Have you talked to a lender about getting pre-approved? The reason I ask is rates are on the rise and we would only expect home prices to follow. Taking these both into account you would be best suited to purchase now rather than do a rent to own situation. If you're not ready now it would be beneficial to start working with a lender to get your financial picture where it needs to be in the future. I would be happy to discuss it further if you would like to give me a call.
Keller Williams Realty West
5377 Highway N
Saint Charles, MO 63304
I have a buyer right now purchasing using a VA loan and he is getting 4.5% but had also been quotes a rate of 4.75% from another lender. But like everything, it depends on many factors. I would suggest contacting a couple lenders and see who gives you the best rate, what the closing costs are, and which one you like best. Relationship ALWAYS matters.
Ask for a Good Faith Estimate and a Cash Worksheet. That way for can compare apples to apples. Good luck!... more
I understand your pain and frustration. I too owned property of where my neighbors OWNED, but they continually harrassed me about every little thing in the book so to speak. It did not start until after my husband of 21 years decided he wanted a divorce. He left me with 2 teenage boys, a mortgage and car payment and a yard over 1 full acre to fend for myself. The men on each side of my property planted TREES on my land to put a buffer between the homes, which was ok at first...because it saved me from having to do extra landscaping...but then they called the Sheriff about us shooting fireworks on New Years Eve, my dog barking too loud, because another neighbors cat was in the yard...or the deer, that one neighbor liked to shoot out his back door with bow and arrows.....they would tell me to TELL my dog to Shut up....It was always something. I moved out of my house in October and was still making a mortgage payment AND now rent as well for as much as my house payment....and I am a REALTOR that makes NO money unless I sell a house and close. This is what YOU need to do.....I do not know if you live inside the city limits, but I am assuming the COUNTY because you said the SHERIFF came out.
Have someone you know or you call the county zoning commission and ask them to send someone out to your house so you can show them face to face what is going on. Show them anything you have to prove the property line. It really doesn't even matter about the property line. If your neighbors are becoming a nuisance, there are laws against that. Also, if these folks are RENTERS, call the COUNTY courthouse department that handles tax notices. Tell them you need to know who owns the house at "such and such " address regarding an issue with their property. It is public information. Call this person that owns the house and nicely tell them that you have a problem and there are records of where calls have been made against you unjustly by HIS/HER tenants. If it continues, you will take matters to an attorney for violation of your rights to LIVE PEACEABLY on YOUR OWN PROPERTY. After you talk to this person on the phone, write them a letter , date it and mail it "certified mail". Then the next time this mess happens, get YOUR copy of the letter out and show it to the Sheriff's deputy to prove that you have complained and you want to file a complaint against the tenants for "Disturbing the Peace", "Zoning laws" or whatever ELSE the county may find when they come out to visit.
If NONE of that works, call the COUNTY AGAIN. Tell them you need the number to your COUNTY REPRESENTATIVE....you know, COUNTY COUNCIL BOARD.... ask for the HEAD PERSON OR CHAIRMAN.....They are voted in office by the public in my town....maybe they are where you live too. Tell them that you are on SSI, Sr. citizen and you need help. If the county zoning, the sheriff's dept, the owner of the property next door and the COUNTY COUNCIL do not give you any satisfaction, look in the phone book for any SENIOR CITIZEN ADVOCATE GROUP or NON-PROFIT ORGANIZATION that helps people on low or fixed income...AND CALL YOUR LOCAL NEWSPAPER to come and talk to you.
note: I am NOT an Attorney, I am just telling you from my OWN experience...and like I said, I am a Realtor!!!! I know the laws....but the law gets called on me unjustly....don't you think thats gotta make a person wonder????
These are just the things that my local government officials have told me to do and I did.....
Best of luck, please let me know what happens....
My email address is firstname.lastname@example.org
I live right outside of Charlotte, NC
Realtor in Rock Hill, SC... more
I hate to be the bearer of bad news but 1681 Chapman Court was sold/closed on 7/25/2013.
We noticed many of our clients were using as many as 5-7 different websites to look for homes and finding very outdated information. I would would be happy to provide you with a search that pulls directly from the system we use as Realtors and is updated hourly.
As for finding info on flood risk, we use a few different tools provided by different experts in the field. Cardinal Survey has some helpful tools you should check out.
Send me an email and I can set you up on a far superior search tool.
Keller Williams Realty West
You should start out with an agent who is knowledgeable with the St. Charles market trends.
Have the agent run a comparative market analysis to determine where your home sets value wise in relation to your surrounding neighbors. If there are any repairs you may want to go ahead and get a jump start. In todays market, your home will need to be priced right on the nose and in prestine condition or the buyers will move on to the next unfortunately. Your home may need some staging-decluttering as well and an experienced agent can guide you in the right direction. I am an experienced listing agent in the St. Charles County area and live in Ofallon myself :) I would be happy to drop by and give you my professional opinion.
I am always happy to help!!... more
Personally, I think that open houses are very helpful in exposing the property to potential buyers when they are not with their agents. In the past year, we have had 3 properties sold to individuals that came through the open house, whether sent there by there agent, found on the internet, or following signs. That's enough proof for me.
As with most things in real estate, there are caveats. At the high end, you tend to get more "Lookey Lou's" who have always wanted to go inside a house like that, but that comes with the territory. We do our opens from 1-4 PM on Sunday, though 1-3 PM is fine, just don't make it too long. If you err on a side, make it too short... better to have several groups in the property at once, bumping into each other, which better creates a sense of desirability and urgency. If you have someone linger in the home for 30+ minutes and no one else comes in, it plants the seed of doubt in their mind.
Just our thoughts, hope they helped.
AJ Heidmann, ABR, CRS, e-PRO
Cell 703-474-1260 Fax 703-518-8314 Toll Free 877-727-3631
Coldwell Banker Residential Brokerage, Old Town Alexandria... more
Trying to sell a home with tenants in it is next to impossible. The law gives the tenant the right to refuse showings, so even if it's stated in their contract that they will make the home available for showings. As a result, what typically happens is that every time the realtors call to say that there is a showing, the tenant says that it's "not convenient" for them at that time. If they do let people in to see it, then often it's a mess inside since they have no incentive to keep it "show ready".
While MO law states that if they have a valid contract (not a month to month but a longer lease) then a new owner has to honor the terms of the contract, unless you find an investor who specifically wants rental property that is already under lease. Most buyers won't look at it, since they are looking for homes for themselves to live in and they don't want to wait until the lease is over to fix it up and move in. If the tenants contract is month to month, then the buyers can tell them to move out, but in that case, they have even less incentive to help the seller sell the home, since if it sells, they have to find a new place to live.
For reference, the market has started to take off in St Louis over the past couple of weeks. Buyers were out looking at homes on Christmas Eve and New Year's Eve. I'm working multiple contracts at the moment, and I know other agents who are as well.
I sell homes, I don't manage rentals, but if your sister would like a referral to some excellent and reasonably priced management companies, please have her contact me. If she'd like to discuss ways to get the home sold, I can help her with that myself.... more
Time on the market or days on the market are a interesting number in real estate. Its looked at different ways from both buyers and sellers. Two - three years ago as the market was still decreasing it was easily 6.5 months. But now as we see sellers price their homes well and buyers motivated to move on a home we are back down to a 120 day average.
If your considering selling remember in todays market homes will sell fast in your area if they are priced well, marketed aggressively, and show well when buyers look. Find yourself a good Realtor that will market your home online as well as in print. Pictures will make or break your listing so make sure professional equipment is used. Your home's presentation is vital to your success.
If your a buyer than this is not the market to just look around. Homes are selling and if they look good and are priced right than they will go fast. The age of cheap money is starting to come to an end so make sure you lock in rates now while they are still at historic lows. Buying a home is an important decision so take your time but don't wait too long because you may regret it.
Good luck. If I can be of any assistance give me a call. 314-479-8583... more
According to MLS, this subdivsion has no Association fee. I would be more than happy to help you with properties in the area. Please call me at 636 328 2830.
Coldwell Banker Gundaker
636 328 2830... more
If you are renting out your own property, you don't need a license. Please make sure that you have thoroughly researched renting property and being a landlord - your responsibilities and the tenants responsibilities, and how to craft the rental contract and disclosures before you do it so you don't have a problem legally later on.... more
The issue is not with local lenders. Most mortgages must be underwritten per FannieMae/FreddieMac FHA/VA guidelines.
The recent short sale and mortgage delinquency in the last 12 - 24 months is not acceptable per those guidelines.... more