I think it will be difficult to fine a "neighborhood" that is like that as many people that make these lifestyle choices are found in many neighborhoods. I eat mainly raw foods, recycle profusely and get fresh foods from traders point, broad ripple farmers market and grow my own herbs. Several of my friends and past clients home school and garden and attachment parent but they live in Butler Tarkington, Zionsville, Westfield. Really all over. Let me know if I can assist you in any way. I would be happy to help. email firstname.lastname@example.org or my cell is 317-430-5558... more
Depends on your situation. Sometimes if we can find a home you really like and if you can put down a big enough amount the seller will do a rent to own or a land contract. Give me a call and we can discuss details.
You can start with a lender or an agent. Finding a great agent is just as important as a great lender and very often the agent has experience with lenders that they can refer you to. And you are already a step ahead of many first-time home buyers in that you are asking about classes. I wish all uninformed buyers were as smart as you. Knowing the process before going forward is key in getting through it with the least amount of stress. And although I am not from IN. I am still willing to talk with you if you wish. I specialize with first-time home buyers and I believe I have valuable information for you and of course there is no obligation to you. I can be reached by phone or email if you need me.
Also, please check back as I am sure you will get valuable information from others on this site as well.... more
Are you on postlet.com which puts you into trulia.com, zillow , etc?
There is often many "behind the scene " things done. Ask your realtor what all has been done and how many web sites your listing is on.... more
Unfortunately this home is already pended and set to close next month. There is no virtual tour available. Try 4619Ralston.com for a great virtual tour of a sweet home! thanks, Cathy O'Banion 317-697-9340... more
I know some lenders you should talk to. Your credit score is excellent, but the Chapter 7 is the glich. It would also be important that you had some money to put down on the property you are interested in. Please feel free to contact me and I will refer you to a great lender who can help you with your financing.
email@example.com, 317-847-0055... more
No you do not have to wait 2 years. I suggest you gather up some information than interview loan officers. You want an experienced loan officers who works for a lender that offers all of the loan types. Check out Your-Road-Home.com and read the article Consultation, Interviewing Loan Officers and you will also find a few articles on loans. Than you will be ready to interview loan officers. Your credit score is sufficent to buy one year after BK. Good Luck,... more
6246 Kelsey is an expired listing. I apparently was for rent, but it isn't now because the listing has expired. There could possibly be tenants living there, but from the listing being expired, I would say that there probably are not.
Please let me know if you are still interested in this home and I'll see what I can find out from the owners for you.
I would suggest contacting a lender, but an FHA loan might be a good fit for you. The downpayment required on these loans is only 3.5%, while conventional mortgages usually require a 20% downpayment. I am not a lending professional, but I can refer you to some great, honest and up-front lenders.
My job as a realtor is to help you with your real estate needs and to make your search easier for you. I would love to help inform you about the home buying process. I work in the Lebanon area. Feel free to contact me.
Julie A. Barnett, firstname.lastname@example.org... more
Welcome to Indiana! You mention, school, so I assume you have kids. I would strongly recommend Fishers (46037) - which is in the county just to the north of 46216 (I assume that's where you'll be working). That is served by the Hamilton Southeastern School Corporation which is top rated in terms of school performance. The other Fishers ZIP is 46038 which would also work. Commute time would be 15 - 20 minutes.
I personally was an immigrant to the USA many years ago and got a loan at competitive rates 6 weeks after we landed. I will ask a couple of lenders how they feel about Canadians!
Contact me - Peter Knight, RE/MAX, email@example.com, (317) 529-4178... more
My best advice it to stop having your credit run until you can find a lender who specializes in FHA loans that go down to 600 or my best recommendation is to read my blog about credit. It has helped many people get their credit scores up. The sweet spot is 640. If you can get your score raised to this point, you'll be good to go with any lender. There are things that you can do that will FOR SURE bring up his score. You just need to read, and at the end of this article, there are additional blogs that I am sure can and will help you.
Best of Luck!
Depending on how your purchase contract was written, it may be that the Seller will be giving you a pro-rated amount for property taxes due for the period during which they owned the house.
Like a lot of things in Indiana, we do things backwards. Our property taxes are paid in arrears. We live in a house in one year, and we pay the taxes for that year in the following year, and in two installments.
So...and again depending on your situation...you'll be getting a tax bill this year that's due in May. That bill is actually for the first half of last year. Typically the seller will have given you a credit for that amount. You'll still be responsible to pay the bill.
The same goes for a bill that you'll receive that'll be payable in November. That bill is for the last half of last year. Again, you'll need to pay the bill, but hopefully you negotiated an agreement which had the Seller giving you a credit for that time period.
Then, in 2014, you'll receive a bill that's payable in May. That bill will be for the fist half of this year. For the first month and a half of this year, the Seller was still the owner. Again, it may be that the Seller has given you a credit for those 6 weeks or so of taxes.
With respect to your homestead exemption, it's likely it won't take effect until 2014. However, as I hope I've explained above, the fact that the exemption hasn't taken effect is being accounted for in the tax credit that the Seller is (I hope) providing you.
Principal Broker, REALTORÂ®
MacDuff Realty Group, LLC