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53226 : Real Estate Advice

  • All10
  • Local Info0
  • Home Buying5
  • Home Selling0
  • Market Conditions0

Activity 9
Wed Sep 14, 2016
Tim Vandeville Jr answered:
Without knowing all the details it is hard to know for sure, but your fiancé has great credit and your score is good enough to qualify. Your income seems strong, so it depends on what is on your credit and your debt to income. I would love to give you a referral to a local lender. Call or text me, 262-865-4282 ... more
0 votes 1 answer Share Flag
Sat Nov 14, 2015
Harjeet Bhatti answered:
Good Morning
We do offer financing for 620 credit score. Credit score shouldn't be problem. You have 20% down payment which is also a positive factor. Income and debts should stay in certain ratio according to products. I would like to have more information if you can email me.
hbhatti@homebridge.com
... more
0 votes 4 answers Share Flag
Thu Aug 13, 2015
Josh Lund answered:
Hello Lalahony38,

Good afternoon.

Caivrs will be run all persons in the transaction.
I might be too late, but are you still in the market to buy a home? If so, I would love to see if we can help you out. We work with 1st time home buyers all the time. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 6 answers Share Flag
Thu Aug 13, 2015
Josh Lund answered:
Hello Vpetersonjr,
Good morning.

I might be too late but wanted to see if I could offer you help. You can YEs buy a home with just on person, and not include the spouse. ( however you might want her for income. ) Are you still in the market to buy a home? If so, I would love to see if we can help you out. We work with 1st time home buyers all the time. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 3 answers Share Flag
Wed Aug 12, 2015
Josh Lund answered:
Hello Desmond,
Good afternoon.
I might have missed out on helping you, but thought I would still ask. I can do loans with No tradelines, and credit scores down to 600. Are you still in the market to buy a home? If so, I would love to see if we can help you out. We work with 1st time home buyers all the time. Do you have a realtor yet? If not we have preferred ones we can get you in contact with. I would like to see if I can help you out with a home mortgage. I will try and make this a very easy process. Please let me know how to help out.
Thanks much.
Josh Lund
MN District Branch Manager
NMLS # 387408
Gold Star Financial Group
Mobile: 612.802.3265
Office: 952.884.5442
eFax: 877.666.0007
jlund@goldstarfinancial.com
... more
0 votes 9 answers Share Flag
Wed Feb 1, 2012
April Hayden-Munson answered:
Hi George,
In my opinion you ABSOLUTELY need to build the 2 car garage. I have sold many homes with 1 and 1.5 car garages and my experience has been that they sell for significantly less than the 2 car garage properties in the same neighborhoods! The recent pricing I've seen on 2 car garages is $8 - 12K. If you need a referral for a great contractor feel free to contact me. Yard size is important so keep that in mind when you put the garage in, don't use up all the yard. The people who use up an entire yard with garage or pool really limit the number of buyers that will be interested in the property at a future date.
Good luck!
April
... more
0 votes 6 answers Share Flag
Wed Sep 28, 2011
Rudy McDowell answered:
Best person to answer that is your accountant. If you don't have one, do a phone or live chat inquiry with your tax preparer software provider.
0 votes 4 answers Share Flag
Wed Apr 28, 2010
Linda S. Cefalu answered:
Cliff,

I'm sorry to say that in part you are correct. There have been many dishonest people involved in the housing crisis. And if you are a victim of that, I want to take a moment to apologize for them, since I'm reasonably sure you will not get it from the actual perpetrators. Keep in mind that much of the housing crisis started in a place where agents and lenders really had little to no control. If you want to blame someone, blame the mandates that gave anyone cart blanche' to obtain a mortgage as long as they were living, breathing and stood upright.

When the government said every American has a right to own a home and put into place the following, down we went:

To see the different types of loans that the lenders were required to offer, check out my Blog Post. I am going there to enter this information as I think it might help clear up many of the comments and questions we continue to get on this subject.

Linda



That said, please stay with me a moment. When you go to a bad doctor, you don't write them off as all bad or any professional for that matter.

But............please don't put all of us in the basket. Pull out the few bad apples instead.

I sat in closings and begged my clients not to go through with the mortgage terms that were presented to them on the day of closing after being told, "We have a slight problem. We couldn't get the loan we told you about, but the good news is that we can still close." I was shocked and a bit nieve. But I want you to know that the MAJORITY of agents and lenders that I have worked with are honest and do very much care about their clients.

It might help to know that as a direct result of some of the actions of a few, there have been several laws put into place to once again protect the consumer. And I for one am getting really weary from having to jump through all the hoops and have 3 inch thick files because of those actions.

And lastly, let me point out that when an agent offers referrals to a client, their reputation is on the line, so we don't do it lightly. If you have a trusted agent, chances are you'll have a trusted lender. And "Realtors" as you put it are held to a much higher standard than an agent. So................next time you are in need of service, whether it be to buy or to sell, find yourself a Realtor® and check them out thorougly before signing anything!!!
... more
0 votes 9 answers Share Flag
Tue Apr 13, 2010
Robin Silverberg answered:
Donna and Dick, you are slightly incorrect here. The upfront MIP did you up, and it went up to 2.25%. However, the monthly MIP is lower than what PMI would be if you are anything over 85% financing, so when you say their MIP is higher, that is a bit misleading. There is no up-front PMI on a conventional loan.
Other than that, the answers you have received are correct.
... more
0 votes 6 answers Share Flag
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