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Home Buying in Sun City : Real Estate Advice

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  • Local Info6
  • Home Buying38
  • Home Selling6
  • Market Conditions11

Activity 56
Fri Mar 3, 2017
Connie6655 answered:
Looking for a single-family detached homes available East of I-17, around 80,000-100,000 has to be all on 1 level as I am handicapped and also need a small fenced in yard for my dogs.
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Tue Feb 21, 2017
Jessica Bateman answered:
Yes you qualify for a mortgage as long as you meet the other requirements. The interest rate you get will vary lender to lender. Check out The Lenders Network they can refer you to a few lenders so you can compare rates. ... more
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Thu Nov 10, 2016
Karen Peyton answered:
Closing costs on $135,000 will likely run around $4,000 which is 3% of the purchase price. What will push this amount higher are prepaid HOA dues, special assessments, and capital improvement fees and transfer fees which are negotiable in the HOA Addendum. ... more
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Wed Jan 20, 2016
Adam Botticello answered:
I would love to assist you and you and your family in the home buying process. I am deeply appreciative of the sacrifices made by our Veterans and so I offer my Veteran clients a very large commission rebate. I credit my Veteran home buyer clients two thirds (2/3) of the commission paid to me at closing. This most commonly is 2% as sellers typically offer a 3% commission.

I would love to have a conversation with you to see where you are in the process and how I can assist. I believe with a little more information I may be able to help you solve your problem.

Thank you
... more
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Thu Sep 17, 2015
Karen Peyton answered:
Contact an agent in your area for a no-cost market analysis. That's the only way to get a true indication of value aside from an appraisal which will set you back around $450. Do not rely upon computer generated models - they have no bearing on reality. ... more
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Wed Jun 17, 2015
Charlotte.dhsg answered:
Here is some great info on the rising home values. http://www.simplifyingthemarket.com/2015/06/15/sales-up-in-almost-every-price-range-2/?a=165021-363353f472c5b14972031256c1cd230e
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Wed Apr 8, 2015
Bill Ormsby answered:
David,

I have not seen many rent-to-own that turned into owning and be very cautious before you commit to anything long term.

Owning may be a better bet, especially on a fixed income, since the payment remain fairly stable except for changes in taxes and insurance.

I have worked with lenders that are well versed in FHA and VA loans with lower down payments requirements and also have experience using down-payment assistance programs. In some cases buying a home was actually less out-of-pocket than what it would have cost for the total move in costs for a new rental.

Let me know if this helps!

Bill
... more
0 votes 2 answers Share Flag
Wed Apr 8, 2015
Bill Ormsby answered:
VA loans are still assumable but the buyer must qualify. Depending on the age of the loan it may not make sense to assume when the currents rates are so low.

If qualifying is a challenge there are programs that can help Another option that is not frequently used is owner financing. There may not be as many home options but with work you can find them.

Explain your situation to an experienced realtor and they should be able to help you.

Hope this helps!

Bill Ormsby
... more
0 votes 4 answers Share Flag
Mon Feb 23, 2015
Jessica Monroy answered:
There isn't an answer to your question, without knowing the specific location you are interested in. You will need to check the CC&R's (Covenants, Conditions and Restrictions) of each condo complex. In general the CC&R's for Sun City can be found here... http://www.suncityhoa.org/wp-content/uploads/2013/05/SCHOA-CCRs-0425141.pdf . Paragraph 8 discussess animals. ... more
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Thu Feb 19, 2015
slharshman asked:
My criteria clearly stated that I was interested in 3 bedroom, 2 bath, yet I am getting listings for only 2 bedroom homes daily. How can I change this to listings for 3 bedroom homes?
0 votes 0 Answers Share Flag
Tue Dec 16, 2014
djennifer009 answered:
Exactly. It's just a safety precaution. Security precautions are smart even if you're not going to leave for the summer. I don't have anything on my door right now other than a deadbolt, but I'm looking at better security for my next house. | http://www.bondssecurity.com.au ... more
0 votes 5 answers Share Flag
Sat Nov 15, 2014
Marcy answered:
Homeowners (Houses) do not pay HOA's. Condos and townhouses do. We own a condo and our HOA is $113 per month and covers water, landscaping, outside pest control, and sewer and garbage along with exterior maintenance. Houses are responsible for all maintenance and fees of their property. Everyone pays the annual Recreation Fee of $456 which is for the use of the rec. centers and golf courses. Sun City has a type of home for anyone. It is a special place and we are so grateful to have found it. We are from Illinois. ... more
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Thu Nov 13, 2014
Pam Brewer answered:
Hi there,
Trulia and all other real estate internet sites pull ALL information, including photos from the local MLS. You'll need to contact the listing agent - and request the photos to be removed. Best of luck. ... more
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Tue Nov 4, 2014
Gary Birtles answered:
It really depends on what you want. There are positives and negatives in both scenarios. If you buy a home with a pool, you wouldn't have to worry about the installation process. If you buy a home and install a pool, you get to make it exactly how you want. Those are a few things to think about. As far as cost though, it really depends on the situation. http://www.bellarpools.com/pool-renovation ... more
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Fri Mar 28, 2014
answered:
Hi Geomartin!

I can help you with your financing; I do not have a minimum amount for an FHA loan. At $57,200, the up-front MIP will cost you approx. $965.97 and the monthly premium will be approx. $62.91.

If you take the sales price of the home and minus the 3.5% you will have to put down ($2,002), you get $55,198; multiply the $55,198 by 1.75% and you get $965.97 (upfront MIP); add the $55,198 + $965.97 (as you will finance your upfront premium) you get $56,164. To get the monthly rate you take the NEW loan amount of $56,164 multiply times 1.35% and get $758.21; divide that number by 12 months and get $63.18.

Hope this helped rather than confuse you. Call or email me with any questions or concerns you have and I will do my best to help.

Lisa Markham
Envoy Mortgage, Ltd.
NMLS# 947738 / AZ# 0921717
520.240.9602
lmarkham@envoymortgage.com
https://lmarkham-envoy.mortgagewebcenter.com
... more
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Mon Feb 24, 2014
wolfwuf1234 answered:
The resident fee is never waived. This money is used to keep Sun City in great condition i.e all the club houses gyms, pools, spas and now golf courses heen completely renovated so sun city amenities are as new or newer than surrounding over 55 communities.

Sun city is a great place to live and an investment in the future. This keeps us from becoming a dingy old community to a vibrant place to live!! Also we just put solar on all rec center and golf yard buildings which keeps our costs down and our yearly fees at a minimum.
... more
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Fri Jan 24, 2014
Nunger asked:
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