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Sidney : Real Estate Advice

  • All17
  • Local Info2
  • Home Buying9
  • Home Selling0
  • Market Conditions0

Activity 16
Tue Feb 7, 2017
Fullspectrumproductions1 asked:
Husband and wife with 3 kids. Both have good is a teacher and the other works for Honda.
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Thu Jan 7, 2016
Ann Ryan answered:
VA loans require a 0% downpayment. If you already have your certificate of eligibility, it only takes a week or two longer to processthan a conventional loan.
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Sat May 9, 2015
Little_angelbaby68 asked:
has anyone died in the house?
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Thu Feb 19, 2015
Dan Tabit answered:

I don't know which homes you're talking about, but rent to own is not a good idea. Legitimate 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.
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Thu Jul 24, 2014
karina.sekas1988 answered:
Sat Oct 19, 2013
123 answered:
It appears that the house may still be for sale
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Tue Oct 1, 2013
These are questions to ask your Realtor, find a good buyer’s rep you trust and have a counseling session to learn how it all works.

But back to your questions, it depends on the circumstances. If you are going to use a mortgage in order to finance the purchase the lender must document the source of funds before you can use it at the closing. If the money is yours they will need a copy of the front and back of the cancelled check after it has been cashed by whoever holds the funds during the escrow period. If you can’t produce proof the funds were yours or a copy of the cancelled check then it can be refunded to you at closing but you can’t use the funds at that time. If the funds were not yours but a gift, a similar process must occur, just different documentation.

Good luck with your new home, have fun with the buying process.
Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
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Fri Apr 5, 2013
Alison Hillman answered:
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Ali, Trulia Voices Community Manager
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Sat Mar 23, 2013
Bill Eckler answered:
This is a great question and one that varies from one agent/agency to another. Your issue with this is shared by many.
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Mon Mar 18, 2013
Ladonna Hufford answered:
Unfortunately I do not show this as an active listing on the market. However, there are several others similar to size and style that are available and I would be more than happy to show you any of these properties! ... more
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Wed Dec 19, 2012
Pattie Armstrong answered:
Yes, we are in the process of Short Selling the house. Any accepted offers from the Sellers are contingent upon Bank Approval and acceptance of purchase price. House will not go any type of Gov't loan. The roof needs replaced. ... more
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Sat Oct 6, 2012
James Gordon ABR SFR SRS answered:
bipolar I am not sure but the perfect night to find out, Samhain, is coming up soon. Want to try to spend the night there alone?
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Thu May 17, 2012
tina asked:
We live less than 1 hour away from Sidney, in a great location near lake and in golf subdivision with wooded privacy. This would be a great retirement home with little maintenance. Or a…
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Wed Jan 25, 2012
Nicki New answered:
Rebekah, I may have some options for you. Give me an idea of what your looking for and the price point. If you need time before buying we do offer a lease to own option, which will help build your credit and down payment while getting you into your new home before the new baby. Feel free to contact me by email or your welcome to call our office 937-492-8640. ... more
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