Comments for Homes for Sale Mass

Comment on What do you recommend I do to prepare for the real estate exam? by haygirlc

haygirlc — Fri, 18 May 2012 04:42:35 +0000

Make sure you know the terms. Make a list of the basic terms with definitions (comingling, all types of tenancy, easements, acre measurements, townships, medians, Fannie Mae, etc.) and memorize! I think I had about seven pages of such notes. If you know the terms thoroughly that is key to being able to answer the questions. Go through the test and answer what you know first and skip what you’re not sure of. When you have finished the “easy” questions start over and go through the questions again. Often you’ll have answered something and will be able to figure out what you weren’t sure of the second time through.

Comment on What do you recommend I do to prepare for the real estate exam? by kenny h

kenny h — Fri, 18 May 2012 03:58:43 +0000

Study…….well apart from that most people fail state exams because of fear , follow the guidlines of carrying only allowed items dress warm and comfortable go to bed early the night before the exam and relax

Comment on Refinancing disaster – mortgage consultants please help??? by frymail2005

frymail2005 — Tue, 15 May 2012 00:02:45 +0000

I mostly agree with the last response from Kevin..

We, as mortgage consultants need a little more information to truly give you a suggestion or advice…

As for filing a lawsuit, i really think you will be wasting your time..Just because the loan officer said he would refinance you again, and even if he put it in writing, in the end it is the LENDER that either approves or denies you…

So, you would probably end up spending alot of time and money in court, and not get anything accomplished…Im not saying dont talk to an attorney, but i wouldn’t get your hopes up thinking that they can help…

What i can tell you is that just because that lender cant help you dosen’t man no one can…

The thing is that EVERY LENDER IN AMERICA HAS DIFFERENT GUIDELINES IN WHICH THEY CAN LEND MONEY.. I myself work with over 100 different investors, so if you dont fit the criteria of one, we’ll find one that will lend to you..

What i suggest is to give me a call, and allow me to give you an analisys.. From there you will know exactly what you qualify for, and if it would make sende for you to move forward..

My name is Jason Fry, i work for Providential Bancorp, a nationwide mortgage lender. You can reach me at 312-264-6448, or email me at jasonf@providential.com..

Best of luck, and look forward to assisting you!

Jason Fry
Providential Bancorp
312-264-6448

Comment on Refinancing disaster – mortgage consultants please help??? by Mudisfun

Mudisfun — Mon, 14 May 2012 23:51:39 +0000

There is another side of this coin we are all not being told. Why will the broker not do the loan now? Maybe the lender they use has changed their program guidelines and now you don’t qualify for whatever you and your loan officer discussed six months ago. Maybe the rates are not lower now and with the new payment amount you don’t qualify. Maybe they snuck a pre-payment penalty in on you when they did the loan and now there is not enough equity in the property to payoff the existing loan, cover closing costs and the prepay?

I am just speculating here. What specifically did the loan officer tell you when he informed you that you can not qualify? Did they send you a denial of credit sheet explaining why you were denied credit? There should be some more communication going on here than what you have shared; if not then get on the phone with the LO and find out SPECIFICALLY why your not able to qualify now.

If you would like me to look over your situation for you and see if I can help drop me a line. I have over 100 lenders I work with so there should be a program for you.

Kevin 866-562-6838 x 106
kruorock@firstratelending.com

Comment on Refinancing disaster – mortgage consultants please help??? by Molly R

Molly R — Mon, 14 May 2012 23:51:10 +0000

I would take all the information you have in writing and go to the BBB. Also talk to a lawyer. I don’t know if you can do anything or not that way, but it is worth a try. The other thing you can try is taking to you local paper. They love that kind of stuff and you can really let everyone know what happened to you so that it can’t happen to them. Also the broker may try to make it right at that point.

Comment on Q&A: What are the advantages of using a realtor to buy a house? by George C

George C — Fri, 11 May 2012 18:37:07 +0000

If you don’t have any time to spare use a realtor.
If you do have time to spare and don’t mind doing all the work to save a nice chunk of money, then sell it yourself. It’s not hard and usually the real estate lawyer that will ratify the property transfer will take care of everything anyway. If you want to advertise your house yourself for free try http://www.cytadia.com …

Comment on Q&A: What are the advantages of using a realtor to buy a house? by THE SINGER...

THE SINGER... — Fri, 11 May 2012 18:03:34 +0000

You can buy a house on your own however, you must do a lot and I mean a lot of research about the laws, taxes, etc. A realtor is a person who is supposed to KNOW all the details that usually go on behind the scenes. Someone looking for a house usually has the asthetics as a major factor…they don’t think details. I used a realtor, and I might as well not have. I was in the house not one year and discovered that when it rains hard – the house floods. I have a feeling the realtor might have known that. The sellers definitely knew! When it was all said and done around the closing table – I was so tired and worn out from moving two houses into one, that I was glad it was over with. Then the rain came. And every year for the 6 years I stayed there – I was living in mold and mildew and it quickly formed a legion in my lungs and caused me upper resp. problems and asthma. Of course, the insurance company got out of it – the past owners denied it, the realtor – no where to be found – until it was too late. I say get a realtor and STAY ON HIS BUTT! They are supposed to work for you because they are after their commission – but some of them are snakes. Do your homework and make sure that you know everything that’s going on. Keep a diary and make your own phone calls. (yea, I’d call behind the realtor) but hopefully, you can get one that you trust. Everybody will have to signing up to contract you – obligate you to them – and then you can’t get out without being sued. Be careful who you select.

Comment on When refinancing a home mortgage, is it usually best to go through a lender’s national center or locally? by Mark

Mark — Tue, 08 May 2012 13:39:06 +0000

The best way to refinance home is to modify your existing rate in to a new rate which is lower than the older one. Even a 1% reduction of your existing mortgage rates will save you a good amount of money.

Comment on When refinancing a home mortgage, is it usually best to go through a lender’s national center or locally? by Debra J

Debra J — Tue, 08 May 2012 12:58:50 +0000

I would advise you to deal directly with your bank to refinance, mortgage
companies have this little thing called “selling your loan” ,which leads to bigger problems such as your taxes go higher,interest late fees are added & on statement you’ll receive other charges not explained in detail.
with your bank you know where your talking at and with whom and if you call again you know that your still talking to same people ,whereas
with mortgage branches you might live in PA but the person your speaking to is in California,Alaska,Oregon,etc. you never get a representative in the state you live in!

How well do I know,Been there ,Done that & Will never do it again!!!
Now my payments go from my bank to mortgage company bank with no middle man or paper work on my behalf
if my payment is late it’s the banks fault not mine and there is proof

Comment on Is Bwaney Fwanks making sure his voting bases stays happy? by Shovel Ready

Shovel Ready — Wed, 02 May 2012 03:36:44 +0000

One wonders who the heck votes for that guy. Sheesh.