Profile picture for Tricia Ziehler

Tricia Ziehler

Agent

1 Recent Sales (last 12 months)

CDPE, GRI (12 years experience)

Specialties:
Buyer's Agent,
Listing Agent,
Foreclosure,
Short-Sale

Advice

  • (11 Contributions,
  • 1 Best Answers,
  • 2 Helpful)

Contributions are sorted newest to oldest.

What are some of the things to look for when buying a Condo?

Answer

All condo associations have a one page Q & A form, start there. Your Realtor should get this for you along with the condo docs - Read them! Most important, check any current or future special assessments. Good Luck!

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can we get fha loan with under 620 credit score

Answer

You can get an FHA mortgage with 10% down payment. This does not have to come solely from you. Family members or the Seller may help with the down payment, but you must contribute at least 3.5%. You may also borrow money from your retirement account. Good Luck!

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can we get fha loan with under 620 credit score

Answer

You can get an FHA mortgage with 10% down payment. This does not have to come solely from you. Family members or the Seller may help with the down payment, but you must contribute at least 3.5%. You may also borrow money from your retirement account. Good Luck!

  (0)
what happens if a mortgage is charged off?

Answer

Creditors will rate your payment history using letters and numbers. Letters do not change, M= Mortgage, R= Revolving Credit, I= Institution Loans. Numbers are what you are concerned with 1 is best and 9 is a charge off.  M9 = a mortgage charge off. Typically a charge off occurs once you are 180 days late. After 3 months of the modification re-check your credit history.  The past late payments will not go away for 7 years, but the new, on-time payments should post. Good Luck

  (0)
How do you research a property elevation certificate?

Best Answer

Elevation certificates are normally done at the time of the survey at an additional cost. FEMA Flood Maps have recently changed, but if you are only considering the property and don't want to spend money just yet, go to your local county's property appraiser's office. They have quite a bit of free information. 

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Is it better to have your home built? I live in Florida and want a nice home on an acre

Answer

When you have a home built, it is to your specifications. Like buying a new car, you will pay more to have exactly what you want. Take into account the time it takes to build, if you are not in a hurry, it is wonderful to own brand new - never lived in. Check on financing, not everyone qualifies for new construction finance. Melbourne is one of the best kept secrets in Florida.

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Is it posssible to buy a home with bad credit my score is 607 ?

Answer

Yes, You can use an FHA mortgage with 10% down. Seller's may contribute to part of your down payment and you may receive 100% of the down payment as a gift from a family member. Additionally, you may borrow from your retirement plan. As previously posted, find a loan officer to help you raise your credit score by 13 points and you will only need 3.5% down payment. 

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Buying A Short Sale Property

Response

Clair is correct. You should look for an agent with a designation such as CDPE  -- Certified Distressed Property Expert. As a Buyer's Agent on a short sale I ask the Listing Agent if I may handle the negotiations on behalf of the Seller and use my Title Agent as the negotiator. This way the listing agent still feels in control and someone that works full time in negotiations is handling the process.  Here is a great article and call me anytime for advise  www.shortsalehelp.com   

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Where in the world did you get that price from? It's not even close...

Answer

Zillow is only a computer generated source of information. Comparable homes within a certain radius are used. County tax record information is also used. To find the most accurate value of your home you can either hire an appraiser or call your local Realtor for a complimentary market analysis.

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