Profile picture for Valarie Kubacki

Valarie Kubacki

Zillow Local Expert in:

  • Portage
  • 46368

The Local Expert badge is awarded to those who have made valuable contributions in a specific city or neighborhood on Zillow. Local Experts are active Zillow users who share their real estate knowledge and help others by contributing high-quality content at a local level. The more and better the contributions a user makes that relate to that city or neighborhood, the more likely an award will be granted. Users' contributions can be seen in their profiles.

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Agent

Managing Broker (7 years experience)

45 Recent Sales (last 12 months)

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

Advice

  • (77 Contributions,
  • 3 Best Answers,
  • 13 Helpful)

Contributions are sorted newest to oldest.

We owe more on our home that it is worth. What can we do?

Response

It depends what you are planning to do if you are looking to sell a short sale may be an option. If you are looking to stay then call the company you have the mortgage through and see if they are part of the harp program.

  (0)
can you buy a homepath with a va a loan ?

Answer

If the home does not need repairs it must fit the VA guidelines. The home listing should say what kind of financing it will take. Generally if it will take fha it will fit VA guidelines. Find your self a good buyers agent and they will be able to tell you what financing the home will take. You will want to interview a couple buyers agents in the area to find out which agent is the most knowledgeable about financing.

  (0)
Contract purchase

Response

See an attorney immediately there is no one here that could or should give you legal advise on this. I know they are expensive but it will be worth it. 

  (0)
need a certified short sale agent - lender boa for a house in 46184

Answer

Interesting that you say make an offer there is a lot that goes into a short sale. I see the property is not currently on the market. There is a ton of paperwork that goes into a short sale and the home owner would be the one that would have to start the short sale process. I see you are from California and if this is a family member there are also rules about arms length transactions. 

  (0)
How do I find the name of a curernt owner?

Answer

https://www.invoicecloud.com/portal/(S(cvkw2cficb34gfmdd3y3au45))/customerlocator.aspx?iti=8&bg=3a912998-0175-4640-a401-47fabc0fc06b&vsii=1

  (0)
Thinking it is time to buy my first house. Will I be turned down?

Answer

You definitely need to contact a mortgage broker. You have a lot of factors going on with student loans they can be tricky on how they are figured into your debt to income ratio. Credit score sounds good but I am assuming that is only one credit bureau. In the area that you are in there are a lot of great homes and you are right to want to purchase as opposed to renting.

  (0)