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South Dakota : Real Estate Advice

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  • Local Info1
  • Home Buying5
  • Home Selling6
  • Market Conditions1

Activity 144
Thu Aug 23, 2012
James Rezac answered:
I'm not sure what home you want to view?
0 votes 3 answers Share Flag
Fri Aug 17, 2012
Ron Quillen answered:
The appraisers are a little backed up, with purchases as well as refinances. I would contact your agent to see what the status is. Good luck!!
0 votes 1 answer Share Flag
Tue Aug 7, 2012
Phil Rotondo answered:
On average, it takes about 40-45 days for a lender to close on an FHA or VA loan. If it's a conventional loan, closer to 30 days.
0 votes 3 answers Share Flag
Sat Dec 13, 2014
answered:
Hi Anita, feel free to contact me with questions regarding your situation. I have seen instances where student loan debt doesn't need to be deferred when it comes to a VA loan under certain circumstances. Feel free to call me at my office at 605-275-2777, or email at craig@advanamortgage.com ... more
0 votes 2 answers Share Flag
Wed Jul 11, 2012
kkmcbreen asked:
Sun Jul 8, 2012
Debra (Debbie) Rose answered:
The best you can do is:

1. have the credit report run
2. ask for job verfication and/or job reference letter
3. if they are current tenants elsewhere, ask for a reference letter from the current landlord (and, of course proof that they paid rent on time)

You can refuse to allow pets, if that is a concern.
Remember, you will have an amount for security should you need to make repairs when they vacate the premises.

"Responsible" and "caring" are too subjective to quantify, and with Fair Housing laws, I'd be very careful in judging or rejecting anyone simply based on how they "look"!
... more
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Wed Oct 2, 2013
Shirley Gentry answered:
hi One Bath Room In The Master Bed Room Is Really Nice, But If You Have A Basement You Would Need Two Or Three For A Large Family.
0 votes 4 answers Share Flag
Tue Jul 3, 2012
Tim Moore answered:
Why assume anything, ask and find out for sure. There is always a name of a Realtor near by all listings.
0 votes 1 answer Share Flag
Tue Oct 28, 2014
sld answered:
Hello. Yes, if you are in Custer's city limits, you can get Golden West cable internet access.
0 votes 2 answers Share Flag
Mon Jun 11, 2012
Sharon Reents answered:
According to loan processors, thi needs to be 620 and above.
0 votes 2 answers Share Flag
Sun Jul 15, 2012
answered:
Most banking institutions, including ours do not lend to borrowers with a credit score that low. Primarily you should try to get your score to 680, and one way to do that is by following the recommendations by the professionals at Credit Expert, in Sioux Falls. They can be reached at 271-8871. ... more
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Sun May 20, 2012
Tim Moore answered:
Using a term like as-is really is meaningless and basically is only saying the owner is not willing to make repairs, so don't expect any. You can still ask, they can still say no. All homes built are sold as-is and the only exception are ones to be built. There it is, you make an offer on it as it is, then you can ask to have this or that repaired and the owner can say no and you can walk away if your request is not agreed to, that is as long as that is all covered in the offer. Most offers give you an inspection period and most offers say that certain basic things will be working, like plumbing, electric, furnace, etc. This does not mean both sides can't agree to buy it with these not working, but they have to agree to it and if a lender is involved they may not allow it.

Listing a house as-is is not required since it is taken for granted.
... more
0 votes 7 answers Share Flag
Wed Apr 15, 2015
Tim Moore answered:
I am going to think the bank will have a problem lending if the appraiser notes that the furnace is not functioning and there is a gas odor. I would think the seller would be responsible to correct it. ... more
0 votes 15 answers Share Flag
Tue Sep 2, 2014
Suzanne MacDowell answered:
The biggest mistake I see people make is 'over improving' a home. I don't care if you have granite counter tops and travertine tile floors, the home will only sell for what the neighborhood will bear. Remember that kitchens and baths sell a house, but if all the other homes in the neighborhood have lower end ceramic tile and formica counter tops, then those, or something of only slightly higher quality should be your choice.

And remember, a good cleaning, fresh paint and a little landscaping go a long way.

In my opinion, It's not so much the age of the house as bringing it up to neighborhood standards.
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0 votes 10 answers Share Flag
Mon Apr 23, 2012
Nancy Hopp answered:
You should not have any trouble getting a mortage for under $100,000 with a credit score of 730. Credit score is very important and may even trump debt to income ratios. Speak with a lender to get the answers you need with your scenario. Let me know if you need help choosing a lender ~ or searching for a home.

Nancy
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0 votes 7 answers Share Flag
Sun Mar 11, 2012
Michael Cheng answered:
If you haven't entered into a binding contract, you can ask them to do anything you want. Of course, they have the right to turn down any or all of your requests. If they're already paying their closing costs, which most sellers do, then it's just a matter of figuring out how strong your offer is before you make that request. ... more
0 votes 8 answers Share Flag
Mon Jan 28, 2013
Nancy Hopp answered:
Hi Carmen ~

Our web site is linked to the local MLS and only commercial properties are listed for lease. I'm sorry but I don't think this is your best option. I'd look at some of the local rental sites rather than Realtors sites,

Hope this helps you~
Nancy
... more
0 votes 4 answers Share Flag
Mon Feb 6, 2012
Anna M Brocco answered:
Since no link is visible, if your interest in the property is high, why not simply schedule a showing and see all firsthand....
0 votes 2 answers Share Flag
Sat Apr 28, 2012
Dan Tabit answered:
Andrea,
Without seeing the home, it's hard to be certain. If your roof is questionable, it will definitely create a problem for resale. Some loans will not be approved if you can't provide a 5 year roof certification by a licensed roofer. Carpeting is a popular preparation for resale and can help.
Rather than consider these and other repairs/replacements as adding resale, in many cases they just make a home saleable. Clean, neat, move in ready are the main things a buyer is looking for and willing to pay for.
I would encourage you to discuss your potential plans with a couple local agents to gain some insight. These may be the top places to spend some money, but they may not. Without local knowledge and expertise and the chance to view your home and property it's hard to be certain this is what to do.
I wrote a blog piece about preparing for staging. I've attached a link that may be helpful. Best of luck.
... more
0 votes 8 answers Share Flag
Tue Jan 22, 2013
answered:
I can assist you with our Farmer's Home Administration loan, we allow up to 40 acres on that loan program. For more informaiton you can contact me at craig@advanamortgage.com

thanks

Craig Markhardt
NMLS 7026
Sr. Mortgage Banker
... more
0 votes 2 answers Share Flag
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