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Home Buying : Nationwide Real Estate Advice

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A few minutes ago
Kathy Burgreen answered:
Nobody here can answer your question because we don't know your credit score. Your credit score is critical to determine your interest rate which affects your monthly payment. If you plan to put 5% down ($10,000.), you will be required to pay mortgage insurance. Mortgage insurance is to protect the lender in case you default. On an FHA loan, the insurance stays for the life of the loan. You cannot remove it. On other types of loans, it can be removed under certain circumstances.

Estimated mortgage payments shown on listings use a hypothetical buyer who has a 20% down payment + a credit score of 800+. If you don't have this, your monthly payment will be much higher.
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A few hours ago
Kathy Burgreen answered:
I'm a retired realtor and also have knowledge of horses. I have several MAJOR concerns with what you wrote. Please read the following issues:

1. I know to care for horses is very expensive. If you own a horse, is it possible to use your horse as a business strategy to make money? In your situation, if you don't have enough cash saved and you are struggling financially, how can you spend money on vet care, feeding and other expenses on a horse? If your horse earned some money, would this help reduce your expenses?

2. Lease To Own or Rent To Own does not work the way you think. The person buying the property on your behalf and allowing you to live there will charge you additional rent and ask for a down payment. You will need to sign a contract and the contract states the person who bought the house will keep all of your money if you cannot qualify to buy it at a later time. You need to know that the person who buys the home will want to make a profit. The only way to make a profit is have you pay extra money which you do not get back. You will lose thousands of dollars doing this.

3. You need to sacrifice something and make a decision. Can you afford to keep your horse? It's not about buying this house. You need to analyze your financial situation. What is keeping you from saving more money and earning more income?
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A few hours ago
Kathy Burgreen answered:
No. Are you referring to bringing somebody else for the final walk thru? For a final walk thru, you can bring anybody you want. The final walk thru is your last stand to object to anything the builder stated they would do and did not complete. This is your last day to review everything and make sure everything is in order otherwise you have every right to delay the closing of escrow.

For a final walk thru on a new construction home, I would find a contractor who has NO connection to the builder and bring that person with me. You may need to pay some money to bring a contractor BUT they are there to support you. A contractor will see things you don't know how to look for and is there to support you. If it makes you feel better, tell the contractor to say that he/she is a family friend. The builder doesn't need to know that the person is a contractor.
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A few hours ago
Teozile asked:
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Yesterday at 11:15pm
Eclass1906 answered:
If anyone is looking for quality wholesalers in the chicago and Indiana markets please email me at
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Yesterday at 8:53pm
Khatri.kuldip answered:
In Bethany Creek Falls community at Portland, Oregon the quality of contruction is really poor and 3 year warranty is just a sham.
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Yesterday at 8:49pm
Donni1891 asked:
Yesterday at 8:31pm
Loverbun53 answered:
My question is, I got a modification from BOA because at the time all that loan scam they did to us honest working people. The DOJ got that back for us people. I have a contract with BOA for the modification til 2025. That's if I'm still here, now from 2013 my mortgage was $942. then in 2014 it went to $1052., then it went to $1152 in 2015, then to $ 884. now from $1275 back to $1204. I know this is an ARM at 2%, if it's possible can something be done. And yes I'm on a fixed income, my husband and son we all have income coming in. So in 2025 I'm suppose to done with them , but to get a loan for the deferred loan. I turly need some advise " PLEASE HELP" thanks. ... more
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Yesterday at 7:35pm
Mrbobc asked:
I want to buy a bigger house, currently would not quality for a mortgage on this particular one, but see an opportunity. Can I:

1) Purchase a partial ownership of the property for, let's…
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Yesterday at 7:04pm
Linda M Behlmann asked:
I only want to see homes that have 3 Bedrooms, 2 Bathrooms and home with over 1700 SF
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Yesterday at 2:49pm
Danieledelmann answered:
Yesterday at 2:05pm
Jjozzy39 answered:
Have you looked into an FHA loan? You just need a 580 credit score to qualify with some lenders. Check out a site like The Lenders Network, they've helped a few clients of mine get approved with scores in the low 600s. Good luck

contact Us if you are interested via__
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Yesterday at 1:56pm
Mariasummer01 answered:
I understand this is an old thread but anyone thinking about moving to keansburg DONT.I got stuck here trying to flip a house when the market was high.The people here are like a cult-you will feel like your in an episode of the twilight zone.Rampant drugs,no teeth,section 8,dirty,and unless you are like them you will be hated.Do whatever it takes to find a more suitable place-trust me.Yes there are a handful of good people-but it is far outnumbered by very trashy ones.And dont even think about raising the kids here unless you want them using drugs and having no motivation in life.Stay far away ... more
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Yesterday at 12:57pm
Bridgette Atwater answered:
You are evaluating 3 builders who build on 3 levels of quality Southern Crafted is semi-custom, West Bay builds large homes for the price with little information about quality or efficiency plus they have built in area for many years so hard to evaluate long term standards. DR Horton builds starter to estate homes out of the 3 i would select Southern Crafted any day- if you are seeking estate home and I loved Westbay style but would choose Meritage or Taylor Morrison
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Yesterday at 12:56pm
Rich Reed answered:
It would depend on the terms of your purchase agreement. If you used the CAR RPA-CA then yes, the Buyer shall give Seller, at no cost, complete Copies of all such Investigation reports obtained by Buyer.
Hope this helps!
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Yesterday at 12:36pm
Larissa asked:
Yesterday at 10:35am
Adoptionautism asked:
Yesterday at 10:34am
Adoptionautism asked:
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