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11582 : Real Estate Advice

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Activity 82
Fri Dec 20, 2013
Joni Van Stavern answered:
Good evening nysecash,

There a a several in the area and I would be happy to show them to you.
You can also look in the, truila, your local newspapers ....

I can sign you up for a free listing book account at

As a realtor I can help you find exactly what you are looking for including if you have any specific requirements.

I hope this helps.

If you would like any assistance you can contact me at any time

Warmest regards,
Joni van Stavern
Century 21 Dallow
I promise alot and deliver even more......
... more
0 votes 8 answers Share Flag
Thu Mar 1, 2012
Tim Moore answered:
Most rent does not include utilities, while some do most don't.
0 votes 3 answers Share Flag
Thu Oct 20, 2011
Anna M Brocco answered:
Downpayment requirements are determined by the type of mortgage one qualifies for, therefore visit with any loan officer(s) beforehand; be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously. If you need loan officer recommendations, feel free to contact me directly. ... more
0 votes 5 answers Share Flag
Wed Oct 7, 2015
Jonas answered:
Hi Rainbow!

You should most definitely get a Realtor to represent you. It's FREE to you, the seller pays the buyers agent. Within the next day or so there will be plenty of great agents to assist you right here on Trulia. Don't worry, you don't have to look for them, they will find you!

Best of luck!

Jonas Mancuso
Remax / Lakeland
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0 votes 39 answers Share Flag
Thu Jul 4, 2013
Allen Bauman answered:
Please contact me to discuss your needs. I live and work in Valley Stream. You can reach me at the following.

Allen Bauman
Century21 Yve R.E.
Licensed R.E. Agent
NYS Certified Residential Appraiser
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0 votes 9 answers Share Flag
Sun Jan 9, 2011
Dallas Texas answered:
The deal is done all you are signing the paperwork for lender and transfer of title.

Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors
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0 votes 8 answers Share Flag
Sat Jan 1, 2011
Mark Cohen answered:
I am not aware of a first time home buyers grant in Florida.
There is a S.H.I.P. program in most counties that aids with down payment money for first time home buyers that in most cases must be eventually paid back. At this time funds are very scarce.
There is a Florida Bond program that aids with mortgages. At this time money is very scarce.
There is also Homestead Exemption which reduces the taxable value of your home if you use it as a primary residence.
An outright grant. No.
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0 votes 2 answers Share Flag
Thu Apr 23, 2015
Anna M Brocco answered:
You will need home owner's insurance by your closing to what to look for--much will depend on your needs--therefore, contact a few local insurance companies and ask for quotes based on your needs--then choose the insurance product that best protects/suits those needs..... ... more
0 votes 12 answers Share Flag
Thu Jul 4, 2013
Phil Rotondo answered:
To be quite brief, a short sale is a process where the owner's lender(s) agrees to the sale of the home for less that what is owed on the home. The final decision comes from the owner's lender(s) and the process could take anywhere from 2-12 months depending on a variety of issues. ... more
0 votes 15 answers Share Flag
Tue Nov 9, 2010
Karen Johnson Betty answered:
Hello Alaina,

My name is Karen Betty, i am a agent with Century 21/am homes in Valley Stream. The average price for a 1 bedroom Co-Op in Valley Stream is anywhere between $714 to over $1000 depending on the development. I have a listing in Valley Park Estates. The MLS # is 2325861. Price: $115,000. The maintenance is $714.53. Once you apply for the star program, the Maintenance will be $642. Take a look at it and let me know if you would like to see it. I do have the key to the unit so it is easy to show. I can be reached at (917)691-3734. ... more
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Mon Nov 1, 2010
Anna M Brocco answered:
Attorney fees do vary, therefore ask your attorney about what fees he/she charges, and or consider shopping around--as for the contract, any good real estate attorney will go over with all necessary details with you--therefore address any questions with him/her before signing. ... more
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Mon Nov 1, 2010
Anna M Brocco answered:
Tue Apr 16, 2013
Ralph Windschuh answered:
Well, if you have a good house inspector, he/she should be able to tell you more than me. However, a building inspection is intended to ensure the structural integrity of the home and make sure all the systems and appliances are functioning properly. Cosmetic issues - which you should have seen prior to making an offer - usually don't apply. The report issued by the home inspection should be a very detailed and comprehensive report and could be up to 75 pages long (or even more). Good luck and congratulations!

Ralph Windschuh
Associate Broker
Certified Buyer Representative (CBR)
Senior Real Estate Specialist (SRES)
Century 21 Princeton Properties
Top 2% of Century 21 Agents Nationwide
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0 votes 7 answers Share Flag
Tue Apr 16, 2013
Tammy Hayes answered:
The Contract
The way you make an offer is by signing a contract and paying earnest money. The contract doesn't necessarily obligate you to buy the house no matter what.

If the seller accepts your offer they'll sign the contract, and then you can proceed with having the house inspected and appraised. If they don't agree then they'll likely make a counter-offer, by preparing a new contract with different terms that they ask you to sign. The process repeats until you either have a contract signed by both parties, or the deal falls through because the two parties couldn't agree.

If the seller accepts your contract s/he'll take the house off the market. Then you won't have to worry about competing buyers while you have the house inspected and appraised to make sure it's really worth what you think it is. This secures your position as first in line to buy the house.

Get a copy of a standard contract right now so you can see what's in it and follow along easily. You can likely get a copy from the real estate commission website for your state. The seller's realtor will most likely use the standard contract used in the state you're in. If they've written their own contract from scratch, then get your realtor or an attorney to look at it to make sure there's nothing unreasonably disadvantageous to you in it.
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0 votes 11 answers Share Flag
Sat Aug 27, 2016
Barbara E. Nowak answered:

Sellers Concession helps borrowers pay for some or all of the closing costs. It works like this: suppose you agree on the price of the house at, say, $300,000. You then ask the seller for a 3% seller concession. What this means is that you add 3% to the price of the house. Now, the total purchase price will be $309,000. At the closing the seller is going to give you that $9,000 to cover all or part of your closing costs.
The adventage- no money or little money out of pocket for the closing cost
The Disadvantage - you will finance the sellers concession, in this example $9,000 for the life of the loan, meaning, you will pay interest on the $9,000

But - the house must appraise for at least $309,000, otherwise sellers concession will not be allowed.

Should you have any questions, feel free to contact me at any time.

Barbara E. Nowak
Real Estate Licensed Sales Person

Charles Rutenberg Realty
516-232-6658 Cell
516-596-8921 Fax
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0 votes 8 answers Share Flag
Thu Jul 4, 2013
Are you the same one who posted a question a few days ago? You can see from the answers that I have gien on Trulia that I know what I am talking about. I am a loan originator from a mortgage banking company based in Stamford, CT, however our Long Island office is in Garden City. I would be happy to discuss all options with you, and I am sure that you will be very happy with the service I provide, both in guiding you through the process, and the rate that you will get. You can contact me through my profile, or call me at 516-972-1687, however if you are going to call, wait until tomorrow afternoon so I can give you the time that you deserve. ... more
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Thu Oct 14, 2010
Anna M Brocco answered:
Yes, you will need an attorney to handle the contract details--also consider listing with an agent, if you need assistance feel free to contact me directly.
0 votes 2 answers Share Flag
Sun Mar 9, 2014
Anna M Brocco answered:
Without many details--As for selling your house for more than what it's worth--consider, would you buy a property if you knew you were overpaying--keep in mind that in order to establish a value, you need to be aware of comps--recently sold similar properties in the immediate area--review the data and make a determination as to a fair price; that information is also available to buyers, therefore highly unlikely someone will purchase over value--as for waiting--how long in the process are you with respect to a modification--if the modification is approved, will you still want to sell, etc. Feel free to contact me directly if you need assistance. ... more
0 votes 9 answers Share Flag
Tue Sep 21, 2010
Barbara McDermott answered:
Good Morning. There are 2 parts to every offer. The offer amount and the financial terms of the offer. In todays market, the financial terms are the most important. You can offer the seller full asking price but if the financials are not strong, your offer is not strong. A preqaulification is not a guarantee that the lender will give you a mortgage. The agent is doing his/her job by asking questions regarding your financials as this is all part of the offer. Remember what the goal is, the closing table..... ... more
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Thu Sep 30, 2010
Thomas Tolbert answered:
Shoumick, A local Realtor in your area should be able to help you with that information.
0 votes 5 answers Share Flag
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