Future Military Homeowners - Latest Comments

Re: 4 Simple Ways to Start your House Hunt

Louisrusso — Tue, 08 May 2012 23:02:08 -0000

Simple 1. Get pre approved with a real bank and not fly by night mortgage brokers. 2. Interview several Buyer Agents and IF you can find a PURE buyer agent or an agent who ONLY works buyers and never sellers, even better.
3. Stay away from USAA unless you want to pay higher interest rates, higher closing costs and take average of 17 days longer to close or If you want a realtor who is a SPECIAL USAA Realtor who they try to steer you to one, well they will do their best to steer you to higher commission and more expensive homes. Why, well because they have to make up for the 37% of the commission they have to kick back to USAA. Anyone USAA suggest you use kicks back to them and thus higher cost to you !!. Bottom Line get your own Realtor, Mortgage Bank, Home Inspector etc. USAA NOT your friend.

Re: Talking Credit with Your New Spouse

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Re: Talking Credit with Your New Spouse

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Re: Americans Still View Homeownership as Part of American Dream

Tabatha Jaeger Steele — Tue, 24 Apr 2012 13:05:47 -0000

You never actually own your own home or your own land or anything for that matter. The "American Dream" is a myth. If you don't agree with that statement try not paying your land taxes or IRs for a little while and see how much of what you "owned" suddenly isn't yours anymore. Not to mention the many people out there that have lost their homes and lands due to 'Imminent Domain".

Re: What To Expect From Closing Costs

Charlothar7 — Mon, 23 Apr 2012 22:51:12 -0000

I am constructing a new home via construction loan and then refi via mortgage broker. This is going to require me to pay to sets of closing costs. What could I ask my builder to pay for?

Re: What Military-Friendly Real Estate Agents Can Do For You

Johnnyb — Sun, 22 Apr 2012 09:32:22 -0000

Right on point

Re: Americans Still View Homeownership as Part of American Dream

Cblume07 — Sun, 22 Apr 2012 03:01:11 -0000

I would like a home loan. To buy my "forever" home, my first ever home. But I have made a mistake in my life. I ALWAYS PURCHASE EVERYTHING I OWN IN CASH. That is not allowed in today's society. I own a S.U.V. valued at $11,500.00, a 4 door/ french door fridge valued at $3,200.00, a 5 burner gas stove valued at $1,200.00, the set of front loading washer and dryer with pedestals valued at $2, 550.00. not to mentions multiple other items. I pay my rent each and every month, my utilities every month, my life insurance, renters insurance, auto insurance. and still this is not good enough. I have a steady income (higher than a lot of people as a single person. and still this is not good enough. my credit score is a 571 ? from one credit agency. The other two have nothing on me. I have two checking and savings accounts. and you say it still not good enough. So you know what you can do about your saying "do you want your dream home" stick it where the sun doesn't shine! You tell me I must get 3 not 1, not 2, but yes 3 credit cards and spend on each of them 1/2 the value! why must i go into debt just to buy a home? I would think that would be counter productive! Go into debt, see if you can pay those on time for x amount of time and then we will talk about a loan! WTH? how about i pay my rent each month i have NO debt. but sadly it counts for NOTHING . the American dream has become a myth, unless of course your in debt. and owe up the ying yang then i guess that is the dream. work to pay your bills, work to rent. There is no honor in having no debt. there is no reward for being smart enough to stay out of debt anymore. and you ask about the American dream. Shame on you.

Re: 4 Questions for Single Homebuyers to Consider Before Buying

CapitalismALoveStory — Sat, 21 Apr 2012 19:54:51 -0000

637 isn't a great score so you're going to have a higher interest rate as someone that has a decent score such as 760 & up. Go on a website that offers calculation of your payment. Put in 7% interest on $120,000, look at the payment. Now change it to 3.625 and look at the payment. HUGE difference.
At least renting you can walk away and not take it in the ass so much. There are SO MANY short sales & foreclosures right now that it's easy to see what can happen if you aren't prepared for what may happen in the future. Tired of paying rent I understand but when a person who built a house 10 years ago for $300,000 now has it on the market for $180,000 and ends up getting $155,000 they are pretty much screwed...many times for life.

Re: 4 Questions for Single Homebuyers to Consider Before Buying

Georgeb937 — Fri, 20 Apr 2012 19:10:07 -0000

Credit score is only on 1 agency and is 637 >Tired of renting > where can I get help form high rent ??

Re: Working With Customers to Build Credit and a New Future

Rockywhite73 — Tue, 17 Apr 2012 21:47:41 -0000

I asked for help on my credit about 3 or 4 months ago, havent heard nothing since, I am 100% disabled , dont have very bad credit, but its not the required 620.

Re: What’s Stopping You? Hold-Ups and Solutions to Buying a Home

Mcapps13 — Tue, 17 Apr 2012 17:08:01 -0000

Is it a bad idea to try to buy a home when your in your early 60's??? Will financing make you go 15 years instead of 30?

Re: Steps To Home Ownership: Fixing Credit Mistakes

Louisrusso — Mon, 16 Apr 2012 22:39:17 -0000

First mistake is going to USAA for your loan. Higher interest rates higher closing costs longer to close and even though it's against the law they steer you to Their Special Real Estate Agents Why is that well so they can get a kick back of 37.5% of the commission back to USAA then USSA gives you a token amout to make you think they are hero's. Well you can do better with your own realtor and save money with rate and closing costs/ Don't be fooled USAA not your friend !!

Re: 5 Simple Ways to Improve Your Home and the Environment

Usmarine1969 — Mon, 09 Apr 2012 12:29:01 -0000

i just buy steer manure or chicken manure. recycle garbage back to earth... no big deal with this bullshit
of saving the earth. for whom?

Re: 5 To-Dos Before You Renovate Your New Home

Hiram Pasha — Sat, 31 Mar 2012 23:02:34 -0000

this all makes sense to me, before you jump into something you might be sorry for later investigate it, live in it, then after you own it, after the paper work is completed then you can asked to change things if you are allowed by the feds & the government

Re: PCS Guide: Judge a Neighborhood From Afar

Dena L. Stevens — Fri, 23 Mar 2012 07:04:18 -0000

Love these suggestions, I'd like to add one more.

Visit Youtube and see if anybody posted not only videos on houses in a particular area but videos on area activities. For Canon City and Fremont County I like to do video slide shows of local events like the Harvest Fest, Car Shows and the river rafts coming in after a day of rafting on the Arkansas River. I think it gives new buyers a sense of what the community on the whole is like.

Re: Mortgage Prepayment Can Save You a Bundle

Shannon Jernigan — Wed, 14 Mar 2012 05:11:05 -0000

I have looked all over this program and cannot find a way to join. I am a DAV, USN, retired CPO. I am a Texas Realtor in ElPaso, TX . I am an owner/agent of Skye Brokerage LLC. Can someone help me out here? Thanks, Shannon Jernigan

Re: Working With Customers to Build Credit and a New Future

rickeyd412 — Sun, 11 Mar 2012 19:02:12 -0000

I am too far in the hole to try to get a VA home loan right now, but I could use a small business grant of about 2,500 and I sure do need help getting my credit back together with a few defaulted student loans, and some tax arrears. could you all get me on track?

Re: Veterans Win Massive Wrongful Foreclosure Settlement

INC — Sun, 26 Feb 2012 00:52:09 -0000

This is only good for active duty service members correct? Not veterans who have been out of the service.

Re: The New World of Cheaper Closing Costs

Gene Newton — Thu, 23 Feb 2012 02:12:19 -0000

I have tried to go on line but it says my username is already used. I tried that and it indicated Failed.
Please give me info on how to log on.
Thank you
Gene Newton
genenewton@comcast .net

Re: 4 Tips for Buying Your First Home Together

Wserback — Thu, 23 Feb 2012 01:12:52 -0000

love the tips ty hope to see more tips ty

Re: 5 To-Dos Before You Renovate Your New Home

Cptchiro — Tue, 21 Feb 2012 08:48:07 -0000

we are getting a new home and want to make changes, but have decided to live in the house for a month before any big changes. Cosmetic change is cheap and easy, new floors and kitchen and bath remodels need some time to consider. Your life may not require your Dreams about the house.

Re: Veterans Win Massive Wrongful Foreclosure Settlement

BRENDA SHORT — Mon, 20 Feb 2012 13:46:10 -0000

VETS READ! Lose your home 2 FORECLOSURE? btween 01/01/06 call DOJ @ 1-800-896-7743. GOOD LUCK!

Re: 4 Tips for Buying Your First Home Together

Md Osgood — Thu, 16 Feb 2012 10:20:20 -0000

Great advise!

Re: Dress Your Home to Sell With Quick DIY Fixes

James Kane — Tue, 07 Feb 2012 17:21:32 -0000

Is there a list of requirements that I can check before the inspector comes? What should I make sure is up to date...

Re: Adjustable or Fixed — Which Loan Is Best For You?

TWOEAGLESSOLAR — Mon, 16 Jan 2012 15:38:15 -0000

FIXED IS BEST FOR ME . I NEED $89,000.00 TO BUY THIS HOUSE BUT THE LAND(3+ACRES) HAS ALOT OF TREES ON IT AND I USE SOLAR PANELS TO GENERATE MY ELECTRICITY SO I ALSO NEED AN EXTRA 10,000.00 TO CLEAR THE LAND . CAN I GET IT ?