47802 : Real Estate Advice

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Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
how long do you have to wait before you can get approved for a home loan after bankruptcy and its all over with?
With an FHA loan, it's normally 2 years after the date of discharge on a Chapter 7. It could be as soon as 1 year if extenuating circumstances caused the BK, such as death of a coborrow ... more
0 votes Share Flag Thu Apr 4, 2013 Home Buying in Terre Haute
Angela Pickl…, Real Estate Pro in Terre Haute, IN
Angela Picklesimer answered:
In Indiana with a short sale can the seller be held liable for the difference between what is owed and the amount from the short sale?
It depends on the agreement you have with your lender. I have seen sellers given a 1099 at the end of the year for the difference and heard of promissory notes for the difference, but ... more
0 votes Share Flag Thu Mar 28, 2013 Foreclosure in Terre Haute
Tina Lam, Real Estate Pro in San Jose, CA
Tina Lam answered:
what is a short sell?
It's when a property owner wishes to sell the property and the current property value is below the outstanding loan balance. The property owner would have to request the lender to acce ... more
0 votes Share Flag Wed Mar 27, 2013 Foreclosure in Terre Haute
Alison Hillm…, Other/Just Looking in San Francisco, CA
Alison Hillman answered:
has there been any vilent history in this house
You can contact the listing agent who will be able to help you learn more about that specific property (and probably will know a lot about similar properties in the area). To find an ag ... more
0 votes Share Flag Thu Mar 28, 2013 Market Conditions in Terre Haute
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
whats the number
My favorite is 14,
but I keep trying; no Mega yet!
0 votes Share Flag Fri Mar 15, 2013 Rentals in Terre Haute
Oscar Sison, Real Estate Pro in Terre Haute, IN
Oscar Sison answered:
I m looking for housing with "mother-in-law" addition or 2nd dwelling. how is this designated in Trulia or real estate listings?
I have 8256 Cherokee Street. It has 4 bedroom, 3 bath, 3 car garage. The motther in law suite is connected to the main house but also has separate entrance and separate utility meters. ... more
0 votes Share Flag Sun Feb 17, 2013 Home Buying in Terre Haute
Angela Burch, Real Estate Pro in Terre Haute, IN
Angela Burch answered:
Do you do contract sales?
Most sellers do not have the ability to sell there home on contract due to a clause in their Mtg. that the bank includes, its usual for sellers to have to sell the home out right so the ... more
0 votes Share Flag Thu May 30, 2013 Home Buying in Terre Haute
GTOptions, Other/Just Looking in Indian Beach, NC
GTOptions answered:
Getting ready to move to town & am looking for 2 bed home or apartment thats located anywhere in the south side of Terre Haute?
It would be great if you consult some agent or broker, as they might help you in finding the exact aprtment or house as you are looking for. These agents have the records and are quite ... more
0 votes Share Flag Thu Jul 26, 2012 Rentals in Terre Haute
Tim Moore, Real Estate Pro in Kitty Hawk, NC
Tim Moore answered:
if i short sale my home will i be able to get another mortgage loan for a less expensive home i can afford
NO, not any time soon. The good news is Indiana is a non-recourse state which means the bank can not come after you for money they lost on the short sale of your home. But the fact it i ... more
0 votes Share Flag Sun Mar 3, 2013 Home Buying in Terre Haute
jbcin812, Both Buyer and Seller in Terre Haute, IN
jbcin812 answered:
Looking for someone to do a home inspection in the Terre Haute/Brazil Indiana area. Anyone have any referrals for that area? Thank you.
Julie,
Suggest Ater Home Inspection, Gary Ater (812)208-2636. Solid work, fair price, fast and complete results. Good Luck, Joe
0 votes Share Flag Thu May 30, 2013 Home Buying in Terre Haute
Juan Carlos…, Real Estate Pro in Bloomington, IN
Juan Carlos Carrasquel, Expert answered:
First time home buyer
I recommend you talk to your local bank (State Bank or Credit Union, etc). They might be able to approved an in-house loan for you. You will need 20% down payment in most cases
0 votes Share Flag Thu Nov 15, 2012 Home Buying in Terre Haute
David Mennen,  in Indiana
David Mennen answered:
I am eligible for a VA loan and I am about to change jobs. How long will I have to wait to make a purchase?
Mandy - It depends.... will the new job have a probationary period with it? With some lenders this will make a difference..... I am a mortgage broker who works in the state of Indian ... more
0 votes Share Flag Mon Mar 19, 2012 Home Buying in 47805
Robert D Hug…, Real Estate Pro in Devon, PA
Robert D Hughes answered:
A foreclosed home has been empty for 3 years and cannot be found on any listing. I found out the bank that owns the property. What is my next step?
Lizzi, If there are no listings anywhere for this property, try the asset-management and indicate you could be an interested buyer. If they don't assist you after that; not much yo ... more
0 votes Share Flag Mon Feb 6, 2012 Foreclosure in Terre Haute
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
After being pre-approved for over $110,000 , we were just denied the loan for a 107,000 house
Did they give you a REASON?
They have to give you a reason,
something that you could do something about.

You would seem to have three choices;
Change your OFFER to $107,
Find a $ ... more
0 votes Share Flag Wed Dec 7, 2011 Home Buying in Terre Haute
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
What is the minimum credit score required for an FHA loan? And how damaging are collection accounts on my report when applying for a mortgage?
ashleesue,
For many lenders 640 may be the lowest score FHA loan, but Wells Fargo is considering much lower scores through their branches.
Credit approval is only partly based on y ... more
0 votes Share Flag Wed Oct 16, 2013 Home Buying in 47802
Scott Butcher, Other/Just Looking in Austin, TX
Scott Butcher answered:
I have a credit score of 572 and was wondering about a USDA loan. Is that something that would be possible?
USDA doesn't set a floor on the minimum credit score they will accept; however, many lenders do typically have a floor of a 620 FICO score, although I have heard of one or two lend ... more
0 votes Share Flag Mon Jun 13, 2011 Home Buying in Terre Haute
Wyoming, Home Buyer in Terre Haute, IN
Wyoming asked:
0 votes Share Flag Wed Apr 20, 2011 Credit Score in Terre Haute
Laura Musall, Real Estate Pro in Fishers, IN
Laura Musall answered:
when buying a home, what does it mean when the taxable value is almost triple what you'd be buying the home for.?
The appraised value of the house done by the county assessor's office is to determine the amount of taxes owed. While Indiana has tried to move to a system where the assessed value ... more
0 votes Share Flag Thu Mar 3, 2011 Home Buying in Terre Haute
chastity bru…, Other/Just Looking in Terre Haute, IN
chastity bruner asked:
0 votes Share Flag Sun Aug 22, 2010 Moving in Terre Haute
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