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Financing in Ohio : Real Estate Advice

  • All354
  • Local Info13
  • Home Buying206
  • Home Selling39
  • Market Conditions1

Activity 297
Tue Apr 16, 2013
Frank A Jakob answered:
That depends on many factors:
1. What type of construction?
2.What geo area of country?
3.What season?
4.How many occupants?
5.What is heated square footage?
6.What type of utilities::heat pump, electric strip heaters, window air conditioners,gas, water heater, etc. etc.

Probably best to ask the owner who has lived there for more than one year.
... more
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Wed Apr 10, 2013
Cecilia Sherrard answered:
There would be quite a few more questions regarding this situation to determine. Feel free to contact us anytime and we will be able to work with you to decide the best route. We work with excellent lenders. Everything will have to be pulled and gone over. Look forward to hopefully assisting you!

Cecilia Sherrard & Andrew Ginter
RE/MAX NE Ohio
440-781-8737
http://www.YouShouldOwn.com
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Tue Mar 26, 2013
Lenderbradford answered:
I would not think that you would have a problem relocating or renting the property as intent is one factor that needs to be considered. If you are looking to buy another home when you relocate the underwriter will likly want to document what you are doing with the current property and plan on qualifying for the current payment and the new payment. You may wish to check with your current lender about allowing someone to assume your loan. FHA does permit credit and income assumptions. I would assume that you have a good rate on your mortgage and it might be attractive for a buyer of the home. Because it is an assumption they would not need a down payment and closing costs would be lower than a straight purchase. It could be a WIN/WIN. Explore the assumption option unless you want to be a landlord. ... more
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Tue Mar 26, 2013
James Deskins answered:
Is it on a permanent foundation? If not, you cannot get a mortgage loan for it. It's difficult to find money for a mobile home if it does not have a permanent foundation. If it does, it's considered a "home" and standard rules apply to financing. ... more
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Sat Mar 16, 2013
Anna M Brocco answered:
Too many unknowns for an accurate answer....was the bankruptcy discharged, current credit score, etc., therefore for a personalized answer visit with any licensed loan officer; be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously. ... more
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Sun Apr 14, 2013
Patricia M Baxter answered:
Not that I know of! Aren't you eligible for an FHA loan for sure? VA? USDA? If not you may have to look for a lease option while you fix your credit. I'll be glad to talk to you about possibilities. Call me 225 0056 any time. I have a lot of experience working with credit challenged buyers. Patricia ... more
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Sat Aug 23, 2014
Stephen Shields answered:
Here is a link to describe the program and eligibility

http://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
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Tue Feb 26, 2013
Shane Milne answered:
Yes, since you recently graduated and have obtained a job as an RN, you can use your job & it's income to qualify. There is a guideline that requires 2-years of employment, but recently graduating school (other than high school) is one of the exceptions that can substitute for that requirement. Loan programs would be any that you qualify for - and with excellent credit scores you probably will want to utilize standard conforming loan programs (Fannie Mae/Freddie Mac), which nearly all mortgage lenders offer.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
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Sat Feb 9, 2013
Jodi Mccoy Vermillion answered:
90%ltv - 417k on the first, 10% down and then a 2nd interest only!
About 3.625% on the first if not better and around 5.5% i/o on the second.
This will help to avoid any PMI
0 votes 1 answer Share Flag
Wed May 29, 2013
Gary Kremer answered:
You need to contact a mortgage loan officer and discuss your situation. I can put you in contact with someone. If you would call me at 937-901-8253

Thanks
Gary Kremer
0 votes 10 answers Share Flag
Tue Jan 15, 2013
Lenderbradford answered:
Samosvoja,

What you need to do is to speak with a Lender/Loan Officer. There as some programs for First Time Buyers, however those programs do have Income Limits. Talking with a Lender/Loan Officer that knows the Strongville area would be the best thing for you to do.

With that said, my offices are in Parma Heights. Just a stones throw from Strongsville. Check my profile page and call me if you want.
... more
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Sun Jan 13, 2013
traciwilson322 asked:
daughter lives in home...wants to keep the home....has good credit...has income....does not want to go through the assumption or modification program...actually can't because it is...
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Wed Jan 18, 2017
Brian Goble answered:
It just depends on who loans you the money through Hard Money they have a mass network of investors. I'm an agent with Keller Williams GCSE. If I can be of service with getting you in contact with our lender and maybe get you qualified for your loan to purchase your new home, just contact me at 440.836.3517 My name is Brian Goble ... more
0 votes 5 answers Share Flag
Sat Feb 9, 2013
Molly Hay - Mosley, CDPE,CNE, MIP, SFR answered:
Key Bank offers a portfolio loan with zero down. There are requirements for the loan just like any other loan but that is an option. Are you working with a realtor? If not a buyerâ™s agent is a free service to you! Make sure you interview a few agents that specialize with buyers, condo's and know the various loan programs and options. Good Luck! ... more
0 votes 11 answers Share Flag
Sat Jan 5, 2013
kaybishop14 asked:
Thu Aug 8, 2013
Melissa Adams answered:
Hi Michelle,

I'm not aware of any that are not credit score based anymore. However we have lenders that will go down to a 560 credit score. If that fits with your situation give me a call.

614-989-4812

Melissa Adams
... more
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Sun Aug 11, 2013
Jeff Paeltz answered:
Hi GCP2000,

I would like to bring a buyer to your home. Just a few questions if I may.

What is the address?, How much are you asking for your home?, Are you willing to take back a mortgage? are there any current outstanding liens &/or mortgages on the property? Would you be willing to do a land contract, lease/option. Is the home currently vacant? If not is it rented or are you still living there and if still living there what time frame were you thinking as to giving possession of the home to a buyer?

I know..lots of questions, but these are what a buyer is going to ask me so I need to know before hand. Thanks!

Jeffrey Paeltz, 614.288.0423 or email answer and /or comments to jeffreypaeltz@kw.com.
... more
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Sun Dec 30, 2012
Andrew Fox answered:
I am located in Clarksville, TN but would love the opportunity to connect you with a great local agent in Columbus. They will have information about what local banks are the best to help. I work for Coldwell Banker and we pride ourselves in relocatuion services. Give me a call, text, or email and I will help you find an amazing local realtor.
Andrew Fox
Coldwell Banker Conroy, Marable, and Holleman
111 S Riverside Dr. Clarksville, TN 37040
Cell 931-302-2241
Office 931-552-1700
afoxrealty@gmail.com
... more
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Tue Dec 4, 2012
The United Home Team answered:
"MEETING YOUR NEEDS AND EXCEEDING YOUR DREAMS!"

That will be a tough one, I have had a few clients find lending through quicken loans online and have seen them lend as low as 35k however if I were you I would attempt to go through your bank that might be willing to help out just to keep you happy. Sadly the trueth of the matter is many lending offices wouldn't waste their time for the simple fact they pay check would be small. If you need any more help feel free to contact me directly I'll see what I can come up with to better assist you.

Keller Williams Realty
3xUS Army Veteran
Joseph Fernandez
cell: (817)975-7258
off: (817)635-1157
website: http://www.blissful-estates.com
... more
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