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Columbus : Real Estate Advice

  • All743
  • Local Info79
  • Home Buying252
  • Home Selling45
  • Market Conditions18

Activity 479
Tue Jun 12, 2012
Neil Moritz answered:
Tue Jun 12, 2012
Susan Ziff answered:
What house are you asking about? My listing, 1457 South High Street in Columbus, OH is still available and the price has dropped to $235,000. It is 3641 SF and on .3 acre, just 1.5 miles from the center of the city and the courthouse. Please call me with other questions: 614-273-6220. ... more
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Fri Jun 8, 2012
Chris asked:
I have been looking for almost 3 weeks now we almost zero look. Trying to get out of a someone draining living situation. Looking for a one or two bedroom place around 600-750 . Ver...
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Wed Jun 6, 2012
Tim Moore answered:
No , sorry you can not. It is a Realtor tool.
0 votes 5 answers Share Flag
Fri Jun 15, 2012
Ritchie Realty Group answered:
As realtors, we are not legally allowed to give you opinions on school districts. After all, my definition of
0 votes 12 answers Share Flag
Sun Jun 3, 2012
James Deskins answered:
Sat Jun 2, 2012
John Taylor answered:
Give me a call I can help with rentals and pets. Familiar with area and have a few available in canal Winchester and pickerington area. I will reasearch in your price range also
0 votes 1 answer Share Flag
Tue May 22, 2012
James Deskins answered:
Marlee, you really need to give us more information. There are many homes an many "nice" neighborhoods within 25 minutes of Riverside. Basically, the entire city is within 25 minutes of Riverside, incljuding the suburbs. Describe what "best place" means to you. What type of community are you looking for? What style/age? What types of neighborhood ameneties? ... more
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Mon Jul 16, 2012
Sarah Sykes answered:
What area are you referring to? I'd be happy to help!
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Wed Sep 26, 2012
Hartson Green Team answered:
You can get a free crime report on my website. It is www.toddgreensellscolumbus.com. It will give you what crimes have happened in a certain area. Let we know what else I may do to assist you with your real estate purchase. My number is 6143482100 or you can reach me by email at toddgreenrealtor@msn.com. ... more
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Mon May 21, 2012
Tammy Marquardt answered:
Although I can't answer specifically about the North Linden area, Columbus as a whole barely got ANY snow this past winter! But that is extremely rare. We usually get our big snows in Feb and March it seems. Here is a good site to research weather trends and averages: http://www.weather.com/weather/wxclimatology/monthly/graph/43210 ... more
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Sat May 12, 2012
Matt Cochrell answered:
How soon do you need it? we may have something opening up on the west side of downtown in that price range fairly soon. mcochrell@coreohio.com
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Tue May 15, 2012
Darryl Threat answered:
Hi Jenna, I work in the Worthington area. Feel free to call me at 614-783-6796 for help

Darryl Threat, CSP
Real Living HER
614-784-6796
0 votes 9 answers Share Flag
Thu May 10, 2012
Terry McCarley answered:
You need to contact your buyers agent and discuss this with them. If you did not use a buyers agent you are going to need to contact an attorney.
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Mon Sep 10, 2012
Rebecca Podlasiak answered:
Try Joe or James at Fifth Third on Northwest and Lane. I have worked with them for years and Joe is very knowledgeable.
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Thu May 3, 2012
Janetsmith asked:
I need a 3-4 bedroom with grage in a good neiberhood to raise three kids with good schools prise between 500 to 560 amonth with a good landlord
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Sun May 26, 2013
answered:
Refinances
Chapter 2
Mortgage Credit Guidelines
Page 2-19

A refinance transaction involves paying off an existing real estate debt from proceeds of a new mortgage. For all refinance loan transactions, 1) the borrower must be current for the month due and, 2) there must a current payoff statement in the case binder.

Under the terms and conditions outlined below, FHA will insure the following types of refinances:

A. Regular Refinances – “cash-out” and “no cash-out”

1. ”Cash-Out” Refinances: the maximum loan-to-value and combined loan-to-value of any cash-out refinance is 85%. The calculation is based either off the appraised value or the original sales price, depending on the length of time the borrower has owned the property.

a)The loan is limited to a combined LTV (FHA insured first mortgage and any subordinated lien) of 85% of the appraised value, provided the borrower has owned the property for at least one year. Note that manufactured homes have other restrictions (Handbook 4155.1, section 3.A).
b) If the property was purchased less than one year preceding the application date, the LTV/CLTV (85%) for the mortgage amount must be calculated using the lesser of the appraised value or the original sales price of the property.
c) The property that is security for the refinanced mortgage may be a 1-4 unit property.
d)The property must be owner-occupied. Non-owner occupant co-borrower may not be added in order to meet FHA?s credit underwriting guidelines.
e)Properties owned free and clear may be refinance as cash-out transactions.
f)3-4 unit properties are required to pass the self sufficiency test and have a minimum of 3 months reserves after closing.
g) Properties acquired by inheritances within the past 12 months are eligible for a cash-out refinance transaction provided they have been occupying the property as their primary residence since the inheritance. The lender must document the acquisition by the borrowers via inheritance.
h)Manufactured homes: there are restrictions applicable please refer to Handbook 4155.1, section 3.A.
Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 fax
jlobb@keyfinllc.com

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
http://mylouisvillekentuckymortgage.com
... more
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Mon Apr 30, 2012
Tea asked:
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Sun Apr 29, 2012
Tim Moore answered:
If you don't think you can get a loan for a few years, then I am afraid you do not understand how a rent to own works. The owner will want you to be able to buy the house in 1 to 2 years and that means you will HAVE TO get a loan to do it - unless you plan to hit the lottery or something. If you can't get a loan, then you will be in default of your rent to own contract and you will lose the deposit money and all the monthly option money that is tacked on top of the monthly rent each month. You could lose thousands so why take that silly chance? Just rent now and buy when you can actually get a loan, you will be better off. ... more
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