I would strongly endorse Linda for anyone looking to purchase a home. I was a first time buyer here in the USA and Linda guided me through the whole process. Nothing was ever too much trouble for her and she was always able to find an answer to all of my questions. After a couple of false starts Linda was able to find me the perfect home and I couldn't be happier. I would say to anyone that was looking for a realtor that will go that extra mile, choose Linda, she won't give up until she has found you your perfect home.Douglas LawsonLinda is a fabulous, hard working agent! I am a real estate appraiser that met her on an appraisal job. I knew from the way she worked so hard for her client (with an idiot for a listing agent) that she was great! When it was time for me to buy, I knew exactly who I wanted to use and dug her number out of my files. Linda is one of the only agents whom I've come across in my profession that I would recommend to a friend, and have! :) She is always on top of things!!Cara Paoliello
Answers (22)Displaying: 22 Most Recent AnswersAnswered: Jun 30, 2013Hi Lourdes, The purchase of a home involves many steps the first of which is getting qualified for a mortgage. If you need a referral to a lender, a professional real estate agent can recommend one. Your agent can then guide you throught the process of making an acceptable offer on the home, inspections and other important steps in your purchase. Best of luck!Answered: Jun 15, 2013Mary, doc stamps and title insurance fees are determined by the sale price of the home. The doc stamps are calculated as .70% of the sale price. A schedule of title insurance rates determines that fee. The seller also pays the Realtors' commission and a recording fee and a title company fee. If you are interested in more specific calculations email me or call me at 407-314-6600. Good luck.Answered: May 6, 2013The seller will enter into one contract with a buyer and that contract will be sent to their lender for approval. The list price may or may not be acceptable to them depending on the value that they determine. Getting your offer in early in this competitive market is important and having representation of a real estate agent that know the market and understands the short sale process can certainly help. Contact me if I can help. Linda Kaufman RE/MAX Central RealtyAnswered: Feb 28, 2013In answer to: Can you provide more pictures of this propertyMercedes, The MLS requires one photo and while it is best practice to show as many pictures of the home as possible, it is not always possible. Also if the listing is new, they may be waiting for a photographer or to upload them. The most effective way to get an accurate idea of whether the house suits you is to visit it in person. If I can arrange a showing please let me know.Answered: Apr 23, 2012Hi Jean. Yes your daughter can buy a house in her own name. If she will need financing she needs to have acceptable credit and income. There are also "kiddie FHA" loans where a parent can co-sign. Of course if the purchase will be a cash purchase then nothing should stand in her way. I'd be happy to discuss further and refer you to a mortgage professional.Answered: Apr 12, 2012Mimi, yes buying a short sale can take an average of 4-6 months. The reason is it requires the approval of the seller's lender and the banks are overwhelmed with files. A foreclosure is quicker but often you are competing with other offers. The purchase of a normal, traditional sale typically takes 30-45 days. Call me if you have any more questions!Answered: Mar 30, 2012Finding an agent who is familiar with financing options is important. Your agent should also be knowledgeable of the current real estate market and finding a home that will qualify for a VA loan. The key is to working with a competitent mortgage professional who has experience with the VA product. I have several good professionals that I work with. Contact me for more information.Answered: Mar 14, 2012In answer to: 1st time buyerMost condos no longer qualify for financing and need to be purchased with cash. You may want to consider a townhouse, a villa or even a single family home. If you would like to discuss your options call me.Answered: Mar 6, 2012Good morning! Congratulations on your plan to purchase a home. This is a good time to take that step with low prices and interest rates so low. The first thing you need to do is contact a mortgage lender and get pre approved for a loan. If you would like the name of a great loan officer who can do that and also educate you on the process, call me at 407-314-6600.Answered: Feb 3, 2012When a property has been foreclosed, in other words the bank has already taken it back at the foreclosure sale, it really doesn't matter what amount was owed by the previous owner. The bank will list it for sale based on the current market value. If the home has not completed the foreclosure process and is not yet owned by the bank, the attorney handling the case will have that information and of course so will the bank. Regardless of the amount owed, the bank can only expect to sell it for market value. Any additional liens need to be satisfied as well.You need to work with a Realtor experienced in this type of sale.Answered: Jan 29, 2012Typically it is easier to rent a 2 bedroom than a 1 bedroom. With regard to the method of purchase Some properties such as condos do not qualify for financing and require cash to buy. If you need assistance with a specific property give me a call.Answered: Jan 15, 2012In answer to: is there a property tax lien against the houseIf the property is an REO or bank owned asset, then outstanding taxes have been satisfied when the bank took back the home. A buyer would purchase the property with clear title. If the home is being sold as a short sale, any outstanding taxes would be paid as part of the negotiation with the seller's lender.Answered: Jan 8, 2012Many Realtor's work closely with mortgage lenders who can determine your qualifications for a mortgage. Having great credit is a good start. Your income and debt to Income ratios determine the amount you will be able to borrow. Contact me when you are ready to begin your purchase!Answered: Nov 11, 2011Rose, it's not a silly question. The homeowners association in a condominium maintains the common grounds and the building exterior including the roof. In a single family community the fee maintains the common grounds, the roads within the community and the gate if there is one. While the HOA helps to assure the quality of the neighborhood in which you invest, it is important to consider when determining your return on investment. It is a fixed cost that will reduce the amount you earn from rent from a tenant. Linda Kaufman RE/MAX Central RealtyAnswered: Oct 15, 2011Check with a professional lender to see if your credit is high enough to qualify for a mortgage. If you have some outstanding medical or other debt, try to pay thrum off first. This will help improve your scores . Good luckAnswered: Oct 15, 2011I suggest you check with a professional lender first. Your credit may not be as bad as you think and you may be able to qualify for a mortgage. If not, many lenders can recommend what steps you need to take to raise your scores. Often it can be done in just a few months.Answered: Sep 17, 2011The listing agent that represents the seller is responsible for marketing the property to find a buyer at the best possible price. With that in mind, a buyer that works with his or her own agent has representation to negotiate the best deal for market conditions.Answered: Sep 8, 2011Doug, I closed on a home in that area last week built in 1999 with a similar price and the annual premium with an A rated company was $870.Answered: Sep 8, 2011The cost will depend on several variable. The type of construction, the replacement cost of the home, does it require flood insurance, etc. Typically what I see is an annual premium between $1000 and $1500. I have a couple of good insurance brokers that will find the best policy for you.Answered: Apr 25, 2011In answer to: O5012542 is this home still available?No it actually went under contract in January. Let me know if I can help you find another!Answered: Dec 14, 2010I suggest contacting a good mortgage professional for that answer. There may be other criteria to consider. If you would like to call me at 407-314-6600 I will be able to provide you a few names.Answered: Dec 14, 2010In answer to: what are taxes on houses in florida?Taxes depend on the city and the county of the property and are based on the millage rate there and the assessed value of the home.
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New on Our BlogFannie Mae Makes Several Changes to Conforming Loans Thu, 05 Dec 2013 21:00:18 GMT by Shashank Shekhar In the recent release of its underwriting platform called Desktop Underwriting (DU in short), Fannie Mae has made several changes to Conforming loans guidelines. Let’s look at the highlights: No more 40 Year and Interest Only Loans – Fannie Mae has retired loans with amortization terms greater than 360 months, which means no more 40
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