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Home Buying in West Virginia : Real Estate Advice

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  • Local Info1
  • Home Buying38
  • Home Selling11
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Activity 232
Wed Nov 6, 2013
Sonya Olako answered:
If I had to guess it would be Elm Grove Elementary and Bridgestreet Middle School. I believe they let you choose between Triadelphia or Bridgestreet though. Let me know if I can be of any help on your home search.

Sonya Olako
Harvey Goodman Realtor
304-280-0718
clicksonya.com
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Sun Apr 14, 2013
Crystolks asked:
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Sat Apr 13, 2013
joanrichards9 asked:
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This question was asked from this property: http://www.trulia.com/property/1081733690-5-Stone-Lake-Dr-Walkersville-WV-26447
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Wed Nov 20, 2013
Anna M Brocco answered:
If you are purchasing with a mortgage, yes; 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.
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Sun Apr 7, 2013
Helen Kesari answered:
There are many safe areas in Charleston, more safe than not. 25314 is a very desirable zip code as the schools in this area are highly rated and crime is very, very low. There are also very safe neighborhoods in South Charleston as well. Please give me a call and I'd love to help! 304-741-4977
Thanks!
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Wed Apr 3, 2013
Donna Elder answered:
Yes, you can buy a house based on your social security disability. It counts as income, SInce it is none taxable income it adjusted up for qualifying for a mortgage. The same rules and requirements apply to qualify for a loan...credit score, debt ratios, letter showing your benefits, etc.You may qualify for special loan programs depending on your income. Hope this was helpful. You can click on my photo to get contact if you Have additional questions that I can help with. Remember not all lenders have the same loan products so you need to know which lenders have the best mortgage product for your financial situation. ... more
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Tue Mar 26, 2013
robert murphy answered:
Wed Apr 3, 2013
Andrew Wilkinson answered:
Hi there Angie Gilles,

According to our records, this home is no longer for sale.

Source: http://www.trulia.com/homes/West_Virginia/Mount_Hope/sold/1000210880-702-Maple-Fork-Rd-Mount-Hope-WV-25880

Good luck with your search,

Andrew
Community Manager
Trulia Voices
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Wed Mar 20, 2013
Jennifer Rexrode asked:
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This question was asked from this property: http://www.trulia.com/property/3009647382-108-Armstrong-Crk-Powellton-WV-25161
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Sun Mar 17, 2013
Mack McCoy answered:
No.

Even if you did come out ahead, it wouldn't be by much. You'd be buying an overpriced property that the seller couldn't sell any other way except to someone with bad credit and while you'd feel like you were "buying your own home," when the time came to actually make the purchase you'd likely find that:

1) you don't qualify for the loan and the premium you paid to "rent to own" is money down the drain,
2) you do qualify for a loan and you realize how many more purchase options you have, except that you've invest so much into holding your "position" with the rent-to-own,
3) the seller goes sideways and either loses the property or sells it out from under you.

There are probably more pitfalls, but you get the picture.
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Wed Mar 13, 2013
Tim Moore answered:
Most sellers sell to get money to buy another house. Rent to lose is a waste of time since they rarely ever work out and you will lose more money when you can't get a loan to complete the deal and then you are kicked out and lose the deposit. Just rent and when you can really get a loan then buy. ... more
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Thu Oct 3, 2013
Tim Moore answered:
You have just so much VA eligibility available to you and once used that loan must be paid off to get it back to use again. So until it is paid off, or you let another vet with VA eligibility assume yours with theirs, it's gone for now if you used all of it. ... more
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Fri Feb 22, 2013
Tina Lam answered:
With a score lower than 640, financing will be challenging. There are some programs that can work as low as 560, but at 488, you won't be getting a conventional loan.

However, if you have 50% down, you can get private financing for the rest. It'll cost you around 8-14% interest rate.

If you don't have 50% down, then you'll just have to continue saving up aggressively.
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Thu Feb 21, 2013
Debra (Debbie) Rose answered:
You''re not going to have a lot of luck with this, as they are far and few between.

Why?

Well - any seller who wants to sell does so now, not later...they don't put it off unless they can't afford to sell at today's market price.......or their expectations are too high...or they hope the buyer will forfeit their deposit.

Do you really understand what is involved in a "rent with the option to buy" agreement?

1. non refundable deposit money....either as an upfront payement.....or an amount of rent over and above the normal rent. This overage would be applied to the purchase price when you buy the home - or forfeited - if you did not buy the home for whatever reason.
2. the sale price is decided now, not at the end of the lease term
3. if you don't qualify for a loan now, or don't have a down payment, you better make sure you will have everything in place later, or lose your deposit.
4. contrary to what a lot of buyers think - all of your rent will not go towards the purchase price - only the amount over and above the normal rent.....can you afford to lose that deposit money if you cannot proceed with the purchase?

Please make sure you understand the potential dangers lurking for a buyer....these agreements usually favor the seller.
Get an attorney involved before signing anything if you should decide to pursue this.
My advice would be to rent for now while saving money and repairing your creidt if that's whats holding you back now. Buy when you can do so in the customary manner.

Best wishes......
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Thu Feb 21, 2013
Huntersarah718 asked:
I have seen this house at 81 Clouser Court and love it. I wonder will the owner consider rent to own contract or owner financing?

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This question was asked from this property: http://...
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Thu Nov 21, 2013
Charles Rorive answered:
Becky,

I do not have any recommendations as to whom you can talk to, but most likely the reason you are not able to get an FHA loan has to do with your credit score, rather than the 6 year old bankruptcy and repossesion. I would personally try finding a mortgage broker that is also a certified financial planner. Together you should be able to come up with a plan to improve your credit score and obtain a loan to buy yourself a house. It will take some time and effort, but it is doable. ... more
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Thu Feb 21, 2013
Ambyre Collins answered:
It is pending, and is scheduled to close on March 1st
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Fri Feb 1, 2013
Craig Zappin answered:
Mon Jan 28, 2013
Betty Sargent answered:
This home is currently showing pending sale, in our listing service. Are there any other homes you would be interested in seeing?
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