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Home Buying in Saint Paul : Real Estate Advice

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  • Local Info28
  • Home Buying71
  • Home Selling9
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Activity 121
Mon Dec 25, 2017
Kathy Burgreen answered:
In order to buy a home, you either pay for it with cash savings or you finance it with a mortgage loan. If you need a loan, your first step is to contact a lender who will pull your credit and analyze your finances to qualify you. Lenders look at your income, savings, credit, debt to income ratio and tax returns. There are different loan programs with different qualifications.

Start with your own bank first and ask to meet with a mortgage loan person.
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Sat Dec 23, 2017
Kathy Burgreen answered:
As a former realtor, you need to contact the Broker in Charge or Office Manager where your agent works at. You can fire your realtor but the broker in charge or Office Manager needs to sign off on the release form. It's not as simple as just telling your agent that he/she is fired. In real estate, everything needs to be in writing and signed - by the person who is authorized to do so - which is the Office Manager.

By the way, expect the Office Manager to reassign you to a different agent within that brokerage. The reason is they want to keep you in the same brokerage - not go to their competition.
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Thu Dec 7, 2017
Calli asked:
She has had a bankruptcy 2 years ago, I have not. We have two incomes and need help on the first step and if possible with low scores.
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Sat Oct 21, 2017
Mary Mettille answered:
Hey there,

I'd love to sit down with you and chat about your situation. Can I buy you a cup of coffee or tea?

Mary Mettille
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Sat Oct 21, 2017
Mary Mettille answered:
Hey there!

I see you are from Charlotte, North Caroline. Are you planning on moving to the Twin Cities? If so, I know of several great mortgage professionals to work with. I'm not quite sure about down in NC though!

Talk to you soon!
Mary Mettille
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Fri Jun 9, 2017
Alan May answered:
As the consumer, you have the right to work with whomever you want. Particularly if you have a crisis of confidence in your current agent.

If you've signed an exclusive buyer's agreement with the first agent, however, you might find yourself owing that current realtor a commission, whether you use her or not.

If you haven't signed an agreement with her, she still might be entitled to a portion of the commission (this time payable from the listing agency) as procuring cause. (there's more to procuring cause, than her just being the first one to show it to you).

Make contact with a new agent, and explain the situation. They should be able to fill in the blanks for you.
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Mon Apr 10, 2017
Tom Helin asked:
improved Could it be used (obviously with Trulia attribution) for a not for P website
with a starter home target audience.
Thanks
tom.helin2@gmail.com
55101, 612-223-0109
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Thu Mar 2, 2017
Rick & Amber Gonion answered:
Wed Feb 15, 2017
Jamel Vance answered:
Can I refinance or trade in my truck while trying to purchase a new house
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Mon Jan 2, 2017
jane asked:
--
This question was asked from this property: https://www.trulia.com/foreclosure/3254943145-727-Meadow-Ln-Woodbury-MN-55125#photo-2
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Tue Dec 20, 2016
Jeffrey Nobleza answered:
Based on what you have stated you can not only qualify for a loan you may even qualify for a downpayment assistance grant or program. I would be happy to introduce you to one or two lenders you can interview and get information from.

Feel free to contact me.

Jeff Nobleza
Keller Williams Classic Realty Northwest
7365 Kirkwood Court #200
Maple Grove, MN 55369
773-677-5340
jeffnobleza at kw.com
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Thu Oct 20, 2016
Alan May answered:
Usually, a lender won't begin foreclosure proceedings until you're a full 90 days past due. But that depends on the lender.

If your mortgage is behind... and you're making payments as you go... but you're still behind... even though you're making semi-regular payments, you could still be considered past due... and 90 comes up faster than you can imagine. ... more
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Thu Jul 21, 2016
Drdooby2004 answered:
I also have a credit score of 750. i got a company im willing to work for, for a long time. but the past 2 years havent been steady 2 year employment. What can i do?
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Sun May 22, 2016
Eastsideskur88 asked:
Long story short, I purchased my first home last fall with FHA backed loan. Place started falling to pieces shortly after. HVAC system, electrical issues, and HIDDEN mold/water damage undisclosed…
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Sat Apr 2, 2016
Tlwalker asked:
A few days later we noticed two different windows have inside panes that are cracked. The realtor says they were not cracked when he went through the house with the buyer/inspector, but…
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Fri Feb 19, 2016
Karen Peyton answered:
In my experience, agents representing banks don't call around to "shop" offers. They will take the highest and best to the bank for consideration and approval. You will not know what other's have offered. Yes, you can increase your offer; your agent can advise you how this is done.

Good luck!
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Fri Feb 19, 2016
Alan May answered:
I've never heard the "you can only bid once"... unless, of course, this is a foreclosure fannie mae, or freddie mac listing. Your agent should know the details... you should ask (and trust) your agent. ... more
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