Profile picture for Maria  Riggio

Maria Riggio's Advice

Contributions are sorted newest to oldest.

  • 28 Contributions
  • 0 Best Answers
  • 0 Helpful

Maria Riggio wrote:

How can we get the loan out of our name?

Answer
Hi kdaspin!It is definitely harder to get a refinance when you have negative equity, but it is possible.First:Contact an approved housing counselor near you. The U.S. Department of Housing and Urban Development Department sponsors housing agencies throughout the country to provide you with free professional housing advice.Visit HUD's website to find a housing agency near you (under resources).Another option is to contact a full service mortgage broker (I personally just refinanced and used E F Edwards Financial, a full service mortgage broker licensed here in Arizona; it was painless!). These folks can 'Shop' a loan around to several lenders, saving you from having to get a credit pull EACH time you try a different lender, and saving you from having to VISIT several lenders!Second:Ask your lender or mortgage broker/advisor for mortgage refinance options. For example, the government has created the Housing Affordable Refinance Program, or HARP. This program helps borrowers and lenders that want to refinance a mortgage even though the home is in negative equity. The HARP program accepts borrowers with mortgages worth up to 125 percent of the house's value; this is just an example, but definitely something to ask about!I hope this all helps! If I can assist anymore, or perhaps recommend someone for you (depending where in AZ you are), don't hesitate to contact me! Good luck! M~
November 29 2011
(0)

Any appraisal guidelines on how much value a finished basement can add?

Answer
I am not an appraiser, and I do not know what type of time you have, but I find this book to be very helpful. Perhaps it may help. Good luck! M~Bluebook of Reconstruction, Cleaning and Repair
October 27 2011
(0)

What is Make Me Move category

Answer
Make Me Move is a way to alert potential buyers that, for the right price, you would be willing to sell your home....choose a price, see what happens! Here is the website, and good luck!! M~http://www.zillow.com/make-me-move/
October 27 2011
(0)

How can I find out the property management agency who handles this residence

Answer
I'm not sure if this will help you, but I have used this resource in the past:http://www.narpm.org/search/search-managers.htmHope it helps!M~
October 20 2011
(0)

I need to try an establish "fair market value" for my house

Answer
I find this site to be a bit helpful as a starting point as well:http://www.homeinsight.com/Otherwise, Wetdawgs comment is on point. Hope it helps! M~
September 28 2011
(0)

How long does it take to process a VA loan ?

Answer
Hi Michelle,You can count on the whole process to take as long as 6-8 weeks, although it is not unheard of for it to go a bit quicker. Personally, mine was done in about 2-3 weeks. There are several steps to the process. Apologies if you are already aware of them, but here are a couple of guides that I find helpful.Look here for the official word: http://www.benefits.va.gov/homeloans/lp2.aspLook here for a helpful reference to the process:http://www.valoans.com/downloads/VALoans-101.pdfHope it helps, and good luck!! M~
September 27 2011
(0)

how do i flag a listing for fraud?

Answer
**WetDawgs Beat me to it**Hey Vikki,I'm not sure if this is what you're looking for, but here is my suggestion:Within the listing (in home detail view), below the pictures, select Edit. Here you can report a problem. It will have a drop down menu for a reason and it will require your e-mail address. Hope it helps! M~
September 16 2011
(0)

I need an email to contact customer service.

Answer
Hi Chris,I'm not sure if this will get you where you need, but here's what I have:http://www.zillow.com/myz ... rvice.htmGood luck! M~
September 15 2011
(0)

I am relocating to Phoenix want to rent a house, any suggestions?

Answer
Try THIS link....http://www.rentalinarizona.com/index.phpTracy501,Bad link on the last message...
September 15 2011
(0)

I am relocating to Phoenix want to rent a house, any suggestions?

Answer
Hi Tracy501,Yay for your relocation to gorgeous Phoenix!! Simply a suggestion, but feel free to contact Wendy Wicklund (http://www.rentalinarizona.com/index.php) for assistance with your rental needs.All I request is that you let her or Jeri know that you were sent by Maria Riggio with Rio Verde Realty in Sierra Vista! Good luck!! M~
September 15 2011
(0)