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Richmond County : Real Estate Advice

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  • Home Buying7
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Activity 239
Thu Feb 20, 2014
Pam Davis answered:
You really need to speak to a lender as soon as possible. There are many factors involved including credit score, employment, salary, etc. How taxes are filed doesn't really have a bearing on the purchase, but these other items do. Contact a reputable mortgage lender as soon as possible so you can start planning as now is the time to purchase with interest rates so low and prices holding steady in most areas at the present time. ... more
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Sun Sep 15, 2013
Robin Silverberg answered:
Generally the best person to ask about grants is someone in your local area, however you could also consider a 203k loan, which is an FHA rehab loan, that would give you money for major repairs. There are certain guidelines and restrictions, and it is a more costly home, but could be worth it if the price is right. ... more
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Wed Oct 31, 2012
brent mendelson answered:
It's not FHA, it's Fannie and Freddie. It is a requirement of every bank and lender, don't switch now.
Ask the lender what can be done NOW? Call the IRS line and see how long? 800-829-1040. Be prepared for a long wait like the rest of the day. If you take them to an IRS office will they stamp them and will this be accepted by the lender. There are things that can be done to speed it up but the lender needs to see if they can make it happen. It's not easy but you are within your right to ask how they assist and speed it up. Just remember it's not easy as it sounds I know. Good luck and let us know how it turns out.

Thanks,

Brent Mendelson
Senior Loan Officer
1ST Mariner Mortgage
O-240-235-5314
C-301-412-0259
F-240-235-8236
Bmendelson@1stMarinerbank.com
Lending in all 50 states
nmls#111407
... more
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Wed Oct 31, 2012
To Irate Anderson asked:
to find the schools assigned to that address. BEWARE due to new school additions, and subsequent zone changes, some neighborhoods may have a split whereby some children attend one eleme...
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Wed Dec 12, 2012
Tondra Dixon answered:
Hello Mr. Wright,

This response is late but if you don't have an answer, hopefully this website can be of good use.

Please visit: http://www.privatemoneylendingguide.com/borrowers/hard-money-lenders-in-Virginia



Thank you,

Tondra Dixon REALTOR(R)
ZipRealty, Inc.
tondra.dixon@ziprealty.com
Toll Free: 1.800 CALL ZIP x8394
Cell: 804.307.1018
Fax: 866.584.4167
My Profile: http://www.ziprealty.com/agent/todixon
... more
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Fri Nov 16, 2012
Doc & Ellen Stephens answered:
Whoa, good luck! USDA Loans can take 60 days or even longer to be approved. Make sure your lender is VERY pro-active and follows up every day. You may also consider extending the closing time to be safe.

We just closed one that took 40 days to get done, even with daily "supervision".

Best regards,

Doc Stephens, REALTOR
... more
0 votes 2 answers Share Flag
Fri Oct 26, 2012
Ann Mullikin answered:
You might want to check with a tax professional, but after working with another client, I do think you might have to pay a portion or all of the grant money back if you do purchase another home before your three years are up. If you need a larger home, you might want to think about lease purchase or rent to own, while you do the same with your current home. I can refer you to some good tax professionals in the area who would be able to advise you. ... more
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Mon Aug 12, 2013
Annette Hollingsworth answered:
I work with rentals. You can go to www.longandfosterpm.com and see what is there. That is where we list all of our rentals.
0 votes 6 answers Share Flag
Tue Nov 6, 2012
MaryAnne Beaty answered:
There are multiple websites to find this information, the local law enforcement sites have these available also. Here is a great one: www.crimereports.com
0 votes 1 answer Share Flag
Fri Mar 1, 2013
Mike Hogan answered:
I can't speak to the past complaints about Hallmark- but I've been in several of their new homes and I have to say the homes are built extremely well. I've sold 3-4 of their homes over the past few years and have never received a complaint from my buyers.

As a Realtor- there are definitely some builders that are easier to work with than others. I've found Hallmark to be one of the better ones.

I hope that helps...
... more
0 votes 3 answers Share Flag
Tue Oct 16, 2012
Phyllis Smith asked:
Wed Oct 10, 2012
David Lydiard answered:
Welcome to RIchmond, Jeff! You've got to check out Bellevue in the Northside. Historic neighborhood, big trees, sidewalks, restaurants, shops, and real houses. I-95, I-64, and Powhite right here, too. ... more
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Wed Jan 29, 2014
Barbara Thomas answered:
Hi Karinny,

Welcome to Richmond!

The question of safety in a neighborhood is one of the hardest questions we receive as agents. Everyone has their own definition and idea of what makes a neighborhood safe. I would suggest you visit the neighborhood during various times of the day and night. A nightime visit on a weekend is particularly helpful.

It is also very helpful to visit the neighborhood in the evening when there may be families out in their yard or taking a walk. Stop and talk to them about the neighborhood and the schools. If you don't get a good feeling from them, then maybe it's not the neighborhood for you.

Good luck and I hope you find the perfect home for your family soon!
Barbara Thomas
ZipRealty, Inc.
804-436-2856
... more
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Wed Sep 12, 2012
Ryan Sanford answered:
I have a wonderful house listed on 3805 Monument that has 4 designated space behind the house. Seel ink
0 votes 2 answers Share Flag
Fri Aug 22, 2014
Susan.Haas answered:
Church Hill is becoming a favorite for professionals who want to be outside of city but need intestate access. The historic character of this area, eclectic, locally-owned restaurants, local events and community-oriented environment are making Church Hill a fun and neighborhood to live in. ... more
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Sat Sep 1, 2012
Connie Mitchell answered:
You should have the option to make a few changes to protect yourself. Also ask the potential land lord questions. Are there specific ways to protect the pipes from freezing in the winter? Does he have the pipes insulated? The landlord should offer ways to safeguard such an occurrence.

Should you turn off the water at the meter when not in use during a freeze? Plumbing problems and broken windows; the tenant should only be responsible if those issues are caused by you (intentionally or by careless acts and/or neglect.

The neighbors kid chunking a baseball through the window should obviously not be your expense to repair. Backed up plumbing created by extended vacancy or plumbing issues in the past should not be your expense either.
... more
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Tue Aug 28, 2012
Ron Thomas answered:
You are OVER-THINKING this:

The primary VALUE in a basement is possibly to the Buyer; if they want one.
It is a very difficult item for Appraisers to evaluate;
and there are no universal parameters.

Good luck and may God bless
... more
0 votes 5 answers Share Flag
Sat Oct 12, 2013
Ann Mullikin answered:
If anyone says you can qualify for a 203K loan with a 580 score you should be very leery. Generally you may be getting a rehab loan, but it will not be a FHA 203K as their credit guidelines require credit scores be a minimum of 660 or 680 to finance the renovation costs with the mortgage costs. However, you may be able to find a lender who will manually underwrite a home loan (no renovation) for you if your 580 score is simply from a lack of credit or unfortunate temporary circumstances.

If you would rather wait for your score to improve, you can also look at rent-to-own or houses where the owners are willing to do some kind of owner financing. This generally requires a larger downpayment or option fee of several thousand dollars.

Don't lose hope, there are many programs out there to help you rebuild your credit. RRHA and Housing Opportunities Made Equal both have homebuyer programs and offer credit counseling.

There are lots of choices in the Richmond area and I have worked with first time homebuyers and am a passionate advocate for my clients. If you wish to know more, you may reach me at 804-385-2768 or visit my site... www.soldbyann.net
... more
0 votes 2 answers Share Flag
Sun Aug 12, 2012
Deborah asked:
Tue Sep 16, 2014
Rosella367 asked:
--
This question is about this property: http://m.trulia.com/rental/3007684760-801-Holly-Spring-Ave-Richmond-VA-23224
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