My best advice is to try to get a friend, family member or co- worker to recommend someone they really had a good experience with. There are a lot of details in new construction. The contract paperwork needs to be very exact and very thorough. A recommended and seasoned agent is your best bet.
I am still convinced that folks should not knock it until they have tried it. Northwest Alabama has some of the friendliest people in the world. Southern Hospitalty is still alive and well.The lakes and rivers are exceptional for boating, fishing and recreation. We have always had a stigma that we are not highly educated and do not have beautiful property to offer. This is a total misconception.The university in my hometown hosts students from more than 62 countries. It is a clean and beautiful campus.Where else in the world can some one find a new 4 bedroom, 2 bath brick home w/ an office that has GRANITE for $148,900. Insurance approximately $550.00 per year and property taxes about $600.00 per year. Concerning climate, there can be some warm summer weather BUT we are not up to our eyeballs in snow in the winter either. I have had the honor to work with clients from New Hampshire, Florida, Michigan, New York etc... and we all feel like it is a wonderful secret. I do not know why WETDAWGS has a problem w/ the obesity rate in our state. Is that really a factor in a move? Maybe its the sweet tea and cornbread!
My biggest concern on refacing an oak cabinet would be the wood grain that would still be on the base cabinets. I have seen oak cabinets painted and the grain shows through it. With refacing, typically the doors are replaced to update the look of the cabinetry. The base of the cabinets would usually be re-used. In 8-10 years the cabinets would no longer be new if you replaced them. I do not think any significant value would be added. If you think you would enjoy them enough to pay for them and use them while you live there- replace them.
In most cases concerning a "short sale" the loan is marked partially satisfied. With this being the case, the mortgage company could come back at some point and try to collect the difference in the monies. They usually don't but they could. Occasionally, they will send paperwork to closing saying that one is satisfied especially if it sells close to payoff.
You need to look for an agent in your area that you trust. You may want your agent to find comps that are most similar to your property. Ask your agent to show you thru competing listings that are most similar to yours. Make a marketing strategy for your property with your agent from there.
Difficult situations happen and sometimes foreclosure is the only answer for some folks. It will likely be many years before you will be able to get a mortgage through a bank. You may want to make efforts to rebuild your credit over time. A lease purchase may be an option. Owner financing w/ a long balloon term may also work.
During the "short sale" process the bank can decide not to cooperate any more and just foreclose. I have seen it happen many times. It can even happen after the bank has agreed to other terms.
You may want to consider letting a property management company handle the lease of your current home. Since you are moving out of state, a management company should be able to handle all the details of the lease, collecting rent, and possible repairs when needed. You should be able to use the lease on your home during the mortgage process to offset the house payment on your credit.
Are the infestations active problems or previous problems? Is the seller definately agreeing to pay for damage and treatment if needed?I know termite free homes are rare in the South.Will you be having a home inspector check the structure? You may also want a second termite company's opinion.
I personally think that you should talk to the bank yourself. You need to know how long it will take after the credit cards are paid off that it will take to update to your credit report. You need to know how far off your credit score is from being loanable. You need to take control of the situation with the lender so that you can make important decisions. In my opinion, it should not have taken months to hear the news that some debt has to be paid off. Maybe you want to talk to other lenders about your scenario.