information over a week ago. Does that have an effect on the estimated value?
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Mon May 4, 2015
Jackson Willis answered:
I don't think that security systems generally come with a home. You can ask the realtor though. There's a chance that the equipment has been left behind. In that case, I don't think it would be active, and you would have to hire a company to come out and have the system activated. Different companies could have different ways of doing this, but you'll never know until you ask around and do your research. I hope you're able to figure this out and that you're able to keep your house safe with a security system.
http://aegissecurityaz.com/Services.html
... more
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Mon Jan 5, 2015
Norwoodnakia40 answered:
Can my husband buy my house it's in a short sale
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Wed Dec 3, 2014
answered:
If you need help with financing, or need to be preapproved, there are some excellent new programs available. Please call, it only takes a few minutes over the phone!...618-407-5564.
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Mon Sep 8, 2014
Lynnessa Wilson answered:
Check the local property appraisers website for that county. They will have a way to type in the address and see the owner's information. Hope that helps and good luck!
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Sun Jul 13, 2014
Tim Rosinski answered:
We at R T Property Inspections list all of our services and pricing. http://www.rtpropertyinspection.com/Homeinspectionpricing
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Wed Apr 2, 2014
Bob Brandt answered:
It may be best for you yourself to contact the Village all and ask about the zoning requirements for horses. First hand info is always best. Next, see if there are any subdivision rules that say no livestock. ... more
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Mon Feb 10, 2014
Brian Nguyen answered:
There are definitely hard money loans out there that you can use. Typical rates can be between anywhere from 8%-13%. Although lenders like myself have a product where you do not have to verify income, and with a 650 FICO score or better, the rate can be brought in at 7%. You can expect these loans to also come with points. The advantages of these loans are that the products are much more flexible than a traditional loan. The disadvantage is that it usually requires 30% down and the costs are a little bit higher. I would recommend that you speak with a lender like myself that would be glad to help you get started on this type of loan. If you have any further questions or if you would like a loan, feel free to contact me. Good luck! Brian Nguyen Sr. Mortgage Banker Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
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