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Home Buying in 06516 : Real Estate Advice

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  • Local Info2
  • Home Buying11
  • Home Selling9
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Activity 32
Tue Apr 16, 2013
Julie Traver Lucia answered:
Hi Vener, I would be more than happy to list it for you, please contact me at your convenience, Julie Lucia, Realtor, Coldwell Banker Realty 2000, 203-578-5631, julie.lucia@att.net
0 votes 1 answer Share Flag
Sun Aug 26, 2012
Tara Stirk answered:
Hello redbow,
I have many clients running in to the same problem. What the banks really want to see is 30% equity in your home before they will allow that rental income to be used. Which, as you stated you owe more than what your home is worth so that doesn't work for you. I have what may sound like a silly questions but did you have your children when you bought your home in West Haven? I work with a wonderful mortgage officer who told me that there "may" be a chance for him to fight the banks if he could prove that my clients are making a move for a significant reason, "better school system, ran out of room" etc. That is why I ask you the question about your children. If you bought the house in West Haven when you already had your children it may be harder (however, you can always fight that the ranking of the district has decresed to 158th in 2012 from 154th in 2011 and 149th in 2010). However, if you didn't have your children yet when you bought the house this may be a fair fight.

Unfortunately, it may be impossible for you to use your rental income; believe me I wish I had better news for you. Have you thought about renting in a better district? You may have to do that until you can show your rental income history. Hope this helps and I am sorry I didn't have the perfect news for you. Feel free to contact me if you would like to discuss any more or if you would like to talk to the mortgage officer I work with.

Tara Zegarski-Stirk
203-650-3180
... more
0 votes 4 answers Share Flag
Wed Jan 2, 2013
Kimberly Bailey answered:
Hi,

The cost would depend on if it is a full bathroom or a 1/2 bathroom- which are you thinking of adding?

Kimberly

KIMBERLY BAILEY
WM RAVEIS R.E.& HOME SERVICES
709 BOSTON POST ROAD
MADISON, CT 06443
Office: 203-627-6126
E-mail: baileymadelungk@raveisre.com
... more
0 votes 2 answers Share Flag
Fri Aug 24, 2012
Cassandra Ritone answered:
A lot of mortgage lenders now require a minimum of 640 to obtain a loan. I do see that you are located in CT, so give Justin Hardgrove a call (the mortgage broker my own family uses) and let him know I told you to call. His number is 860-426-9677 or 860-202-7740. You can also email him at jhardgrove@mortgagemasterinc.com. Once you get a pre-approval, I can take you out to see a few properties. Sign up on my page for property alerts! Click below. ... more
0 votes 2 answers Share Flag
Thu Jul 5, 2012
Cassandra Ritone answered:
A lot of mortgage lenders now require 640 as a minimum credit score. Are you located in CT?
0 votes 6 answers Share Flag
Thu Jan 3, 2013
Julie Traver Lucia answered:
Hi Janel, I would love to do some comparatives for you. It is hard to tell what will happen in the future but with the mortgage rates and prices at an all time low, it is definitely a great time for a first time home buyer as yourself to purchase a home. That is great area in West Haven and close to the water too. The newer the home, the more the taxes will be. Please contact me to assist you further, Julie Lucia, Showcase Realty, 203-578-5631; julie@julierealestate.com ... more
0 votes 3 answers Share Flag
Tue May 15, 2012
Phil Rotondo answered:
Can you be more specific?
0 votes 1 answer Share Flag
Wed May 23, 2012
Minna Reid answered:
Well that would generally mean you are getting an approval letter. That could take a few hours...or a few weeks.
0 votes 2 answers Share Flag
Sun Aug 5, 2012
Tara Stirk answered:
Corey this home closed on 06/15/12 for $196,000. If you are still looking to buy I am happy to send you over listings. Sorry you didn't have a respond to your question.
0 votes 1 answer Share Flag
Wed May 9, 2012
David Carr answered:
You do not have to wait for an open house, just call me and we will work together.

Since 1996 I have consistently represented Buyers or Sellers of Real Property in the New Haven and Fairfield Counties of Southern Connecticut. I have successfully managed and/or marketed purchase and /or sales transactions in the following areas of specialty. Single Family, Multi Family, Investment, Land with As Builts, Market Analysis with Broker Price Opinions (98% List to Sell Ratio) Bank Owned Property Asset Manager, Short Sale Expediter

As a Full time REALTOR®, I provide people Licensed Buyer Agent Representation, enhanced by my previous experience, the Coldwell Banker organization, and my unwavering commitment to you. I work full-time to assure your success in the local real estate market.

As your Licensed Buyer Agent I will:
a) Represent your best interests at all times.
b) Keep your financial and negotiating positions confidential.
c) Help you buy the best home at the best comparable price. Your offer to purchase will be supported by my essential market value analysis.
d) Help you negotiate the home inspection and required notifications.
e) Update you on all NEW MLS properties available, regardless of seller.
f) Arrange all showings so you don't have to deal with other agents.
g) Help you complete Sales Agreements and associated documents to manage your transaction seamlessly. The terms we propose will be unique to your situation and will support your best interests.

Copyright 2012 by David Carr. All Rights reserved

You should understand the different roles real estate agents play, and whom they represent. Connecticut enacted Buyer Agency law in 1997 to support and educate purchasers of real property. This law change attracted me to the profession. There is no cost to you for me to be your Buyer Agent as my fee is paid by the seller.
... more
0 votes 2 answers Share Flag
Wed Jan 2, 2013
Dan Ross answered:
You need to talk to a mortgage broker. With some payment history from bills, you may qualify, but only a lender can say for sure after looking at your whole situation. If you don't already have a good broker, I suggest contacting Justin Hardgrove. (860) 202-7740. He is very knowledgable and good at what he does. If anyone can get you a loan, he will.

If you need any assistance finding a home, feel free to contact me dan@danrossre.net

Good Luck

Dan
... more
0 votes 5 answers Share Flag
Fri Oct 28, 2011
Maria Gilda Racelis answered:
CHFA is the acronym for Connecticut Housing Finance Authority since you live in the state of Connecticut.
I recommend that you meet with a mortgage loan officer to discuss your options. There are pros and cons to every loan and it is only through consultation with an expert on this field that you can understand what type of loan fits best your needs.

Best.

Maria
... more
0 votes 4 answers Share Flag
Mon Sep 17, 2012
Elena Krichevsky answered:
Hi. You need to be pre-approved for a mortgage. If you paying with cash just go ahead and give the offer.
0 votes 6 answers Share Flag
Wed Oct 26, 2011
Marcus Santore answered:
Is that a serious question? Not really sure what you mean by that. Certainly, if you have the money or the financing in place!
0 votes 4 answers Share Flag
Wed Oct 26, 2011
Ron Thomas answered:
You may certainly have an Inspection done before you make an OFFER:
You would have to request this with the Seller, through his Agent.

I have seen these General Inspections run $300 to $500.
Do not expect the SELLER or the Bank to pay for this; and if it came out negative, and if you chose not to buy the house, do not expect to lay it off on them.

This is YOUR thing, and YOU are choosing to do it this unconventional way.

You will probably find that the Seller knows about the problems, and have prices the house accordingly.
... more
0 votes 8 answers Share Flag
Thu Apr 7, 2011
Ingrid Lambert answered:
I'd be happy to provide you with more information about West Haven. There are many affordable homes available and I can provide you with information on nearby schools (public/private) & homes, depending on what you're looking for. Call me at 203-239-4663 ext. 139 or email me at ingridlambert@prudentialct.com. I hope you had a great Valentine's Day!! ... more
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Mon Feb 14, 2011
Yan asked:
0 votes 0 Answers Share Flag
Mon Dec 27, 2010
Chris Jahn answered:
Hi, Unfortunately, 78 Alling St Ext is currently on deposit. However, I can let you know if the deal falls through if you want to send you email address. I'd also be ale to help you with something else if you're interested. I see great deals like this on a regular basis. Let me know. Thank you for your consideration. - Chris Jahn (203) 809-8454 COLDWELL BANKER REALTY 2000
email: cjahn@cbrealty2000.com
... more
0 votes 1 answer Share Flag
Sun Sep 12, 2010
Marley answered:
Hi SeasideSam:

This house is in the mls as closed in 2/26/10 it sold for $171,400. If you want to receive current listings I work with buyers in the new haven county areas, and would love to send you current listings on properties. Let me know if you are interested.

Email me marleyayhens@prudentialct.com
... more
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Fri May 21, 2010
John Poulsen answered:
Hello Osvaldo,
You can call by my first name, John. I am sorry to say the 467 3RD ave. house you were looking at is off the market because it has taken a deposit yesterday according to our MLS. Unless you are the person who put the deposit on it you missed out on this property. I would be more than happy to try to find another to invest in but we would have to meet so I can get familiar with your situation. Feel free to call me at 203-494-9830. If you are currently under contract with another agent please let me know and you should contact them for assistance, otherwise give me a call. ... more
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