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06503 : Real Estate Advice

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Activity 86
Fri Aug 17, 2012
Frank Alvarado answered:

I would like to help you find your next home, Visit my Trulia profile and contact me if you would like more information on the home buying process. I have helped many clients buy and sell properties.

I look forward to speaking with you.

Frank Alvarado
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Fri Aug 17, 2012
Teresa Fripp answered:
The assessment value is usually lower than the market value of the home, however the market value and asking price should be close in price.
0 votes 4 answers Share Flag
Tue Aug 7, 2012
Sally Grenier answered:
Step 1. Contact a local Realtor.
Step 2. Get prequalified with a lender.
Step 3. Give your Realtor the address you're interested in.
0 votes 1 answer Share Flag
Wed Sep 26, 2012
David Carr answered:
Call me, I will be sure you have excellent financing and will review the neighborhood values with you to help you make a good decision, now or in the future.
0 votes 4 answers Share Flag
Thu May 17, 2012
Bennett J. Streets answered:
When considering crime as a factor in home buying I recommend that you first start with the local police station. They would have the best answer towards the details of your concern. An area listed as ... more
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Sun May 6, 2012
Anna M Brocco answered:
When it comes to any safety/crime related issues, it's always best to contact the local police department with all your questions, hear all there is to hear firsthand. If unfamiliar with the area(s) do revisit more than once and at different times of day, possibly chat with locals/neighbors. Real estate professionals are prohibited from steering, enticing a buyer to purchase/rent, or not, in specific neighborhoods.
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Thu Aug 30, 2012
David Carr answered:
Nobody knows that but the banks and the home occupier(s), it's the wildcard....Connecticut fares better in historical ratios of forclosure activity than 33 of 50 states in the US...... up to today.............the real issue is the value of home owneraship to You at this time based on your plans, lifestage, life style, income and resources. Everybody allocates a percentage of their income for housing/food/etc...........You have to decide that equation, a very personal choice that I help you evaluate if your are my client ... more
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Sun Apr 14, 2013
Tim Moore answered:
FHA just means it is partially guaranteed by our tax dollars. Banks, lenders, mortg brokers all compete with each other and interest rates will vary for one to another and from day to day. ... more
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Thu Dec 6, 2012
David Carr answered:
Too much to post .........I have a yale homebuyer right now, and a CHFA originator I work with if you want more info............CHFA can be 100% financing.........Dave 203.654.2905
0 votes 4 answers Share Flag
Mon Apr 23, 2012
Jeff Granoff answered:
Hi, Jeff Granoff here, from GRL & REALTORS, in New Haven. The reason the monthly fee is higher than expected for a condo is because it also includes heat, hot water, and property taxes. In addition, 40% of the monthly fee is tax deductable. If you have any further questions, please feel free to contact me. My phone is 203-494-1337. There are several units currently available. It would be my pleasure to help you find a new home. ... more
0 votes 3 answers Share Flag
Tue Apr 17, 2012
Joe answered:
Please only respond if you understand the specific New Haven market.

Thank you to all you out of towners, don't stop assisting us idiots, but I need local help here..
0 votes 9 answers Share Flag
Wed Apr 18, 2012
Michael Emery answered:
Well I must be the worst agent in the world. I advise my clients to spend less than what they're qualified by their lender. My advice is always spend as much as you are comfortable with knowing you will be making payments for the next 30 years.

I would caution you about taking home buying shows with a grain of salt. Many of them are partially scripted. And the most popular show 'Househunters' is an outright twisting of the truth. In fact the 'buyers' have already bought a home and they're being shown comparable homes. But for the sake of TV the outcome is known even before they shoot one foot of film.

And for every $1,000 more a buyer spends on a home, the agent profits approximately an additional $10 to $20. And the home STILL has to appraise, the homeowners have to qualify and the underwriter has to approve it all.

Just remember, in the end the decision is yours as to how much you should spend. And if you have an agent that doesn't understand, find another agent.
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0 votes 17 answers Share Flag
Wed Apr 18, 2012
Julie Traver Lucia answered:
The assessed value is usually 80% of the appraised value. Depending on the area, condition and age of the home should all also take a play in the pricing of a home. I would be more than happy to assist you further on your home search and do a free comparative market analysis of the homes you are interested in. Julie Lucia, Realtor, Showcase Realty, 203-578-5631 ... more
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Wed Mar 7, 2012
Cedric McNeil answered:
My best suggestion is to use a mortgage broker. They typically work with a large number of lenders and can usually shop rates. When your credit is pulled an inquiry is noted on your report, when you are mortgage shopping among lenders whithin a short period of time the multiple inquiries for a mortgage usually don't count against you.

Get in touch I have a few excellent brokers I can suggest.
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Wed Apr 18, 2012
A answered:
Call Joann Flanagan @ 203-592-1333 she can give you great advice on the mortgage process and very good rates also?
0 votes 4 answers Share Flag
Wed Mar 7, 2012
Abu Musa answered:
PMI needs to be paid by borrower if down payment is less than 20%. You may read my blog about PMI.
0 votes 7 answers Share Flag
Sun Feb 19, 2012
Cedric McNeil answered:
Hello RJ,

There are a lot of options available. There would be much more criteria needed on the home that will suit your needs to even begin.

I suggest you seek the assistance of a Realtor that is familiar with the area such as myself. Give me a call if you need assistance.

Cedrc McNeil
Keller WillIams
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Wed Apr 25, 2012
Vicky Chrisner answered:
Sounds like you're not comfortable with the dual agency issue, and to be honest I am not a fan of it. Tell her you do not agree to it. I know in VA that is an option of anyone - everyone is entitled to their own agent. Tell her you want to have separate agents so you can have the agency representation you're paying for. This is the kind of market where that is understandable. ... more
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Tue Feb 14, 2012
Don Tepper answered:
What sort of litigation?

There are some types that are pretty certain to be resolved, and can be resolved fairly quickly.

There are other types that could drag on for years.

You need to get a fairly good idea where along that spectrum your house falls. Best place to start is your Realtor.

Hope that helps.
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