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Wadsworth : Real Estate Advice

  • All23
  • Local Info1
  • Home Buying7
  • Home Selling1
  • Market Conditions0

Activity 17
Tue Jun 28, 2016
bobby_penrose asked:
I am the owner
0 votes 0 Answers Share Flag
Fri Jan 17, 2014
Tony Garcia answered:
Different lenders have different requirements. We go as low as 620 credit scores. We will follow automated underwriting as far as debt to income ratios are concerned (620 to 639 we have a max debt to income ratio of 43% with higher credit scores we have done debt to income ratios as high as 57%). You will be required to invest a minimum of 3.5% as a down payment. We also do manual underwrites for borrowers with no credit scores. Feel free to contact me if you have any other questions or if you are interested in making a formal application.

Tony Garcia
Sr. Mortgage Banker
Flagstar Bank

(O) 704-594-8549
(C) 571-246-4373
(F) 888-508-8464
NMLS# 224036
3420 Toringdon Way #210
Charlotte NC 28277
... more
0 votes 3 answers Share Flag
Wed Sep 25, 2013
Steve Carruthers answered:
According to the public records found using the property search on, the last transfer was for $117,500 on October 31, 2012. Transfer information for that property can be seen using the following web link by using the Property Search feature at the following website:

Hope this helps. Please feel free to contact me at 330-590-0328 if you have any other questions or are in need of expert real estate services.


Steve Carruthers
... more
0 votes 2 answers Share Flag
Wed Aug 28, 2013
Evamarie Harrison answered:
Thank you for your question: Market conditions , low inventory of homes for sale. This would be a wonderful time to put your home on the market as long as it is listing with the market and well cared for, never under estimate curb appeal and a great smell walking in the door of a home you may wish to buy.
Buyers should be aware that there are many multiple offers out there now, don't play games you may feel terrible when you find out someone was more serious than you. If you are looking for an experienced realtor (19 years) call me at: 330-338-3608 or email me at:
Evamarie Harrison,SRES
Senior Real Estate Specialist
... more
0 votes 3 answers Share Flag
Tue May 22, 2012
Vicky Chrisner answered:
I am assuming you have a contract on a house that you're trying to buy? Does the contract address this issue? Hopefully, I know most do. First, talk to your agent. Then, read your contract. Wish I could tell you more. ... more
0 votes 2 answers Share Flag
Fri May 11, 2012
Karen Wilson answered:
Please feel free to call our office, We are a Full Service Real Estate Company,
which also does property management. We would be happy to try to help you.
0 votes 3 answers Share Flag
Sun Oct 24, 2010
Kevin Olson, Jessica Laude answered:
Unfortunately no one knows what to expect next with the BOA short sales. I've seen the process take 9 months, and other times it was done in 2. The only control you have is making sure the Realtor is staying in contact with BOA to keep things moving along, but there is only so much the Realtor can do. With the situation, they can pull the plug anytime they want to, and since the sherriff's auction was cancelled that's better news than what most people get, however this could be because of the halt to foreclosures currently going on. I know you've been patient to this point, but the situation will require more patience on your part. If a few more months go by, another BPO will have to be ordered because the last one will be too old. These things are complicated, and there is no "normal" process to them. ... more
1 vote 2 answers Share Flag
Mon Feb 22, 2010
Janet Gommel - Howard Hanna answered:
Using a buyers agent in a transaction is the first step to being able to negotiate a fair value for the property of your choice. Your agent should be able to pull up comprable sales in the target area to substantiate your offer. Your buyers representative should also present the offer to the sellers and the sellers agent in person. Sometimes this is not possible due to sellers being out of town, a third party or bank ownership, etc. Many agents today have forgotten how to represent their buyer clients.

There are still some sellers out there that need or demand more than their home is actually worth in todays market. Those homes will not transfer to new ownership till that seller becomes realistic. But, with the right buyers representative you will know where to start and where to walk away as a sales price.

Janet Gommel - Broker - ABR - ePro
Howard Hanna
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0 votes 4 answers Share Flag
Tue Feb 2, 2010
Joseph Washick answered:
Hi Bob,

Yes, you can still qualify but you must BUY a home for your principal residence again and you must be under contract by April 30th, 2010 and close the sale by July 1st, 2010. The credit will be, as you know already, 6500- not 8000. By the way, it's only 3,250- credit if you are a married couple filing separate. There are other considerations too... income restrictions that Robin spells out pretty well below. (smile) ... more
0 votes 5 answers Share Flag
Tue Nov 17, 2009
Janet Gommel - Howard Hanna answered:
Each home that goes through the foreclosure process has different circumstances involved. This bank has a history of working with an asset manager to prepare the home for sale. If you contact a REALTOR they can put an automatic watch on the home if you are planning on purchasing it when it becomes available. When looking for a REALTOR, you might want to concider someone with a buyer representative designation. An ABR or Accreditted Buyer Representative is specially trained to assist buyers throughout the entire process. Thank you, Janet Gommel ABR-ePro. 330-242-2020 ... more
0 votes 3 answers Share Flag
Sat Jun 27, 2009
Creditlady answered:
Establishing some good credit will do more to improve your credit scores than paying off your old collections. However, you do need to pay off any judgements or leins, like income taxes.

You need at least 5 good tradelines (credit accounts). Let's assume you have a car payment and you are making those payments on time. Then that is one good tradeline. Maybe you have a student loan that you are making payments on. Then that would be another good tradeline. Good being that you are making these payments ontime every month.

Maybe you have a credit card for which you are making ontime payments. Then let's look at that credit card. Your balance needs to be no more than 35% of your credit limit. If it is, pay it down or you might even call and get the limit increased. You might also get another credit card and transfer a portion of the balance to the new card so that both cards have a balance no more than 35% of their limits.

Other types of credit that you might consider getting are retail store credit cards or gasoline credit cards. Just be sure to use well know companies that you are sure report to the credit bureaus.

The key is to make your payments ontime.

If you are in a position of having to establish new credit then it will take approximately six months for all of this to really kick in and begin to impact your credit scores in a positive manner.

Hope this helps. Stay your course and your scores will get better.

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0 votes 6 answers Share Flag
Sat May 23, 2009
Hi Dannika
VA loans are not your only option like some stated below...USDA is a great program. If you would like more information, please feel free to contact me at my direct office number (216-236-7266). We are located in Independence, about 10 miles outside of Cleveland. Also, check out our website at Good Luck!

Joshua Pick
Sr. Mortgage Consultant
216-236-7266 phone
216-236-7267 fax
... more
0 votes 5 answers Share Flag
Thu Mar 5, 2009
Susie Mcconzo answered:
Not a LOT of diversity, but becoming more so. I have to disagree with Mr. West (above) We moved to Wadsworth about 4 years ago, are definitely NOT affluent, and love it. Through and unusual circumstance, we rented a home in a very affluent subdivision. While I don't find the neighbors to be "neighborly" in the old fashioned way, they are pleasant. ALL the downtown merchants and people we deal with nearly every day are wonderful, very friendly, and just plain "folks". I will say that the town is very conservative, but then most of Medina county is (We are liberals, and still love it). ... more
0 votes 4 answers Share Flag
Thu Aug 28, 2008
Justin Taylor answered:
Depends on the State Laws where you live. In St. Louis it takes 3 years of not paying your taxes before they can sell it. Never a good idea. I would check your local tax laws.
0 votes 1 answer Share Flag
Fri Sep 21, 2007
Keith Sorem answered:
I realize that you probably did not think you'd receive so many questions. All you wanted was a simple answer, right?
You can looks up appraisers in Google, the yellow pages, etc. and have someone appriase your property. Fees vary, probably $300-$500, depending upon the custom of your area.
The reason we want to know why is that there are different types of value.

I'll give just one example:
An appraiser will use the closed sales of comparable properties to develop his appraised value.
Typically that means homes that sold in the last six months.
If the market is going up, the appraisal will probably be understated/
If the market is going down, it will be overstated.
If the purpose is for estimating the sales price, the sale will probably occur in the future, so although helpful,, it will probably not be as valid as discussing with a Realtor (for the purpose of selling your home))
... more
0 votes 3 answers Share Flag
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