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Riverdale : Real Estate Advice

  • All72
  • Local Info7
  • Home Buying19
  • Home Selling0
  • Market Conditions1

Activity 30
Thu Mar 28, 2013
savaracooper asked:
Mon Jul 10, 2017
K.C. Jones answered:
How "bad" is your credit? I specialize in 580+ credit score home loans. Contact me and I'll see how I can help you.

K.C. Jones
RH Lending
214-432-0486
kjones@rhlending.com
0 votes 14 answers Share Flag
Mon Jan 14, 2013
Travis Jackson answered:
Hi Sherry! If you are looking to purchase a home in Riverdale you should get in touch with a local Realtor asap. If you aren't currently working with anyone, I could have one of the top agents in the Century 21 Intown Atlanta team contact you. They will be able to provide you with valuable insight on neighborhoods and guild you through the buying process. If you send me your contact info to Tjackson@c21mm.com , I will have an area expert contact you!


Travis Jackson
Century 21 M & M Associates
DRE# 01879566
Tjackson@c21mm.com
http://www.408RealEstate.com
... more
0 votes 2 answers Share Flag
Mon Oct 29, 2012
nazonusa asked:
Big back yard, 2 car garage, 3 bedrooms, 2 baths, possible rent to own, spacious for a growing family
0 votes 0 Answers Share Flag
Sat Sep 15, 2012
Marietta Taylor answered:
There are several websites available where you can check out the crime statistics in any given area. Visit www.mylocalcrime.com or www.neighborhoodscout.com.
0 votes 1 answer Share Flag
Wed Aug 8, 2012
Laura Feghali answered:
Hello Smarion770,
Your question would have to be asked to the seller or landlord to determine if they would consider a rent to own option. Every seller/landlord has different thoughts on how they wish to sell or rent their properties so would have to be addressed on an individual basis.

Good luck to you!

Laura Feghali
Prudential Connecticut Realty
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0 votes 2 answers Share Flag
Sat Jul 14, 2012
Ron Thomas answered:
The GFE is not a pertenant document for the Title Company, the Seller or the Lender:
Many Buyers do not even get a GFE.
It will not stop anything.

What you should be concerned with is the FINDING for the Loan;
will it be in place for the Escrow to close?
The procedure would be to have a Contingency, (17 day, 21 day, 30 day) for the Loan, that would allow you to back out if you couldn't get the loan in place.
If you are having problems, you would file for an extension with the Sellers.

If you do not have the loan in place, have no contingency, and the Closing Date is here, then you are in trouble and may lose your Deposit and the house.

Your Realtor should be helping you with this, representing and protecting you.
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0 votes 4 answers Share Flag
Sun Dec 30, 2012
Max Wright answered:
Please call me! I think you nee credit repair!
Max Wright 770-912-5099
0 votes 2 answers Share Flag
Sun Jun 24, 2012
Phil Rotondo answered:
Looks like there is.
Check:
http://www.xpressga.com/
0 votes 2 answers Share Flag
Thu May 3, 2012
Lori Beardslee answered:
2 years and 1 day for an FHA loan. Be sure to keep ALL payments current during this time, and try to open new credit, even if it is a secured credit card so your credit scores go back up. Do not get loans from finance companies.

Good luck time will fly by and before you know it you will be buying a new home!

Lori Beardslee
Branch Manager
Silverton Mortgage
(770) 527-1375
loribeardslee@silvertonmortgage.com
... more
0 votes 3 answers Share Flag
Fri Mar 30, 2012
Lee Taylor answered:
Look up the crime stats for that zip on Trulia. Trulia has some really good map graphics and pretty up to date pin mapping of specific crimes.

Otherwise,
0 votes 2 answers Share Flag
Sun Nov 27, 2011
Anna M Brocco answered:
See links for helpful information; also check with your local housing agency.
http://www.hud.gov/local/index.cfm?state=ga&topic=homeownership
http://1.usa.gov/frYn0A
0 votes 3 answers Share Flag
Wed Sep 7, 2011
Rodney Mason answered:
With USDA, the normal minium creidt score is going to be 640+. A score of 620-639 might be possible, but probably not anything below that.

FHA loans will require a 580+ FICO.

Regards,
Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
rodney.mason@prospectmtg.com
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia
... more
0 votes 2 answers Share Flag
Fri Sep 2, 2011
Suzanne MacDowell answered:
The best thing you can do is to talk to a local mortgage banker. Mistakes dont' stay on your credit report forever. It may not be as bad as you think by now. A lender will be able to tell you if you can qualify for a loan now, and if not, what needs to be done ot repair your credit so that you will be able to buy in the not so distant future, and even when that might be.

I work a lot with Residential Home Funding and have found them to be very, very good. If you can find a local office, that would be my suggestion, if not, call a real estate broker or agent. They should be able to refer you to someone and if you DO qualify they can also help you find a home that meets your needs and that you can afford.
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0 votes 1 answer Share Flag
Tue Mar 22, 2011
Anna M Brocco answered:
Begin with the bank you currently deal with, also check any other local community banks, credit unions....
0 votes 1 answer Share Flag
Fri Mar 18, 2011
Solomon Greene answered:
Hi Faith,

A few lenders were asked this question a couple of years ago and their answers at that time may be found below. As I'm sure you know, this industry has changed drastically over the last few years so I recommend more due diligence before taking any action. Call the National Foundation for Credit Counseling (NFCC.org), Credability (credability.com) or even a couple of lenders for more information.

Short Sale

At least three years must have elapsed since the sale of a property involving an FHA mortgage or two years with extenuating circumstances if the borrower was in default at time of sale. At least four years must have elapsed since the sale of a property involving an FHA mortgage or two years with extenuating circumstances.

Deed-in-lieu of Foreclosure

At least three years must have elapsed since the completion of this action or less than three for owner-occupants with extenuating circumstances before the borrower may be approved for an FHA mortgage. At least four years must have elapsed since the completion of this action or two years with extenuating circumstances before the borrower may be approved for a conventional mortgage. At least two years must have elapsed since the completion of this action or less than two for those with extenuating circumstances before the borrower may be approved for a VA mortgage.

Hope that helps.

Solomon Greene
REALTOR® / HUD-certified Affordable Housing Counselor - Keller Williams Realty Atlanta Partners
(678) 775-2677
... more
0 votes 1 answer Share Flag
Sun Mar 11, 2012
Stacy Carter answered:
Faith,
I'm not aware of any Federal homebuying incentives at this time. You should check in your local area. You may have some redevelopment zones that have grant money assigned to them.

Stacy Carter
Associate Broker
Home Appreciators Team at
Better Homes & Gardens Real Estate Metro Brokers
... more
0 votes 3 answers Share Flag
Sun Nov 7, 2010
Scott Godzyk answered:
Yes as with any purchase, th ebuyer purchases their own home owners insurance policy and is responsible for paying their own property taxes. the bank giving you themortgage will set up a escrow account for you which these payments will be paid monthly with your mortgage payment.

please see my blog with advice and tips on buying bank owned homes.
... more
0 votes 2 answers Share Flag
Wed Oct 13, 2010
Judy Watson answered:
Fri Sep 17, 2010
Priscilla Hammond answered:
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