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45423 : Real Estate Advice

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Activity 148
Wed Jan 9, 2013
Christina Cavins answered:
It varies in Montgomery County by neighborhood but the area average is 132 days on market.

Christina Asad Edwards, REALTOR
Cell/Text 937-205-4741
Office 937-540-2BUY (2289)
Search homes for sale at http://DaytonOhioHouse.com
Home Experts Realty
... more
0 votes 2 answers Share Flag
Sun Jan 13, 2013
Donna Knauer answered:
This is a bank owned property and they will not do a Land Contract.
0 votes 4 answers Share Flag
Mon Jan 7, 2013
Donna Knauer answered:
At this point, there are still a few condo associations that are on the approved FHA list, but the growing trend overall is going towards conventional financing on Condo's. Currently in your zip code there are 21 active condo listings (average of 134 days on market), 4 pending listings (average of 183 days on market) and 21 solds (in last 6 months) with average of 150 days on market. The only other two options, if your condo does not sell, are renting it out or offering a land contract, but you need to check your condo association to see if you can even use either of these options.

The regulations have also changed for residential financing, so check to see if you qualify based on your debt to income ratio, before selling your condo.
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Sat Jan 5, 2013
Todd Scheid answered:
Unfortunately not, the bank must see you have a hardship and they will not allow the seller to net anything because they are already taking a loss so any $$ available must be paid to them. It would be defrauding the lender if the seller walked with any cash. The good news is that your credit will be less affected by the SS rather than a foreclosure.

Sincerely,

Todd Scheid
Todd@ScheidHomes.com
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0 votes 5 answers Share Flag
Thu Jan 3, 2013
Scott Godzyk answered:
You may want to call or email the listing agent direct, they may not see your question here,
0 votes 1 answer Share Flag
Tue Dec 4, 2012
Grace Siefer answered:
No, this house has not sold, it expired in the MLS, its not a repo or bank owned, it has a tenant living there and they are expected to move out by end of January. If you do not have a Realtor working for you, I would love to work with you, I can try to contact to owner to if they will be listing it again soon.
If you would like me to work for you, please email me at grace.siefer@coldwellbanker.com or you can call me any time at 937-554-5159 texting is fine as well.
Hope to hear from you
Grace Siefer
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0 votes 4 answers Share Flag
Fri Nov 30, 2012
Alison Hillman answered:
That's a good question! You should work directly with the listing agent who can help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an agent, just click on the yellow button on the property's Trulia listing and you will be able to start a dialogue.

Please let me know if you have any questions or if I can help with anything else. I am happy to be a resource for you. Good luck with the search!

Best,
Ali, Trulia Voices Community Manager
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0 votes 2 answers Share Flag
Thu Dec 6, 2012
Alison Hillman answered:
Hey there-

Have you worked with an agent yet? They will be your best bet to help answer this question, get started here: http://www.trulia.com/voices/directory/Dayton-agent--11474


Ali, Community Manager
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Mon Oct 22, 2012
Gary & Cristal Kremer answered:
Mon Apr 29, 2013
Daniel Alvarez answered:
Do you have a capital one credit card?

I was able to boost my score by 20 points within 3 months just by accepting the card, using it once, and then paying off the entire balance.


This strategy, however, might work against you if your average credit history (between all your trade lines) is less than 2 years or if you've applied more than 3 times for credit within the last 12 months. Hard credit inquires will knock your score down a bit, but those effects are temporary and usually moderate over time.

For localized assistance and support, this looks like your best bet:

http://www.homeownershipdayton.org/

Good Luck and hope it all works out for you.
... more
0 votes 4 answers Share Flag
Wed Jun 17, 2015
Trevor Curran answered:
Good morning bdremployment,

Many Lenders today require a minimum credit score of 640 to qualify for mortgage financing. If your credit score is less than 620, this is BAD credit.


It is unlikely you could be approved for mortgage financing with that credit score at this time.

Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.

First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.

I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://www.consumer-action.org/


Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm


The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.


Trevor Curran
NMLS #40140
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0 votes 7 answers Share Flag
Tue Feb 26, 2013
Teresa Luther answered:
Unfortunately, this is a question for a mortgage broker. Find a bank that you like and sit down with the mortgage department to get prequalified. It will make the buyer process easier as sellers will recognize you as a serious buyer. ... more
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Wed Apr 10, 2013
Bob Voge answered:
Most banks won't/can't accept offers util the property has been listed.

Bob Voge
0 votes 1 answer Share Flag
Wed Oct 17, 2012
Tim Moore answered:
If you know who the listing agent is then you are in a good position since the bank will get the agent to do some ground work. They will be asked to value the house, get estimates, clean it and do other things needed. The agent could make a suggestion to the bank to allow your offer to be heard or to suggest the bank sell it as is and then you could make an offer. It would seem likely the bank would still allow others a time to make offers too, they will be curious to see if others out bid you. ... more
0 votes 2 answers Share Flag
Fri Aug 23, 2013
Doug Wagner answered:
Kathy-

Due to newer privacy laws, individuals can no longer inquire about a particular property's utility costs with the various utility providers. That information needs to come from the property owners. The listing agent or your buyer's agent should be able to secure that information on your behalf. ... more
0 votes 3 answers Share Flag
Tue Oct 9, 2012
Scott Godzyk answered:
Your best bet is to meet with a local and trusted loan officer who can prequailify you at no cost and after looking at your credit and financials let you know if there is a mortgage program you quailify for. The poorer the credit the more you may need to put down. the only way to tell is to meet a loan officer though. ... more
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Thu Oct 4, 2012
Debra (Debbie) Rose answered:
you want to know if you can cancel the sale AFTER the closing?

Well, I know I am in NJ, not Ohio......but I am going to take a guess that even in Ohio - once you close - the house is yours! ... more
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Thu Sep 27, 2012
Craig Scanlon answered:
Please give me an address or send info to realtorcraig@woh.rr.com..happy to look into .. Craig
0 votes 1 answer Share Flag
Thu Sep 20, 2012
Bryan Ogletree answered:
$15840 However it has sold two weeks ago. If you have an=y others or would like any additional information dont hesitate to give me a call @ 937-470-7264... Bryan
0 votes 1 answer Share Flag
Thu Sep 20, 2012
Ron Thomas answered:
It really sounds like you are trying to do this without the help of a Realtor;
Why would you do that when his representation would have been FREE.

You can do it yourself,
or you can get a Lawyer to help you. ... more
0 votes 3 answers Share Flag
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