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Home Buying in Irmo : Real Estate Advice

  • All45
  • Local Info8
  • Home Buying9
  • Home Selling3
  • Market Conditions1

Activity 8
Tue Nov 13, 2012
Cindy Kidd answered:
I have connections with several loan officers that I would be glad to have make contact with you. I suggest you talk to them about whether refinancing is the right option for you.

My caution to you would be to look at your current debt to income ratio, decide whether you can handle both loans at the same and if you'll be able to justify the closing costs on the house for the refinance and the actual closing. That would result in making the cost of your home even higher than it already is. You could possibly end up with a house that's difficult to sell if you're trying to recoup all of those costs.

You might want to get a market analysis or appraisal done on your current home to see if you want to invest additional closing costs into the equation.

Please let me know if I can be of assistance to you with name of loan officers or information about the current value of your home.
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Tue Aug 14, 2012
Ron Thomas answered:
You probably cannot; but it doesn't matter:
You cannot just transfer the Title to your name, you would have to take the LOAN too.
And you couldn't take the Loan, because he is Upside/Down, and the Appraisal would prevent that from happening.
You would have to qualify for a NEW loan, and someone would have to pay the Bank for the difference.

Homeowners have been trying to short-cut this situation for 3-4 years now:
Beware if someone tells you that they know how.

Your friend has basically 4 choices:
Keep the house, (somehow) and wait till it comes back up,
Shortsale the house
Let it Foreclose,
Do a Deed-in-Lieu

Good luck and may God bless to you both
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Mon Mar 19, 2012
David Patterson, Broker answered:
Give Union Mortgage a call at (803) 360-5663. Tennyson Zander will be a great resource for you. Wishing you all the best.
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Mon Sep 6, 2010
Cindy Kidd answered:
That home states that it has a 2 car detached garage. If I can answer any other questions that you might have about this home or any other homes in the area, please do not hesitate to contact me. ... more
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Mon Jun 21, 2010
Anna M Brocco answered:
Consider working with an agent, any local agent can help you with your search and help you find something suitable.
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Thu Oct 8, 2009
Jennifer Tome-Berry answered:
You can get a great deal if the bank accepts the offer and the seller accepts the terms of the short sale. It is essential that you are patient during the transaction because there is not much that anyone can do to control the bank or their timetable. If you are in a situation that allows you to be flexible in regard to your timing then go for it; if you are on a tight timeline I'd look for a conventional purchase. You may also want to find a Realtor in your area who is a Certified Distressed Property Expert (CDPE). They can help advise you through the transaction and any potential pitfalls. Please see the web reference below for their website. Best of luck to you! ... more
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Tue Aug 25, 2009
Dave Edwards answered:
Thu Oct 30, 2008
MJ & Kathy Johnson answered:
Hello Anna -
That listing is now under contract.
Please let me know if I can answer any additional questions.

Kathy Johnson

Keller Williams Realty

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