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So we are looking for a home but like many people, do not want a back breaking mortgage. I've found many homes for short sale and that are in foreclosure here in Georgia. I have not yet been able to determine which homes are better and cheaper to buy. Some sites list all of the homes with photos and detailed information. Some sites only list one photo of the outside of the house with very basic information and for the frustrating ads, some sites list a satellite photo of the house with the general statement that "this home is in foreclosure". blah blah blah. IDEAS please.
Buying a property via short sale could be time consuming. For some reason the banks are not responding in a timely manner. I consider a timely manner withing 72 hours of the offer being submitted. As I understand it once you have submitted an offer there could be anywhere from a week to 2-3 months before an answer is received. Yo appear to have the horse before the cart. You indicated you did not want a back breaking mortgage, which would indicate you did not have a pre-approval/pre-qualified letter from a mortgage banker or broker. Buying a house is a step by step process, this is the first step you should take in order to purchase a house. The rest of the steps will fall in place, no matter the type of property you are purchasing. In order to find out the type of loan programs you are qualified for you will have to fill out a loan application, with a mortgage broker, which you can find one in your local telephone book. Make sure this mortgage broker or mortgage banker is able to do government loans such as FHA and Muscle Shoals loans if you qualify for one. With a Muscle Shoals mortgage loan you are not required to have a down payment, this will save you on closing cost. He will fill out this application, which takes awhile so grab your favorite beverage and sit down. Once you have completed the application, he will run your credit report which will have your credit scores. These credit scores will determine your interest rate. The amount of your monthly debt payments you are required to pay as per your credit report and the amount of mortgage you can take on based on your income will determine the amount of house you will be able to purchase. When you speak with the mortgage broker you will need the following documents to complete the loan application, there will be others, but this will get you started. #1 One month of pay stubs for each person that will be on the mortgage. #2 Six months bank statements from each bank in which you bank as well as statements from any 401K from you place of employment. #3 Two years of federal income tax along with the W-2 that match. Once he has all that he need to do he can then issue you a pre-approval letter so you can purchase a home. In this pre-approval letter will be the amount of house you are qualified to purchased. Once he gives you this pre-approval you may now find a real estate agent to find yourself a home or he might have a referral. Now make sure before you get your pre-approval you and your mortgage broker go over all your options as to the mortgage programs you qualify for, the interest rate, monthly payments. If you are getting a FHA, fixed rate, two loans to eliminate PMI like an 80/20 or one loan, if you are qualified for and approved for a 100% loan. You should select the loan that best suit your financial condition at the time. That could be an adjustable rate loan. It could be a fixed rate loan for 5 or 10 years and then adjust. Some adjustable rate mortgages only adjust once. Make sure your mortgage broker explain all your options so you may make an intelligent decision. What might be good for one person might not be good for you, in other words just because your friends and all your real estate buddies are telling you about the great fixed rate they got, your financial situation might call for something else. So select the best option for you and your financial situation. You should also get a Good Faith Estimate (GFE) which will indicate the cost you will have to pay for getting this loan. It will also indicate the amount of your down payment. Once you have found a home the real estate agent will then prepare a contract for you and the seller to sign. Your mortgage broker will now order an appraisal to show proof of the property value. The mortgage broker might ask for additional information or documentation, don't get all up tight this is normal, just supply the information or find the documents needed. After the appraisal has been completed you will be called by your mortgage broker to sign your loan docs so you can take possession of your new home. Before signing any loan docs make sure they say exactly what you and your mortgage broker went over when you decided on what mortgage program was best for you. I hope this has been of some benefit to you, good luck "FIGHT ON"
I feel you on this back breaking mortgage. First figure out how much you are approved for a mortgage. Though the bank may approve you for a specific price, try to find a home lower than what your approval price is. Foreclosure and short sale homes can be a GREAT buy if you pay attention to every detail and make sure there is nothing that will pull you in a hole such as taxes, damage done to the home, the neighborhood, etc.... Just so you know, there are home that went into foreclosure where people will break in and steal everything from the toilets, kitchen cabinets, ceiling fans, etc... so when you go look at the homes, take all into consideration. Make out a list of things that are important to you and take that list to the home viewings. Ask questions, hang out in the neighborhood, talk to the neighbors, etc. Practice negotiating skills and you could end up with a great buy.
First off you will need to go and see the home before you make any sort of decision to buy. Short sales are where the owner has problems with their loan and have an agreement with the loan company to put the property up for sale at a price which is below what they owe on it. However you can go all the way through the process of buying the home and then a couple of days before final closure the bank/loan company change their minds and you are then back to the start. Foreclosure sales are where the bank has taken procession of the property and have put it on the market. The price asked is the monies the loan/bank want for the home, however like anything esle this could be negotiable. Normally the purchase of foreclosure homes means 'sold as is' situations. You are well advised to seek professional help and advice with any of these types of purchase, all 't's need to be crossed and all the i's dotted. Please don't be put of by all of this just be very careful and the very best of luck with your search.
Neither one is necessarily better or cheaper, although buying a short sale can require a lengthy bank approval process. you really have to spend a lot of time looking at houses to find a good deal. it has to be a house you like in a good location. and it's better to buy a crappy house in a good neighborhood than the other way around. you can fix up the house but not the neighborhood. finally, look at how many days the house has been on the market and if it's been reduced in price. when the house has been on the market a long time, the buyers are more likely to accept a lower offer.
There are a lot you can find at www.google.com