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Home Buying in Simpsonville : Real Estate Advice

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  • Local Info10
  • Home Buying20
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Activity 52
Fri Feb 3, 2017
Leadernadine answered:
My question is I'm up to date on my mortgage payments. But my HOA feed I'm behind. I want to set up a repayment plan. But the association wants more a month than I can afford. Now they want to foreclose on the property. What can u do to stop this? Can they sell my property even if my mortgage is up to date? Is that legal? I need a respond ASAP please ... more
0 votes 25 answers Share Flag
Wed Jan 25, 2017
Froggydays asked:
I have been approved for a USDA home loan for $125,000. My credit score is 748. I have two questions: 1. Can a USDA loan be used on a used doublewide with a permanent brick foundation on…
0 votes 0 Answers Share Flag
Mon Nov 21, 2016
Neil Roxas answered:
Hello,

Unfortunately, we didn't get enough information about your problem to resolve the issue. Please provide us with the complete property address by replying to this and we will be happy to assist you.

Regards,

Neil
Consumer Care Advocate
... more
0 votes 1 answer Share Flag
Sun Jan 17, 2016
Alysse Musgrave answered:
The contract can't be cancelled without your signature. Having said that, you didn't fail to buy the house because of your Realtor. You didn't buy it because you failed to qualify. If your agent cut you loose so abruptly, there must have been a reason. The other parties did work on your behalf and they deserve to be paid.

Find out exactly what the issue is; call another lender and see if it's something that can be resolved. If it is, you can always submit a new offer on this house.
... more
0 votes 2 answers Share Flag
Wed Jul 22, 2015
Alicia Beth Bryan answered:
Not sure if you received any answers, but with a new mortgage the additional debt and the new credit inquires as part of the loan process will lower your credit score. As time passes and payments are made on time your credit score will change and improve. ... more
1 vote 1 answer Share Flag
Mon Jun 22, 2015
Diane Christner answered:
Read your HOA bylaws and restrictions carefully. If they have the ability to fine you, they can potentially place a lien against your home and, after a certain amount of time, they may be able to foreclose on your property. You do not want to lose a home over a dispute with the HOA. If you cannot settle your dispute with the HOA board on your own, I would suggest talking to a lawyer to learn what options you have. ... more
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Thu Apr 23, 2015
Victor Pasqualicchio asked:
I live in New Jersey and got sick several years and could not pay my bills including my 1st Mortgage and Condo dues. After 3 long years I got better went on SSDI and started to contact my…
0 votes 0 Answers Share Flag
Wed Dec 17, 2014
Ray Bergey answered:
Amy, there are many different investore buying loans which have varying guidelines. You need to pre-qualify with a mortgage lender and ascertain any remaining adverse impact on your credit and credit score.

Start the process and continue to re-build yourcredit. It's a great time to buy!

Ray
... more
0 votes 4 answers Share Flag
Tue Feb 4, 2014
Brock Lee answered:
Having a resource to help with HOA information and documents makes life easier. Recently, when selling a home in Ohio, Association Online provided me with all the HOA details for the listing, and then provided all the documents - by-laws, financial statements, covenants, etc. They made sure the package was complete, making my work easier. Their web site is well organized and very easy to use - www.associationonline.com . Call their team of experts – they are great to work with (970-226-1324). ... more
0 votes 3 answers Share Flag
Thu Nov 21, 2013
Terry Stoddard answered:
A few years back, Greenville County started using Tax Appraisal Value of a property as a basis for calculating the property tax. Two percentages apply: 4% if the home is owner occupied and 6% if it is non-owner occupied like rental property for example. The disparity you ask about could have something to do with the size of the home thus the higher tax appraised value and the aggregate may include back taxes to make it higher. ... more
0 votes 5 answers Share Flag
Sun Sep 8, 2013
Christine House answered:
Clmpob,
If your more specific about the community someone in the forum may have a more detailed answer.
Cordially,
Christine House
0 votes 3 answers Share Flag
Sat Sep 7, 2013
Joy Steverson answered:
In South Carolina a homeowners assessment is paid by property owners to their subdivision's homeowner association and is not a governmental entity. Before you buy a property you should always review the recorded covenants to see what you are getting into and what all of the common property is. Typically the amount of the initial assessment is spelled out along with rules on maximum rate increases.

These assessments cover the costs of managing and maintaining common properties - examples of the types of expenses are landscaping, repairs and maintenance to road access gates, the professional management company's fee, reserve funding for future capital expenses, etc. Some subdivisions have private roads and others have public ones. If your roads are private, there will be a line item in the budget to repair these and reserve funding to repave at a later date.

Also, don't be surprised if the developer has reserved the right to control the association until a substantial build out has occurred. This in itself is not a bad thing - they normally want to ensure that the property is maintained to a high degree until they are substantially sold out. Also, until a certain amount of properties are sold, the developer will frequently subsidize the association.
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Thu Aug 29, 2013
gigioutz answered:
All units do not have stairs. The units in back with the private entrances and canopies are easy access uhits---all one floor. #118 and # 120 are on the market.
0 votes 3 answers Share Flag
Thu Aug 29, 2013
Nima Buva answered:
Here all the fellow agents are right. The homes are SOLD "AS IS" and there is no seller's disclosure regarding condition of the property. So you should have an agent exclusively representing you who is experienced in distressed properties. Both of you have to walk in with eyes wide open. Write down all the flaws in the home and consider those while submitting an offer. Hire very good and experienced inspector. Let me know if you need either one buyer agent or home inspector and I will be glad to help you. Feel free to call me at 864-634-8670 or contact me through Trulia. I am certified in representing in distressed property sale. ... more
0 votes 4 answers Share Flag
Fri Aug 16, 2013
Nima Buva answered:
There are none at this point but there are some for sale "AS IS". So there is much room for negotiation. Let me know if you need any assistance in scheduling showings of these units. Here is my cell number (864) 634-8670 or send me your email address and I will send you those listings. ... more
0 votes 1 answer Share Flag
Wed Aug 14, 2013
Teresa Smith-Giles answered:
Domsoccer of Simpsonville, SC,

There are many subdivisions that have been developed in the local area that might meet your needs. Also today there are some new home subdivions that offer excellent value. The best choice should include the geography, location, location, location; including the schools served by the property. I would be happy to discuss further all these variables and help fine your new home. Teresa , tg@charter.net.
Or www.smithgilesrealty.net.
Or Txt me 8644834663.
... more
0 votes 1 answer Share Flag
Sun Jun 16, 2013
Judy Nolin answered:
Hi Mimi
I can refer you to several local mortgage lenders who will always TRY to do their best for a buyer. They are Have a Heart people and will work hard for you. Your lender is your best friend right now, you will know where you stand at least.
You may contact me at judynolin@gmail.com or 201-4022
Let's talk about your situation!!
Thanks, Judy
... more
0 votes 4 answers Share Flag
Fri Jun 14, 2013
Beth Wietrzykowski answered:
There are three ways to get taxed: homestead, regular (4%) and investor (6%). Homestead is a lower tax rate for persons over 65 years old or with certain disabilities and have a lower tax rate than 4%. These 3 rates explain the differences you are seeing.

I hope that helps!
... more
0 votes 1 answer Share Flag
Thu Apr 18, 2013
Erin Joseph answered:
Hi Matt, If you haven't found your home yet, give me a call and I'll help you get started on the path to Home ownership!
Erin Joseph
Realtor
Keller Williams Greenville Central
864-313-2561 ... more
0 votes 6 answers Share Flag
Fri Dec 21, 2012
Aris R Mendez answered:
Hi Pooh : ),

Yes the HOA can place a lean in your home but it's cost effective not to specially if the home is under a distress status. If you have reached a Foreclosure status do a big favor to yourself and do not allow yourself to be foreclose on, your bank will allow the property to be short sale halting the foreclosure process and saving them tons of money. There may be an incentive for you as well, call me I can help, 've done numerous short sales. Thank you.

"Your Greenville SC Short Sale & Foreclosure Home Specialist"

Aris Mendez REALTOR®
864-567-5114
... more
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