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78223 : Real Estate Advice

  • All9
  • Local Info3
  • Home Buying1
  • Home Selling3
  • Market Conditions0

Activity 7
Thu Dec 8, 2016
Iwseanwoods asked:
Since this is a scam, you don't actually have to know anything about real estate in order to work for Armando Montelongo.

I'm a waiter at a fine-dining restaurant in downtown San Antonio.…
0 votes 0 Answers Share Flag
Wed Feb 24, 2016
Carla Newell answered:
I just listed a 3/2 home same area last week, and we received multiple offers in 24 hours! If you're not currently working with a REALTOR, feel free to call/text me with any questions. I can also put together a complimentary home market analysis for you so you can see what homes are currently listed for, and what they have recently sold for. Good luck!

Carla Newell
RE/MAX River Cities
(361) 935-4743
... more
0 votes 1 answer Share Flag
Fri Nov 6, 2015
Dan Tabit answered:
First things first. Fix your credit. In the early 2000's money was easy and lots of people with bad credit bought houses and then in the late 2000's many of those people lost their houses. Some people fixed the issues that caused their bad credit and are still owners.
Getting on a budget. Scheduling your bills, creating an emergency fund to avoid having to go further into debt. Paying down your balances but leaving accounts open, disputing any errors on your report are just some of the steps you need to take. It's easier than you think, but it takes some effort. Maybe the goal of buying a home will be the motivation you need.
There are lenders who assist with credit repair. They may have more specific help for you based on your situation.
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0 votes 3 answers Share Flag
Wed Jul 31, 2013
Jason Campbell answered:
Well... there wasn't actually a question there.. but I can refer you to the best VA lender in Texas. Contact Kasey Hampton - 210-241-2629

You can thank me later! Best rates in Texas.. Tell her I referred you.

Jason C Campbell
... more
3 votes 7 answers Share Flag
Sun Jul 14, 2013
Ricky8800 answered:
Well, in all honesty, we were pretty close to getting a home around this time last year. Here's the story, my father used my ssn to open up a bank account with an overdraft account. You can probably guess how that ended up. So while getting a house with Centex, my wife and I explained that the 13.5K owed to Chase was fraud committed by my father. So the underwriter's took my explanation and approved my mortgage to the next step, which was the mortgage insurance company (we put 5% down). This was good since we only had a year to wait for the collection to fall off anyway. However, when it made it's way to the MI company, they totally declined the insurance on our new mortgage and would not hear of the explanation. There was pretty much nothing more we could do; we wrote letters and even tried dealing with a broker. Anyhow, it's been a year almost and now the collection agency is off my report, but the bank that charged off that debt is still on there. We are estimating that to fall off in October. We plan on looking around that time, but it's very sad because we locked in a 3.25% interest rate and now rates are in the mid 4%'s. Not to mention houses are 10K more than they were two years ago.

I guess I have another question: Should I continue to wait until this charge off is completely off my record even though the collection agency has already dropped off. My Credit Score is 793 but I know the mortgage insurance company looks real closely at everything.

Also, besides the 20% down, are there any other ways to get the MI company to insure my loan.

In the end, it's very sad that my family and I missed out on a lovely home and a great interest rate for a debt that I got absolutely nothing from. Being a Jr. sucks so bad.
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0 votes 12 answers Share Flag
Mon Nov 26, 2012
Doc & Ellen Stephens answered:
Hi, Didi,

Here is a link to demographics for the area near River Road. Hope this is helpful.*AxtaYM60rcUDXZqIB2T35YuCA_

If you need more specific info, for example on a particular property, I can provide it as well.

Best regards,

Doc Stephens, REALTOR
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0 votes 2 answers Share Flag
Sun Nov 25, 2012
Anna M Brocco answered:
Visit a neighborhood several times to get a sense of belonging. Check out area statistics; real estate professionals are prohibited from steering, enticing a buyer to purchase, or not, in specific neighborhoods; so, you should check out demographics on your own to assure your comfort level can be reached. ... more
0 votes 4 answers Share Flag
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