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Home Buying in 46142 : Real Estate Advice

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  • Local Info1
  • Home Buying8
  • Home Selling6
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Activity 19
Mon Feb 18, 2013
Tim Moore answered:
You might as well offer $340,000 since it is the same thing. Even at $350,000 Wells is losing money and they, of course, don't want to lose anymore than they have to. Good luck
0 votes 3 answers Share Flag
Mon Feb 18, 2013
Shanna Rogers answered:
Hi biagioc,

It depends how badly you want the house. Since you know it appraised at $350,000 and that's what the bank countered at, if you stick to the $330,000, they may not accept. (Especially if they know it appraised at $350,000). They may just move on to another buyer.

Shanna Rogers
SR Realty
www.RealtyBySR.com
... more
0 votes 5 answers Share Flag
Wed Feb 13, 2013
Josh Barnett answered:
Three Answers, easiest first:
1. Ask your Realtor
2. Ask the title company you will use
3. Check with the county clerk
0 votes 4 answers Share Flag
Mon Feb 18, 2013
Doug Zobel answered:
If you want I can set you up with an auto search for the area. Send me an email or give me a call.

Thank you,
Doug Zobel
Carpenter Realtors
0 votes 5 answers Share Flag
Mon Dec 31, 2012
Denise Sinn answered:
There are a few available in these areas within those price parameters. I would be happy to assist you by setting up a search tailored to your wants. As soon as a property is available it will be emailed to you. Then you can decide which ones you would like to take a closer look at. You can contact me via email" dasinngltd@aol.com or 317-847-8550.
Thank you
... more
0 votes 1 answer Share Flag
Wed Oct 24, 2012
Pam Ozbun answered:
Thu Aug 30, 2012
My NC Homes Team answered:
I would suggest sitting down with a mortgage lender and finding out whether you can get a mortgage or not. I'd also speak with them about the effect your credit score is having on the mortgage terms you're being offered. While you may be able to get a mortgage if your credit score is low it's going to have an effect on your origination fee, your interest rate and may even require you to maintain private mortgage insurance depending on a variety of factors.

I would speak both with a traditional mortgage lender (bank) and at the same time if you have access to a credit union I would advise you speak to them as well as they don't operate the same as traditional lenders do and may be more willing to work with you than a traditional lender.

I've attached a link below to a blog I posted here on Trulia earlier this year that might help you understand the effects of low credit on getting a mortgage.

I wish you all the best and don't get discouraged if you don't qualify for a mortgage, you're still young and to be congratulated on your forward thinking.
... more
0 votes 5 answers Share Flag
Sat Jul 14, 2012
Juan Carlos Carrasquel, Expert answered:
I would love to help you in your search. Please email me at Juan@JuanSells.com and I will send you references.
0 votes 8 answers Share Flag
Wed Oct 24, 2012
Judy Kerkhove answered:
When you're in the process of buying a home it is expected that you may have your credit pulled at least 3 times as you search for the right terms with various lenders. Therefore, your credit should not be dinged, espeially if your credit is otherwise in good standing.

Judy Kerkhove
Re/Max Select
judykerkhove@yahoo.com
... more
0 votes 5 answers Share Flag
Fri Oct 15, 2010
Doug Zobel answered:
I'm afraid your agent is correct. The home had a accepted offer, and than was withdrawn on 10/8. We have no idea how long this freeze is going to take. We've heard anywhere from, three weeks to three months.
A lot of pending contacts on forclosures have extended their closing dates in hopes of being able to close in a few weeks. We're all hoping that this will work out soon.
... more
0 votes 2 answers Share Flag
Wed Feb 13, 2013
Stacey & David Kiernan answered:
Taxes would depend on the assessed value but also the exemptions that have been filed. If you want to email me the BLC # or the address I can tell you what they are or email you the tax record. The seller will usually pay the taxes up through day of closing. You willl be credited the taxes on the HUD 1 at closing. Ohter fees woudl depend on yoru financing arrangements etc. I woudl be happy to help and teh seller wil pay the commission in almost all transactions.
Best Regards,
Stacey Kiernan, CRS, ABR, ASP
Principal Broker
HR Realty Group LLC
317-723-3956-O
317-723-3958-F
317-513-0141-Cell
1-866-HOMERUN-TF
stacey@hrrealtygroup.com
www. hrrealtygroup.com
facebook.com/Stacey.Kiernan
Twitter.com/StaceyKiernan
Linkedin.com/in/staceyhrr
... more
0 votes 4 answers Share Flag
Sun Jun 6, 2010
Christine Moran Realtor & Notary answered:
Leins agains the property, mortgages, judgements, all those things have an impact on the title. Your lender was right to steer clear. Find another lender. Contact a lawyer before you purchace any property with a cloud on the title. ... more
0 votes 1 answer Share Flag
Tue Feb 11, 2014
Gary Blake answered:
YES- wait to purchase! The last thing you should do when trying to convince a bank you are financially stable is spend and borrow. Rather than go further into debt, set that money aside in a separate savings account so it will be there when you need it. All debt is the same, and a good payment history definitely helps your credit score, but new debt scares the mortgage companies. Save the money that would have been a car payment and you will build a cash reserve which will help you qualify and give you some added stability. ... more
0 votes 9 answers Share Flag
Sun Sep 20, 2009
Indy KW Real Estate answered:
Jurekkm,

There are lots available in and around Greenwood. Click on this link to view them: http://public6.superlativestudio.com/IDXMini.aspx?SegmentID=3316017&uid=73514&rid=73514&sid=73514&sponsorid=73514&mlsid=MIBORMLS&mlstableid=MIBORMLSLND&htmlfile=960798.html&op=add&lstPropType=3316017&listprice1=DEFAULT%20EMPTY&listprice2=DEFAULT%20EMPTY&area=DEFAULT%20EMPTY&acres1=1.00&acres2=DEFAULT%20EMPTY&county=DEFAULT%20EMPTY&city=Greenwood&streetname=&zipcode=&mlsnum=&sorting=listprice&

If you need representation for purchasing land, give me a call at 317-354-7410. I can find what you are looking for!
... more
0 votes 2 answers Share Flag
Mon Sep 14, 2009
Leasing To Own Solutions answered:
Hello Suet,

If you are asking if there are any L/O's in a specific area....chances are that there will be very few. Many Real Estate Agents tend to discourage their clients from doing anything creative such as Lease Options, WrapAround Mortgages, Contracts for Deed, etc. There may be a few on the MLS, but my guess is that (without even looking) I could count them on one hand. I probably shouldn't assume that....but in my experience, that is usually the case.

A better idea is to call up people from the local newspaper or on Craigslist that have their house "For Rent" and see if they would be interested in selling at the end of the lease. Some of these people may be renting because they couldn't sell with a Real Estate Agent or on their own in the first place. They had to resort to renting it.

If you can find a house you like and the seller/landlord is willing to do a L/O with you, make sure you retain the services of a quality & KNOWLEDGABLE Attorney or Title company that is familiar with this type transaction. BEFORE YOU MOVE IN, all the terms should be spelled out in the Lease Agreement and the Option to Purchase Agreement and everyone is perfectly clear as to their responsibilities.

If you decide to do a L/O with an Agent or listed property, make sure the Real Estate Agent has done one successfully in the past or that they are KNOWLEDGABLE in setting one up.

The LAST thing you want to do is enter into a "verbal" agreement or have things that are unclear 1-2 years down the road which could possibly cost you a bundle in legal fees. Another thing you may want to do is to get with your tenant/buyers and make sure they are meeting with a credit repair specialist so that you can increase the chances that they will buy your house sooner than later.

Hope this gives you a little more direction.

Darin
... more
0 votes 4 answers Share Flag
Wed Feb 13, 2013
Brad Osborne answered:
Caroline,

The Centergrove area is an interesting area when it comes to housing. It is by far the most sought after area in the county therefore fetching higer prices than Pleasant or Clark Townships. In my opinion an inground pool should add no more than 5k maybe 10k if it were spectactular. Sometimes having an inground pool can deter clients from looking at the property especially here in Indiana where you can not use them year round. You have to remember Centergrove is all about the Neighborhoods. That is where you get your price difference. Please fell free to give me a call. My team would be happy to assist you in all your needs.



Brad Osborne
Coldwelll Banker
Greenwood, IN 46143

Cell 317-258-3651
... more
0 votes 12 answers Share Flag
Fri Feb 4, 2011
Brad Osborne answered:
Caroline,

As a Realtor in Johnson Co I am going to tell you that buying is a better option than renting. Of course no one can predict the future, but the market should be good in 5-7 years we are starting to see signs of stabilization now. As a vetern myself I would encourage you to look at both VA and FHA loans. I used a FHA loan when I bought my home the rate was just better. Don't worry about using your VA loan as it is reusable. I would be happy to speak with further.


Brad Osborne

Coldwell Banker
cell 258-3651
... more
0 votes 2 answers Share Flag
Sun Dec 7, 2008
Jody Jones answered:
Hi Mary,

Sorry to hear about the fact that your credit is presently holding you back from obtaining a home. Please know that this is something that can be repaired, it may take you some time and diligence, but its not impossible.
Perhaps in the meantime I can refer you to someone in your area who can help you. Please contact me and I will be glad to send you to someone who is ready and willing to help you.
Jody Jones
Century21 Landmark
Elkhart, IN
... more
0 votes 3 answers Share Flag
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