In January of this year I attended a Bay East Association of RealtorsÂ® "Housing Opportunities" round table event concentrating on Credit Repair and counseling.
The major takeaway: NEVER pay for credit repair!
Quite frankly, anything a "credit repair" company can do you can do yourself. Understand there are no quick fixes and the length of time to get your credit back into shape will likely be at least a year (depending on what issues you actually have).
One of the leading non-profit credit counseling companies in the US is National Budget Planners, which you can check out at http://www.nationalbudget.org/
I would encourage you contact them today and get started with their FREE Budget and Credit Counseling http://www.nationalbudget.org/debt_management.html
Joy, if you can't make the payments, it may be worth attempting a short sale. I recommend using a professional short sale negotiator - it signals that you're really trying to get the deal done, to both the bank and buyers. These negotiators are either paid by the buyer or the bank, so it won't even cost you any money.... more
"Good area" is a subjective term and one of those terms that gets Agents in trouble. I think many people feel Antioch is a troubled community in parts with public service under a lot of stress budget wise. However, Antioch is moving to hire more police and has a very good infrastructure. I am positive about Antioch in general.
As to if a specific neighborhood will work for you I would need to get more information about budget, and what you want in a home.
The link is to all the homes for sale in Antioch. Please let me know what I can do to help.... more
Overall, Realtors are prohibited by law from telling you whether or not any specific neighborhood is safe. Itâ€™s called â€œsteeringâ€ and we are prohibited by our code of ethics and federal law from providing such information. Here are a couple posts that explain more:
NO STEERING ALLOWED: 3 Important Facts To Know As A Buyer
Donâ€™t Get â€˜Steeredâ€™ in the Wrong Direction
However, we CAN tell you where to go to get information. In your case, for crime statistics, go to the following sites:
The PAA has to be signed by ALL parties for it to be in effect. If you didn't sign it and you are the legal owner, they are trespassing and you can evict them. You might want to contact a Real Estate Attorney.
yes its me again, i put in an offer to purchase a home. was told the home had to be listed for 7 days. for what i'm sure are mut offers. how can i feel secure that my offer was indeed summited to the bank ? my agent called me one week after making the offer and stated the bank had accepted another offer but the home is still listed as active ? how can a person be sure.. thank you in advance for any help..... more
Yes, it varies a lot and there are a lot of overheads. There are 100% splits (less fees) and there are 50% splits. I think you should interview with at least 4 companies, all of different types. A RE/MA, K-W, small local, etc. and see what they offer.
Unless you are pretty good, don't expect to gross more than $50K in year 1.
Now if you are really good, the sky is the limit. Millions of dollars in income can be made if you acn survive and thrive for 5-10 years.... more
If the tax lien is in both of your names, then it could prevent you from getting a loan until it is paid off. Buying a home only in your name will not solve anything. However, if the tax lien is only in your husbandâ€™s name and your personal income and credit will allow you to buy a home, then you are OK to buy in your name only. Your husband will need to sign a quit claim deed to release himself from title prior to closing.... more
I encourage my clients to interview a few lenders before they decide who they are going to work with. They usually get names from me, relatives of friends and from their own research. Find out who has the best rates and fees, but also find out who is responsive and you feel will look after your interests.
You, your lender and your lender and your agent all have to work together like a team to get you the right home.... more
If the home has already been sold at a foreclosure sale, the bank's representative or new owner(s) will be contacting you shortly possibly with an offer of cash to completely vacate the property. Nonetheless, you should still contact an attorney immediately to find out what your rights are at this point.
Try negotiating a lower rent ($950) with higher deposits and/or terms in favor of the landlord. Hopefully this landlord can understand and be willing to rent to you. Everything in real estate is negotiable...good luck!... more
A city derives revenues from various resources. Home sales is just one factor that contributes to (or takes away from) a city's insolvency. So just because there is low inventory of homes for sale (i.e., they're all sold/pending), doesn't mean the city isn't in trouble.... more