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Home Buying in 31419 : Real Estate Advice

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  • Home Buying5
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Activity 75
Tue Aug 20, 2013
answered:
I would be happy to help you find what you are looking for. The fees will depend on what type if financing you do. You will have closing costs which are lender fees to squire the loan and pre-paids ( credit check and appraisal fees, pro-ration of taxes, etc). Everything really depends on your financing. Some condos are difficult to finance due to amount of actual owners and renters in the building. Townhomes are much easier to finance with most lenders. I can certainly direct you to a lender who can provide you with a good faith estimate which will be an accurate account of fees expected. Please let me know if I can help you in any way. I would be happy to send you properties that would work for you if you aren't already working with an agent. Thanks, Robin
912-655-2554
Robinsellssavannah@gmail.com
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Tue May 28, 2013
Simon Campbell answered:
Much has to do with the amount of down payment. I advise buyers to try to save enough to put down 20% and seek conventional financing.

Many new homeowners are looking toward the 3.5% down payment with FHA but there are changes that are coming in April 2013 that could make you pay thousands in extra fees.

New FHA borrows will need to have a credit score of at least 580 to qualify for the low down payment loan. If your FICO score is less than 580, you are not disqualified for a loan, but you will be required to put a minimum of 10% down.

Because you would be putting less than 20% down, you will be required to pay mortgage insurance. FHA has an upfront fee of 1.75% which is wrapped into your loan and a monthly fee of 1.30 % if the original loan amount to value is less than 95% and 1.35% if you put less than 5% down.

Typically, once you reach a 20% equity position, the PMI is removed. Not so with the new FHA loan changes. The insurance stays on your loan for the life of the loan. (Begins June 3, 2013)

For example, if you are paying $112.50 (borrowing $100,000) per month in mortgage insurance and you pay the mortgage for the full 30 years, you will have paid $40,500 for insurance that benefits the lender.

Make sure you weigh the long-term costs to the short term benefits before you go get a loan.
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Mon Mar 4, 2013
Vickie Linscott answered:
Garden City is a suburb of Savannah GA in Chatham County. As such, the properties would be subject to property taxes. However, the property prices are so affordable in Garden City, buyers should not be concerned about burdensome taxes. In fact, this suburb is one of the few where buyers can still get beautiful bungalows and ranchers for under $100k. I've sold many homes in the Garden City and Pt, Wentworth area for well under $75k. Both suburbs are located between downtown Savannah and I-95, making them convenient locations. If you are considering relocation to the Savannah area, let me know what your requirements might be and I'll tell you if there are other neighborhoods worth a look! ... more
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Mon Feb 18, 2013
Vickie Linscott answered:
The neighborhood you have selected is approximately 20 minutes from Tybee Island on a good day. The closest major intersection nearby is Skidaway and 52nd Street. Therefore, a straight shop north on Skidaway to Victory Drive is about a 5 minute endeavor and then east on Victory to the ocean! If you are looking for similarly priced property a little closer, I'd be happy to assist you. ... more
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Mon Feb 18, 2013
John Hamson answered:
HOA Fees for 2013 are $1550 and may be paid monthly/quarterly/annually.
Joining the Landings Club is not required when living in the community and there are several
membership levels(social/tennis/golf to name a few).
Property taxes are determined by Chatham County and vary widely based on the home's assessed value.

John Hamson
Prudential SE Coastal Properties
912-655-0585
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Wed Feb 13, 2013
Michael Hammond answered:
Sat Jan 12, 2013
Johnathan Kenyon answered:
Thank you for your question. This question is going vary on the area in Savannah you are looking at. Which areas are you interested in in Savannah? This way I can get you the bestanswe possible.

Johnathan Kenyon
Heather Murphy Real Estate Group
Keller Williams
912-665-2941
Johnathankenyon@gmail.com
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Mon Jul 27, 2015
Tom Sharpe answered:
I have a beautiful 4 BR, 3 BA, 2,464 SF home in excellent condition on Jackson Woods Blvd in Savannah which could be acquired through a lease purchase transaction. The sales price is $345,000 and the monthly rent is $1,800. Please contact me for more details if interested. 912.247.4112. ... more
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Wed Jan 9, 2013
Trisha Cook answered:
The best answer to that question is really "it depends." Sorry to sound so vague but avg days on market varies a lot by the price range of the homes. Other factors that could also be a factor include property condition, if a home is "priced right" or below market value or above market value. The Richmond Hill market is also a lot different than the Savannah market.

I'd love to talk to you more in depth about each of these markets and other specifics. Feel free to give me a call or send me an email. Thanks

Trisha Cook, REALTOR
Keller Williams Realty Westside
(912) 844-8662 cell
trishacookrealtor@gmail.com
www.greatersavannahhomes.com
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Wed Dec 26, 2012
Vickie Linscott answered:
The HOA fees at Putters Place are currently $125/month. This fee covers exterior maintenance, which includes lawn care, an annual exterior power wash, periodic painting of doors and shutters, and also an escrow for roof replacement. The fee also covers trash pick up and a termite bond. Moreover, the townhome community has a pool and the fees cover the maintenance and "pool man" service. I live in one of the townhomes and can answer any other questions you might have. ... more
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Tue Dec 4, 2012
Lee Taylor answered:
I placed the hyperlink to the Savannah, GA Trulia Pros list in the web reference - connect with someone who knows what you are looking for in my birthplace city...

So, who's your Atlanta agent?

What exactly are you looking for in Georgia?

When was your most recent visit to Georgia to work on your real estate business?

How many Georgia properties do you currently own?

How many of these do you want to own?

When do you expect to have your Georgia real estate goals met?
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Mon Dec 3, 2012
Erin Donohue answered:
From what I tend to see with our rental properties, the duplexes tend to stay pretty full with quality tenants and a high pricepoint. Many of our clients tend to buy in the Victorian area just past of Forsyth and around that perimeter. The average renter is a SCAD student or young professional. That might be a good starting point for you. It tends to be harder to fill some of the units closer to the river due to price & demand. As a landlord the SCAD/young pro market is just tough to beat. ... more
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Mon Dec 3, 2012
Johnathan Kenyon answered:
There are different districts of downtown Savannah. Here are some links that should lead you to information you require.

http://www.myhsf.org/advocacy-education/arc-packets/
http://www.myhsf.org/category/districts/

As it has been put to me, if it wasn't the norm when the house was built you can't put it there. Structure, paint etc

Please feel free to contact me with any more questions.
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Mon Nov 12, 2012
Michael Strickland answered:
I understand that we are allot less expensive compared to Fl.
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Fri Nov 16, 2012
Joe Iannacone answered:
Good Morning! You've come to the right place I deal with Home Steps and can work with you to find a home in the Savannah area . Your first step should always be getting Pre-Qualified for a loan. Are you currently working witha a bank or mortgage broker? That way you can establish what your price range for your home can be. Next do you know where in the Savannah area you are looking? Please cotact me and we can get you started on looking for just the right Home Steps home in our area! Joe Iannacone Keller Williams Reaty 908-930-3247 or joei@kw.com ... more
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Mon Sep 10, 2012
answered:
The listing is showing that the property is completely rented at this time. The mls comments showed that all four of the units were completely occupied at this time. I would be happy to help you find what you are looking for if you aren't currently working with an agent. Please let me know how I can help you. Thanks, Robin
robinsellssavannah@gmail.com
www.robinarrow.com
Robin Arrow
RAWLS REALTY
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Wed Sep 19, 2012
Anna M Brocco answered:
Keep in mind that square footage pricing does vary, and doesn't account for location and other considerations; therefore, it's really in your best interest to also review closed recently sold similar properties in the immediate area, and their final sales price... ... more
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Sun Sep 2, 2012
answered:
836 Maupas Street is currently under contract and has not closed yet. Many times listings will show differently to the public as you are looking at sites that are dated. Realtors can look at the current inventory through the MLS. The other sites get their listings from the MLS system and sometimes you will have outdated information hanging out there for long periods. I would be happy to help you find what you are looking for if you aren't currently workin with an agent. I can be reached at robinsellssavannah@gmail.com
Robin Arrow
Rawls Realty
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Sun Sep 2, 2012
answered:
Getting Pre-Qualified should be your very first step in the home buying process. It is the only way for you to find out your options. To get Pre-Qualified you purchase, you can submit your request online at www.rodneymason.com.

As one of the largest direct lenders in the country, Prospect Mortgage offers one of the largest selections of loan programs available. In addition to the standard conventional, FHA, VA, USDA, and Jumbo, we also offer a wide range on Renovation loan programs. Our Renovation programs include FHA 203K (Streamline & Consultant), HomePath Renovation, and HomeStyle Renovation. In addition, we also have an FHA 580-639 FICO program for borrower with previous credit issues.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle® Renovation | VA | USDA | GA Dream | Jumbo Financing
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Mon Aug 13, 2012
Peter Nelsen answered:
Evening Brandon,

The biggest issue that may arise would be the FHA appraisal. They require a FHA Appraiser to evaluate the home for compliance and with a short sale you may run into mandatory FHA repairs and because of a short sale the Seller might not have the funds to correct the necessary defects for funding. Depending on the lender, this may be a short delay for approval or a long delay. Basically, if you are FHA on a short sale, have plenty of time before you need to move in or funds for mandatory repairs, because you may need all you can get of both to close the deal.

Best of luck,

Peter
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