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Home Buying in 14221 : Real Estate Advice

  • All34
  • Local Info1
  • Home Buying14
  • Home Selling4
  • Market Conditions1

Activity 216
Thu May 2, 2013
Christine Greiner answered:
This could be difficult to find in Buffalo in this economic climate. However, there may be other options for third-party lenders. Give me a call, I would be happy to discuss with you! 716-480-8463 ... more
0 votes 2 answers Share Flag
Mon Mar 18, 2013
Keith Jean-Pierre answered:
It depends on your location, I would suggest speaking with an appraiser.
0 votes 0 Answers Share Flag
Tue Mar 19, 2013
Jacques Ambron answered:
A garage can add a lot of value. You should ask a local agent to give you a specific idea of value amount for your neighborhood
0 votes 1 answer Share Flag
Thu May 16, 2013
Anna M Brocco answered:
Contact a few local real estate companies and ask...
0 votes 2 answers Share Flag
Mon Feb 25, 2013
Anna M Brocco answered:
Why not simply work with an agent of your own; if purchasing with a mortgage, 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. ... more
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Sun Jun 9, 2013
Craig Wheeler answered:
It may take a few months Jeanette for you to see the payments reflect on your credit report and score. Have you contacted a mortgage broker yet? They should be able to give you a good idea if you can be Pre-Qualified for a home purchase. Also checkout Homefront in Western New York works in conjunction with First Niagara and M & T Bank. They have a first time home club that match's your deposits if you stay in the program. If you complete it they match it at 4 to 1 margin. It all goes to your closing cost's. The program can vary from 10-12 month's, in case you were looking to move quickly.

I also included a link for Homefront for you to check out. If you have any questions feel free to contact me.

Thanks
Craig Wheeler
Licensed Real Estate Associate
Keller Williams Realty
... more
0 votes 3 answers Share Flag
Thu Feb 21, 2013
Dan Tabit answered:
nini,
Congratulations on paying off your credit cards! I don't think anyone can put a time frame on your question, but I can tell you how to speed up the process.
First, don't close any accounts. Sometimes people believe that by closing an account once it's paid for that will help, but the opposite is true. Closing accounts limit your available credit and will lower your scores.
Next, continue to use your credit, but only for items you would otherwise pay cash for and pay them off every month. Credit is like a muscle, it must be used to get stronger. If you put the cards in a drawer and forget about them, little will happen to help you.
Pay everyone on time or early. One of the worst things you can do while trying to improve your scores is to have new late payments. If you need to set up auto pay with your bank, just don't forget to pay off the cards every month.
Next, save up all the money you can. Down payment and reserves (money left over after the down payment) goes a long way to get a loan approved. If someone is barely scraping by month to month, it only takes a couple of bad events to wipe out all your progress. Cars need maintenance & repairs, people get sick and miss work and run up medical bills, surprises are only surprises if we don't plan for them. By saving some money you will be prepared for that rainy day and if it never comes, you'll have a nice down payment for when you are ready.
Getting your credit scores (there are 3, banks use the middle one) is only one aspect of being ready to buy a house. Down payment and reserves are another but job stability is huge.
The longer you can stay with an employer the better it will look. If you do change jobs, the best thing is to stay in the same field and get paid more in the process. If you change to any position that has bonus or commission income, this will not count right away. Banks want to see up to a 2 year history of earnings before they will rely on this income.
I hope this has been helpful. Continue to do the right things and you may get qualified sooner than you think. Meeting with a local lender as the time nears, even before you are ready would be another good step to measure your progress and fine tune your steps.
... more
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Mon Aug 3, 2015
Gregory answered:
The loan payment should say 0 dollars for 3 years.
0 votes 6 answers Share Flag
Wed Dec 12, 2012
Sarah Jaskowski answered:
Happy to help! Been looking to start a partnership with an investor. Feel free to email me any time wnyrehome@gmail.com

Sarah Jaskowski
Keller Williams Realty
O: 716-832-3300
C: 716-867-3953 ... more
0 votes 6 answers Share Flag
Sun Oct 27, 2013
Anna M Brocco answered:
The question is subjective, therefore if unfamiliar with the neighborhood take the time and revisit areas of interest more than once and at different times of day; then determine where your level of comfort can be reached... ... more
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Sun Nov 25, 2012
Christopher Pagli answered:
Hi, You can have a local real estate agent pull the trends for the past few years to get the most accurate home values. As for crime and demographics you can visit www.HomeFair.com and click on the city reports section or visit www.SpotCrime.com.

Chris
... more
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Thu Nov 22, 2012
Joe Sorrentino answered:
Help can only come from your attorney. You will get many other agents here on this forumoffering you advise, especially those from out of the area who do not have the expertise and knowledge of NYS Real Property Law.

Short Sale properties are not for everybody and do require a great degree of risk for the buyer.Talk to the agent you had submit the offer AND, your attorney who reviewed the contract.

If it was me, I would walk before you spend another dime because, you may lose thousands and still not get the house!

Just my opinion.
... more
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Fri Jun 13, 2014
Robert & Lisa Measer answered:
The best thing to do is to find a Realtor that can help you along the way. Read my blog about first time home buyers. Then give me a call! 716-912-2915

http://www.realestatewny.com/five-tips-for-first-time-homebuyers-in-western-new-york/ ... more
0 votes 11 answers Share Flag
Fri Oct 26, 2012
Jacques Ambron answered:
You can negotiate a closing date far enough in the future to allow yourself time to find and close on a prospective property. A good agent should be able to facilitate this.
0 votes 9 answers Share Flag
Sun Oct 28, 2012
Sal answered:
TJ,
I may be able to help you out. Our listings for June are usually available a few months in advance.
Thanks,
Sal Zambito
716-553-6911
0 votes 3 answers Share Flag
Thu May 2, 2013
Anna M Brocco answered:
Contact a few local agents from different realty offices and ask for a cma, comparative market analysis; review the data, ask opinions and go from there...
0 votes 3 answers Share Flag
Thu Oct 4, 2012
Debbie Bond answered:
The best advice is to talk to a bank about your options, then they will pull your score for you. Though, you could go to freecreditreport.com to pull your own, but a lender would be able to tell you more about what your score would mean in terms of lending options. If you have other concerns, or need a mortgage person's contact information, please contact me at c21bond@gmail.com or 315-243-7504. ... more
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Thu Sep 27, 2012
Michelle S. Bullock answered:
The Erie County Clerk's office is open Monday through Friday (except court holidays) for real estate closings.
Michelle S. Bullock, Esq.
real estate attorney
716-318-9036
0 votes 1 answer Share Flag
Thu Sep 13, 2012
Nick Raczyk answered:
Hello, and thank you for your inquiry. I would be glad to discuss with you your real estate needs. Please feel free to contact me on my mobile (432-8502) at your earliest convenience. I look forward to your response, and discussing how I can best be of service to you.


Best regards,

Nick Raczyk
Licensed Real Estate Salesperson

Gurney Becker & Bourne
560 Delaware Avenue, Suite 200
Buffalo, NY 14202

716.432.8502 (mobile)
716.849-1234 (office)
716.849.0407 (fax)

www.gurneyrealestate.com/agents/35-Nick-Raczyk/
www.facebook.com/NickRaczykRealEstate
... more
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Fri Sep 14, 2012
Nick Raczyk answered:
There are many out-of-town investors who invest in Buffalo for a wide range of reasons, but primarily because of investment affordability resulting in positive cash flow. Of course like any region, there a variety of areas within Buffalo to invest depending on your investment objectives. For example, there are several colleges in the region that investors rent properties to students. But there also are upper-end and lower-end areas to invest as well (of course, you get what you pay for!). Recently, multi-unit properties have been in high demand - often competing among multiple offers. As for being canadian, I would suggest being able to purchase with cash. Financing for non-US citizens has become quite difficult. Property mangement would be a good idea as well. Attempting to manage properties, even one, from a remote location can be difficult - it's a long way down the QEW to meet a contractor to fix a leaking pipe! Hope this helps. Nick ... more
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