I would reach out to Carol Desenberg w/Wells Fargo here in Houston. She has worked the luxury market for many years. Her phone/email is on my lender resource page on my web site. Here is the link. http://www.markknowshouston.com/res_list.php?cat=12282&cn=Lenders%2FInsurance
Great rates, even for jumbo loans!! Good luck with the new home. Don't forget to get those inspections prior to closing!!
Bernstein Realty, Inc.... more
Alan that is a sure problem these days with many many many buyers in the same situation. you can get over the low credit score hurdle in some cases but with both self employeed and low credit, you are looking at 20% plus to out down to get most types of mortgage sin this situation.... more
You are in luck this week. I am taking a listing that is 4 Bedrooms and located in 77062! What is your price point and will you be getting a loan? If you have preapproval we can certainly discuss viewing this home later on the weekend as it is in readying stage.
Look forward to helping you with your real estate needs if you are not already committed to another buyers agent at this time.
Thanks for the inquiry. Feel free to contact me or visit my website!
If you are getting a typical home inspection, it takes about 2-4 hours depending on the square footage of the home. On a 3,000 square foot home, an inspection would take about 2.5-3 hours. Most home inspectors can also perform a pest inspection for about $50 more.
If there is a pool, I would recommend getting a pool inspection as well. If the home is Stucco, I would recommend getting an Stucco inspection too. Both are performed by a separate inspector who specializes in that field and can be done simultaneous to the home inspection.
You should have the inspection report with in 24 hours after the inspection is complete.
If you have any further questions about inspections, what they entail, or negotiating repairs please do not hesitate to contact me.
If you need a referral for a qualified inspector, I have several inspectors that I have worked with on a consistent basis on the Vendors Page of my Website:
Best of luck!
Jenny S. Becker, Realtor, ABR
Re/Max Cinco Ranch - The Diane Kiecke Team
Cell: (832) 594-1265 | Fax: (281) 693-0817
916 S. Mason Rd. Katy, TX 77450
The 'Kie' to Your Real Estate Success, We are Always at Your 'Beck' and call!... more
I have had several buyers make offers 5-9 times and not get the home. Here is what we are doing now to get ahead of the pack!
* My clients and I use the FUSION system VS Tempo (MLS systems Realtors use). FUSION advises my clients and I when a home comes on the market within 15 minutes of going into the system. I have them set up on auto-notification and I get the notices as well!
* Take out all the "stuff" in a contract that you don't need. We are removing wording regarding appraisals, shortening the option period for inspections, removing financial addendums and more.
* Providing a bank statement in addition to the pre-approved (NOT pre-qualified) lender letter showing the buyer as liquid assets and have their finances ready to go!
* Speaking to active Realtors that list in the area to see if they are aware of any upcoming new listings. Searching for FSBOs as well.
* Being professional! Typing the contract. Reaching out to the other Realtor by email, voice mail and text. Not being pushy, but firm and active to get the listing agents attention.
* Using electronic signatures like DocuSign. Easier to get your clients signatures at 2am!! Have them take a photo of the earnest money check and email it to you.
* When reaching that listing agent, find out what will be looked at kindly on an offer. What are the sellers needing. Quick close? Maybe a lease back?
* Finally, knowing the market and not being afraid to make an offer above list. Sometimes WAY ABOVE list. If a seller is going to get multiple offers, you want to present something that will knock their socks off!
With some luck, your clients will get the home and you a quicker sale. Otherwise, homes that are sitting for more than a few weeks have issues and be prepared to accept those issues, but hopefully at a discounted price.
Bernstein Realty, Inc.... more
Ja, dat kan ik je helpen. Ik heb een paar Realtor vrienden in Huston, die zal terugkeren uw telefoongesprekken. Mijn e-mail is firstname.lastname@example.org.
Gewoon e-mail me wat informatie en ik zal u op weg helpen.
Wanneer wilt u verhuizen?
Prijs voor de woning?
Hebt u al geregeld hoe je gaat om te betalen voor het huis?
Ik kijk ernaar uit om van de dienstverlening. Een van mijn beste vrienden woont in Utrech.
Met vriendelijke groet,
Yes you can live overseas and buy an investment property in the U.S. without a problem. I'll be happy to assist you and I'm another lender who also works with Ramonica who answered below!
Anna Maria Durr NMLS 266699
2626 Richmond Ave., Houston, Texas 77098
281-592-0667, email@example.com... more
If there were such properties available, they'd have to be underpriced ... and in this market, where homes are selling almost as quickly as they're listed, the odds are against you. Looking for a bargain in a sellers' market will likely be futile. You might want to expand your geographical parameters just a bit, or increase your price point. Best of luck.
ok thank you guys so much,my husband and i are going to get a credit card soon to help us out on the credit issue,and going to speak with a lender soon hopefully friday if we can find one available to speak with us... more
Mark is correct. You will need permits in Houston or most areas that are within city limits. Professional contractors will know what you need and what is necessary to do. I recommend speaking to several contractors to get bids on what you are looking to do. Also request references so you can see and speak with people about the work they have done in the past.
Hope this helps.
Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | firstname.lastname@example.org
websites: www.AustinListed.com | www.360LendingGroup.com... more
I am not sure whether this question is being posed to agents or to buyers/sellers so my answer reflects the advice that I give to my clients who ask if they should be present at the inspection.
Speaking from the prospective of the buyer’s agent: I tell my clients that it is a good idea to attend the inspection. Inspectors that I am familiar with will give you an oral report at the conclusion of the inspections. They will answer questions that you might have. You can observe what they do and get a better insight into the process and what an inspector is looking for. The written report is an important document but attending the inspections gives the written report context that provides a better understanding of the condition of the property.
From the prospective of the seller’ agent: I tell my clients that it is less important to attend the inspection. The report will speak for itself and following the inspector around, debating his findings and defending the condition of the property are unproductive and could be counter-productive.
Personally…I generally attend the inspections for my buyers but not necessarily my sellers. In other words, I follow my own advice.... more
I think you can begin by isolating neighborhoods and schools if that is an issue. I would give it a month to find something and then you will need 30-45 days to close. Have a talk with a lender to see what you qualify for and get all your paperwork together ASAP. Talking to a few Realtors is a smart move as well. You will be spending a lot of time with that person and you need to have faith in their professionalism and knowledge. Don't choose someone because they are your sister's boyfriends cousin and they do Real Estate part time. Thats a joke but I hear it a lot. Find a full time professional that specializes in the area's that you looking.... more
Why would a home buyer not want to use a realtor to help them through this process? Does a home buyer know how to write up an offer or what questions to ask when purchasing a short sale?Does a home buyer know how to find the correct comparables?
Does a home buyer have great sources to use for a mortgage depending on the circumstances? Does a home buyer know a great inspection company? Does a home buyer know the Seller pays for the realtors commission and the buyer does not incur this expense?
Susan Penn, PA, SFR
2000 Main Street
Weston, FL 33326
E-mail: email@example.com... more
Good afternoon jogatatqm,
We see many credit reports with low credit scores (anything less than 620), and often many scores in the 500's. This is BAD credit. If you are one of the folks affected by this terrible economy, you have a low credit score and you have a dream of buying a home, here's some simple advice for you.
It is unlikely you could be approved for mortgage financing with that credit score at this time.
Beware of any mortgage professionals promising you an approval with such a low score. Wait on buying a home. I recommend you take the time to resolve your credit issues.
First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.
Next, begin rebuilding your credit. If you have current accounts with good payment histories, or even some previous late-payment-blemishes, make sure you continue to pay those accounts on time. If you do not have any existing credit accounts then you'll need to establish several in order to create a viable credit history.
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website.
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE.
The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.
The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.
*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!... more
There are many factors to qualifying for a home loan. I suggest going through a lender. It does not cost anything to ask questions right and who better that a professional company. This company can do 580 FHA with 3.5 down. You can send in an application online and have someone get back to you or you can call directly. They can tell you your options and even get you in touch with some great Realtors in your area. They are amazing tell them I sent you. Good luck on your home hunt.
Hello Mr. Rasmussen,
You have the right idea to rent since you are not familiar with Houston. Where are you moving from? Which part of town will you be working in? Can you give me some more information on the type of housing you are interested in? I can help narrow down some searches and send you information by email. Landlords want to know how many people, if you have pets, if you smoke, and also check your credit and criminal background.
If you rent a single family home, generally there is a one-month deposit besides the first month rent that is due. Apartments differ in the deposit, however, better to be on the safe side and assume one month's rent deposit as well.
Depending on the area and how far in advance you are looking to lease, it would be a good idea to lease ahead of time, because availability is getter harder.
I will be happy to help you with several resources, if you would like to work with me. Please email or call and I can give you an idea of the rental and purchasing processes.
Best wishes on your move.
Thanks for your service to our nation. While moving to TX also come with a lot of other benefits that are available to us Veterans including the the TX Land Veteran Program. Are you 100% disable or have you used you your VA home loan benefits before. These are key questions in helping to determining the best program for you get a mortgage. Please give me a call so we can discuss you situation in private.
BUYING A HOME (The process start with the Banker not the Realtor)
Start the process right 1st by talking to a Licensed Mortgage Professional to determine who much home you can afford and whether you are credit wordy and is there an ability to repay the loan.
The Mortgage Professional will give you a conditional approval letter to take to the realtor.
Once the realtor has found your home you should get it inspected to determine if it’s structurally safe (have the realtor recommend one locally) and be sure to ask your realtor to negotiate a home warranty paid by the seller.
Now is the time to determine and negotiate you rate and terms with the Loan Officer who is responsible to order an appraisal that you will be responsible to pay for prior to the arrival of the appraiser.
You’re Mortgage Professional / Loan Officer will be responsible to guide you the rest of the process and should not take more than 30 days.
Wherever you're located in this nation, you can trust you're working with a reputable mortgage banker - not a fly-by-night operation. Here's why.
Bank of England is partners with every major investor on Wall Street; allowing us to provide the best rates and terms on all mortgages.
We are approved by the Better Business Bureau and Bank of England /ENG Lending is the only mortgage bank among its competitors that is owned by a FDIC insured bank and did not need government bailout to remain solvent.
Bank of England loan officers don't simply facilitate the loan process; they act as "financial advisors," helping clients assess their finances on a larger scale. Whether you're self-employed and need a low-doc mortgage loan, or you're searching for the best rates on a jumbo home loan, your loan officer is here to find your perfect solution.
Get the facts about home mortgages from the experts at ENG Lending. Learn about different types of home mortgage loans and what to expect during the mortgage application process. Plus, find information about the current mortgage market and which mortgage myths you should never believe.
Let ENG's experienced Mortgage Bankers help you find a solution for your financial needs. Call or Email me to get a FREE copy of the top 25 question you must asked your loan officer before you do business with them. Benefit from my 21 years of experience answering the most common mortgage questions.
16800 N. Dallas Pkwy, Suite 290 | Dallas, TX 75248
Office: 972-646-2411 | Cell: 214-418-7022 | Fax: 214-614-4637
Bank of England /dba ENG Lending: NMLS# 418481... more