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Princeton : Real Estate Advice

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  • Home Buying4
  • Home Selling0
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Activity 7
Mon Aug 22, 2011
answered:
We offer FHA financing in West Virginia, I'd be happy to answer your questions & review your situation to determine if you could qualify for FHA financing, or if there are other options you may want to consider as well.

http://www.hud.gov/ll/code/llslcrit.cfm is HUD's FHA approved lender search tool. It doesn't list anything for Princeton, WV. However it only lists lenders, not mortgage brokers, so there could be a mortgage broker in Princeton who is approved to do FHA loans through a mortgage lender located outside of the area.

Shane Milne | Loan Officer in Orange County, CA | NMLS #81195
Direct local #'s: 949-273-4161 or 646-257-4842
Lending in all 50 states, all types of mortgages
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Wed Jun 1, 2011
Dan Tabit answered:
Long68,
Wells Fargo is currently considering some very low scores for their FHA financing. No one can approve or deny your credit without an application, but I would start with a local Wells Fargo branch and see how things go.
Another thing to do is to work on improving your credit scores. Paying off debt will have helped, but paying it down and reestablishing some on time payments is also important. It may be good to get a copy of your credit report directly from Trans Union, Equifax and/or Experian and dispute any derogatory items you can. This must be done in writing and you may need to be able to prove the information is inaccurate. I've used a service called Rapid Rescore with borrowers who needed immediate results and they have worked wonders for a reasonable fee. You can do this yourself for the cost of a few stamps but it will take longer.
Better scores increase the chances for approval and can result in lower rates and fees.
When you are married, buying together lenders will use the middle score of the weaker borrower to set rates and programs. Your wife's scores can help, but yours may end up being the determining factor if they are lower. Best of luck.
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Fri Sep 24, 2010
Anna M Brocco answered:
What is your agent advising and what does your contract state....or you may wish to consult with an attorney who specializes in real estate and have all related paperwork reviewed, see exactly what options you may have--then go from there. ... more
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Sat Aug 7, 2010
Scott Miller answered:
Hi Worried. Yes, you can move out of your home before it sells. If you've moving close by, keep an eye on the house. It would also be very responsible to tell your neighbors that you're leaving and maybe give them a contact number to reach you in case of an emergency.

Have you tried to give the keys (keys for cash) back to the bank holding the mortgage? I think they'd be interested in getting the deed back from you and possibly paying you some money for saving them a foreclosure proceeding. This is called 'deed in lieu'. Call them to discuss it.

Scott Miller, Realty Associates, Boca Raton, FL
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Wed Jan 27, 2010
Elisha Hazelwood answered:
If we're thinking of the same home, it will be on the market in the up coming months. I can check into it further if you think it may be something you're interested in.

Elisha Hazelwood ... more
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Fri Nov 7, 2014
Lee Ann Murray answered:
We have a lot of people moving into this area to retire. It's a pretty laid back area but accessible to everything you could need. Most come for the fresh air and to get away from the hustle and bustle. Try calling Four Seasons Retirement Living at 800-221-3206 for information. ... more
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