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Home Buying in Spokane : Real Estate Advice

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Activity 117
Tue Dec 12, 2017
Kathy Burgreen answered:
I'm also retired and planning a move in case NY gets too expensive for us to stay. From my research, WA has no income tax so sales tax and property tax may be higher in WA than in ID. Remember, every state and county uses tax collections to pay for services such as public schools, fire, police, parks, maintenance, local government employees, etc. Therefore, there are states that either have no income tax or no sales tax or a low combination of both and there are states like New York and New Jersey that have high income taxes, high sales taxes, high property taxes, etc.

You also need to research other factors - health care, access to things you like to do, utility costs, cost of housing, cost of food, gas, etc.

Bottom line - while some news articles think weather and picturesque scenery make retirement heavenly in some cities or towns, reality is every retired couple or individual has their own needs or wants. You need to stick to what is important to your life and forget what the latest surveys show.

In my area, many residents from the New England area think Florida is the ideal retirement place but for us it's not. Florida may have pretty beaches and sunny weather, but I hate the extreme humidity, 90 degree weather for 7 months and poor health care services. My friends who retired there complain that the health care is horrible and they are seniors.
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Thu Dec 7, 2017
Dana answered:
Hello,

We have reached out to you directly to better investigate your concern. For any other requests like this, please reach out to our consumer support team at http://www.trulia.com/help/ask/.

Thank you for using Trulia,
Dana
Consumer Care Advocate
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Mon Oct 16, 2017
Littlemocs answered:
No where can I get a listing. Every time I try to find a listing -.1. I have to pay. I have spent more money every x I sign up. I have not found any thing. I get the run around. I am tired. I am disabled. I do have income. I have spent hours running around. Please help me. I can not do much more of this. I only want listing. Real one's. ... more
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Wed Oct 11, 2017
Frank S. answered:
FYI, Yes in many cases the borrower disqualifies them selves from listening to an A paper lender that only lends to the top higher above 640 scores that declined them. Yet, the FHA loan program allows financing from 500-579 with 10% down and 3.5% down from a minimum 580 fico score.

Each lender may have their own overlays and guidelines. Brokers on the other hand have 25 or so banks to choose from to place your particular loan scenario file to. They have banks that underwrite by the FHA guidelines in the FHA 4000 handbook.

Even if you have no fico scores you may qualify FHA with alternative credit such as rent payment history, car payments, cell phone, car insurance, day care, utilities, Dish, etc. Brokers will have the bank for the correct fit to your financial needs.

You can have up to 2k in collections on an FHA loan. If you have more than that in old collections you will have to be hit with a 5% factor but can borrow. FHA ratios allow up to 56% while conventional only allows up to 50%.
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Tue Sep 12, 2017
Robert Greenblatt answered:
HI Jason,
Thank you for your service!
I work with a large national VA lender which can probably assist:

Mark Dischert
Veterans United Home Loans
800-814-1103 x3355

Good luck!

- Robert Greenblatt
Keller Williams Realty
Military Relocation Professional
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Sat Jun 17, 2017
Fundsfred asked:
Thu May 11, 2017
answered:
Yes. Depending on other factors obviously, but those credit scores alone will not stop you from getting financed.

If your income is high enough you could look into just putting the mortgage in your name and having your wife only on title. If you both need to be on the loan, typically FHA programs will go down as low as 580 for minimum score. ... more
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Fri Apr 28, 2017
Berry327 answered:
Same here and South Florida super duper overpriced!
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Mon Feb 27, 2017
Bootsnbuck asked:
Why has Saved Homes stopped allowing inputting into a selected board, that process is not working and homes of interest are being stored in random boards . . . very difficult to know where…
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Sat Aug 13, 2016
Dbnspokane asked:
Mon May 9, 2016
answered:
Hi Heather,

Thank you for your service.

Yes, VA only requires a 2 year wait after chapter 7 bankruptcy is discharged to be eligible for a VA mortgage.

The big thing most people have trouble with in situations like this is re-establishing their credit.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115
(877)228-9069
NMLS# 787231
http://www.trulia.com/profile/john-burke-mortgage-broker-or-lender-austin-tx-993995/reviews
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Mon May 2, 2016
Mareapp1 answered:
What would be the best to pay off on my credit report to raise it fast. Thank you for your time Rickey and Margie Rhoades
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Thu Feb 25, 2016
Ted Clevenger answered:
I agree that you should look now. As a lender, I can use your schooling along with a letter from your employer to justify your new pay. GO ahead and give me a call or shoot me an email and i can answer any other questions you may have and look at your options. I am in bellingham, wa and can help from here.

Ted
360.594.4033
ted@neighborhoodmortgage.net
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Mon Feb 22, 2016
Invstnlfp answered:
I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans in 47 states. For VA home loans it's NO down payment. Are lowest score we accept for government loans are 550 when most lenders require a 620 and brokers a 580. You have to have two years of income with a score over 550 with bankruptcies discharge date 2 years and over. We have basic guidelines and a pretty easy process. Feel free to text me or call me anytime up to 10:00pm Eastern with any questions.
Brian Young 214-797-3479. NMLS#902687
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Mon Feb 22, 2016
Sally Grenier answered:
You can try contacting any local Realtor. You can try contacting the listing agent, but he/she is working for the seller. You really should have your own Buyer's Agent representing you.
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Thu Feb 4, 2016
Shannon Schoonover answered:
I meant to say 5+ acres. We would prefer 10.
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Tue Jan 26, 2016
answered:
Hi Brandiedeann,

What is on your husband's credit report that is making it not so good? Do you know what his credit scores are? FHA loans go down to a 500 score with a 10% down payment, and down to a 580 score with a 3.5% down payment.

I'd be happy to help figure out what needs to be done to get pre-approved for a mortgage. Most of my clients have credit issues so I have a lot of experience in this area.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans.com | 949-273-4161 direct
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