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Daniel Betancourt's Advice
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1 Best Answers
Daniel Betancourt wrote:
Refinance my 5 Yr ARM now or wait?
I suggest you "fix it" now. The risk vs reward of waiting are not in your favor. If affordable to you, I recommend fixing at the shortest term possible if you plan on owning that home long term. You will save 10s of thousands of dollars by shortening the term which is the equivalent of locking in an investment with a great return with little risk. Choose a lender that offers the lowest APR which can be found on the Truth in Lending (TIL) disclosure. APR is not the same as interest rate. Look for the TIL disclosure. Don't make the mistake of concentrating on interest rate or fees only. The APR factors fees and interest rate into the equation and the TIL disclosure will tell you the truth and should make the decision clear.Good luck!Daniel BetancourtWinter Garden Realtor
Can I get a mortgage to buy a home, but I'm not a legal resident?
You may want to research where to obtain a foreign national loan. Or look for a seller who is willing to offer you financing.
where can i get a loan for a condo in down town orlando if the ratio of renters to owners is too hig
My experience is that Wells Fargo will allow it with 25% down.
how do i list a home
If you are considering listing your home with a Realtor, which is recommended to get maximum exposure, I think your best bet is to communicate with friends or family to find out if they know of a good Realtor to recommend to you. Ideally, you should hire a Realtor who specializes or is very familiar with the area where your home is. If you get many solicitations from an agent in your area by mail, you may want to interview that agent in addition to at least one other. You should hire a FULL TIME Realtor who is very experienced. A recommended agent with these qualities is ideal.Thanks,Daniel
we hv poor credit due to bk,..want rental without credit check,if possible?
You won't know unless you try. Due to the economic crisis, many people have credit issues these days. Many renters are renting because they lost their home and have a foreclosure and/or BK on their credit. If landlords chose to avoid all people with BKs, they would lose out on a huge tenant pool. When people do a BK, typically they've removed all debt from their life so the risk is less. Most property managers do credit checks but what really counts is whether or not you can prove that the rent payment is affordable. If you can prove good reliable income and background, I wouldn't be concerned with your credit too much. Tell your story to the property manager and just try. Nothing to lose. Now if you have a poor rental history, income history and/or background check, that could change the circumstances.Good luck!
how do I end my listing? Thank you
If you wish to terminate your listing agreement, read your agreement to find out whether there is an early termination fee. Most agents do not charge one but typically listing agreements include a clause that holds sellers responsible for any marketing expenses incurred by the broker or agent. If you still wish to cancel, write a short cancellation letter and email or fax it to the listing office and agent.If you wish to cancel a Zillow listing, claim the listing and edit the info to remove it for sale or contact customer service.I hope this helps.Thanks,Daniel Betancourt, RE/MAX Realtor - Apopka Specialist
How normal is it that a potential Buyer wants to get contractors into the house for estimates before
It's not common but not unheard of. Typically a buyer would want to secure a home (have an offer accepted) before they ask contractors to come out and give them hypothetical quotes. Usually this type of service can be done during an inspection period, after an offer is accepted of after an inspector has identified repair issues. Good luckDaniel, RE/MAX Realtor
Can appraisers use townhomes outside of the association neighborhood when doing an appraisal?
Yes. Most appraisers try to use comps within 1 mile of the subject, whether in or outside of the subject community but most lenders want the value emphasis to be on comps in the same subject community.
I am a first time home buyer with good credit.Is there anyway to purchase without a down payment?
Some area in Central Florida allow buyers to use a USDA mortgage loan which requires no down payment. The property has to be in a "USDA Eligible" area. These areas are supposed to be mostly rural because this type of a loan was originally intended for farmers but most of the USDA eligible areas in Central Florida are truly suburban nowadays but they are usually not near the city center.I hope this helps. USDA Mortgages may be available in your area.Here is a website that may help you search http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
March 01 2011
What is the estimated closing cost on a condo in orlando that cost $17,000 and you are paying cash?
Title Fees may range from $300 to $500. Aside from that, you may choose to pay for an insurance policy at closing which could cost $500. Your Realtor's office may charge a transaction fee which could be in the $200 to $300 range. It sounds like you are buying a foreclosure. Some banks don't pay for title insurance which could cost you a little extra so your closing costs depend on many factors but if you plan for $500, you should be safe. Good luck with your new home!
March 01 2011