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Ryan Smith's Advice

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  • 45 Contributions
  • 0 Best Answers
  • 7 Helpful

Ryan Smith wrote:

my realtor suggests offering full price then waiting for the appraisal to come back lower is this ok

Answer
If you make a full price offer make sure you're covered by the appraisal contingency clause.  This way if the property does appraise for less than contract price you can negotiate for a lower price (the appraised value) or cancel the contract without losing your deposit.  Best of luck!Ryan Smith
November 06 2010
(0)

refi again after 4 months...

Response
Ask for proof that your rate has been locked and a Good Faith Estimate.  Best of luck!Ryan Smith
November 06 2010
(0)

Commission on new construction?

Response
The builder will pay your agents commission.  Your agent will have to check you in or register you as a client in the builders sale office.  In my market, I've seen builders pay 2.5% to 4%.  Many builders are offering great incentive packages for buyers.  Ask your agent for details.All the best!Ryan Smith
November 06 2010
(0)

Disputed our tax assessment by sending in comps. Got no help. any advice?

Answer
Hello luckynlam, some good answers below.  I have a friend who appeals property taxes for a living.  Let me know if you would like to talk with him...perhaps he can give you some valuable insight.  Just contact me from my profile page.Best of luck!Ryan Smtih
November 06 2010
(0)

THERE IS NO UNSUBSCRIBE UNSUBSCRIBE UNSUBSCRIBE UNSUBSCRIBE, I HAVE TRIED TO THIS FOR THREE MONTH

Answer
Has this issue been resolved yet?  Have you tried contacting customer service?  
November 06 2010
(0)

how to assume a foreclosure loan

Answer
The first thing you must find out is if the loan is assumable.  Some are while others are not.  Most conventional loans are not assumable.  The lender will make sure you qualify to assume the loan.  All the best!Ryan Smith
November 01 2010
(0)

Expanding search areas

Response
Hello Mitchrex, that's a great question.  Unfortunately, I don't have any answer to it.  I can contact someone I know at zillow and see if they can answer it.  One way you can search multiple areas is with a custom search from an agent.  Contact a local agent in your area and give them the specs or details for your search criteria.  You will receive updates via email when a new home hits the market that matches this criteria.  I hope this helps!Ryan Smith
November 01 2010
(0)

I want to know if there's any way my husband and I can buy a house?

Answer
Hello Juniawalker.  When you say your husbands score is bad, how bad is bad?  Have you considered working with a professional and reputable credit repair company?  Some of clients have used a company I know of and they have seen great increases to their scores.  One client increased their score by 100 points within 4 months.  Keep in mind, each persons credit profile is unique.  You can contact me from my profile and I'll give you the name and contact of the company.Best of luck!Ryan Smith
November 01 2010
(0)

If I short sell my home for less than I owe do I walk away debt free?

Answer
Hello Janwar, that will depend if your loan is the original purchase money loan (the loan you bought the home with) or if you performed a cash out refinance.  I agree with Sharon, you should consult with a tax professional. You will be issued a 1099 regardless if you short sale or foreclose.  When considering listing your home for a short sale, make sure the agent you select has closed short sales successfully.  Ask them to provide you with the short sale approval letters from previous sales.  You want to make sure they know how to negotiate the short sale on your behalf and have your best interest in mind.  I hope this info helps.  Let me know if you have any other questions by visiting my profile.  All the best!Ryan SmithLic # 01334440
November 01 2010
(0)

There is inaccurate information on my listing. How do I go about correcting this information?

Answer
Hello Bridge4th, Zillow takes the information that was recorded at county recorders office.  This info will not have any impact on your home or its value.  If you really want it corrected, contact the agent that helped you buy this home and asked them if they can help you get this corrected at the title company.  I hope this helps!All the best!Ryan Smith
October 26 2010
(0)