Profile picture for Howard Thruston   II

Howard Thruston II

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Premier Agent

24 Recent Sales (last 12 months)

Associate Broker , Utah, Arizona (9 years experience)

Specialties:
Buyer's Agent,
Listing Agent,
Relocation,
First-time Home Buyers

Advice

  • (55 Contributions,
  • 1 Best Answers,
  • 7 Helpful)

Contributions are sorted newest to oldest.

Is there aything I Can do?

Answer

I'm not going to pretend to know the answer to this question. I know a lot of mortgages will asks for more money than $3000 down, however, there may be county grants or specific loan programs that will allow you to purchase a home with no money down. Speak with a lender because he/she will be your best resource in determining what you're qualified for. Good luck!

  (0)
Financing

Answer

You'll never know unless you talk with a lender.

  (0)
How can your REALTOR help you when it comes to finance?!

Answer

Michael,    I have multiple "preferred lenders" who I use. I always give my clients the option to use them. I always ask my clients to shop around and go with who they feel will best serve their interests.

  (0)
Buying sooner than later and I have no idea what I'm doing!

Answer

To make this short, you should contact an experienced buyer's agent to get an idea for home values in your particular area. As for buying right now, you need to ask yourself, "How long do you plan to be in the area?" If you live in your area for let's say 3+ years, you'll have paid out a substantial amount of money. Buying a home can have many advantages. Even though prices have gone up, interest rates are still very low...Talk to an agent. 

  (0)
Low Offer... How Low is Too Low?

Answer

If there are no offers and the home has been on the market and it's not an absolute "have to have it" favorite home, I would come in a little lower on the comps side and go from there. It never hurts to also submit your research and a CMA to justify your lower sales price. You have to also take into consideration any repairs and the condition of the home compared to recent neighborhood sales. If the home has multiple offers, there's no way you can really write a low offer in order to win the bidding war. Find an experienced and smart realtor to help you out. Good luck!

  (0)
How difficult is it to purchase a HUD home?

Response

I'm working on two HUD offers right now for two different clients. Have your agent call the listing agent to double check on the status of your offer. Then have your agent get the number to the asset manager in charge of your home with HUD and follow up. There's always someone to talk to find out what's going on. 

  (0)
Can you help me to locate a good buy?

Answer

Zillow is a great resource to find top-notch agents. Look under the "Find a Pro" tab, type in the name of the city you'd like to buy a home in, and contact the top three agents with the most reviews/experience. This will be one of the best places to start. Good luck!

  (0)
can I cancel on an offer?

Answer

Yes, you can cancel or withdraw your offer as long as it's before the seller accepts it. In most cases you will give the seller a period of time to accept your offer. If the seller doesn't accept the offer within the given period of time, the offer becomes voidable. 

  (0)
I want to buy a house, but I have to sell the house where I live now. What do I do first, buy or sel

Answer

This is great since your in American Fork, because I work in all of Utah county so I feel I can best answer this question. With interest rates going up like they have been, who knows what they will do in the future. You can list your house for sale and still look for homes to buy. There is a form called the "Subject to Sale of Primary Residence" form which allows you to back out of a home you put under contract if you can't sell your current home within a given period of time. In fact I just filled one out about 20 minutes ago. This gives you great protection, because then you don't have to worry about paying two mortgage payments. 

  (0)
Which company is the best for a VA Loan?

Answer

USAA is great for VA loans, however, there are many mortgage brokerage companies who can get you very competitive rates. Talk to three experienced agents with years of experience and ask them who they recommend. Then call those lenders and shop the best quote. This will be a good start. 

  (0)