The Alderfer Group
Experts Questions and Answers
Mar 2
2010
posted by Merlin to Hilde Stapgens :
Views (15)
Water cisterns are quite common in the Homer Area and therefore are acceptable for most loan programs. Some loan programs have some restrictions. So, be sure to mention this to your lender as soon you have selected a property. [ more ]
Mar 2
2010
posted by Merlin to Hilde Stapgens :
Views (18)
For most loan program nothing special is needed as long the on-site systems are working fine. As always, some exceptions do apply. So be sure to mention the existence of the on-site system to your lender early. [ more ]
Mar 2
2010
posted by Merlin to Hilde Stapgens :
Views (17)
Good question. In part it depends on how quickly you can provide all the required documentation to us. In general I can give you a prequalification in less the 24 hours. However, it may be subject to receipt of a number of supporting papers. [ more ]
Mar 2
2010
posted by Merlin to Hilde Stapgens :
Views (19)
For credit approval we need to document your income and sufficient funds to close. What documentation is needed will depend on your income source. Typically it will consist of pay stubs, w2s, tax returns and bank statements. Additional documents may be required specific to your income source... [ more ]
Mar 2
2010
posted by kathy to Hilde Stapgens :
Views (17)
Somebody once told me “it is a fool’s errand to predict the interest rate”. That statement holds true today. Too many dynamics influence the shifting of interest rate every minute the market is open for trading for there to be real certainty. We may favor locking vs. floating... [ more ]
Mar 2
2010
posted by Kathy to Hilde Stapgens :
Views (17)
The credit report and other documentation shouldn't be older than 90 days. Once we have the initial application and documentation it is pretty easy to keep a file current. [ more ]
Feb 24
2010
posted by Peg to Franco Venuti :
Views (22)
Most home inspections require approximately one & one half to two-hours on site. Writing the report & formatting the photographs obviously takes longer than that. The average inspection consumes approximately five to six hours (or more) of my time. It is always a good idea for... [ more ]
Feb 24
2010
posted by emily to Sheldon Beachy :
Views (27)
Yes, we have an one year warranty on new construction. [ more ]
Feb 17
2010
posted by Peg to Hilde Stapgens :
Views (17)
That is a good question. The detailed answer is pretty long. You can read more about it in my Blog or the IRS web site. Links to both are below. Here is a very brief and general synopsis: The homebuyer tax credit is a dollar for dollar reduction of your tax obligation. If you already... [ more ]
Feb 8
2010
posted by Robyn to Hilde Stapgens :
Views (9)
Unless you have the cash available for the entire purchase price you want to get pre-approved early on. It will help you decide what price range you are looking for. Most importantly, it will uncover any potential surprises with your credit or income calculation. Now you can address... [ more ]
Feb 4
2010
posted by Peg Belcastro to Franco Venuti :
Views (38)
Yes. [ more ]
Feb 3
2010
posted by Amy to Franco Venuti :
Views (33)
A home inspection is an on site evaluation of the structure and systems of a home.
An inspection report will review the condition of the property's site, the exterior of the structure, the roof, attic, and visible insulation; the home's heating and environmental ventilation systems, plumbing and... [ more ]
Feb 3
2010
posted by Robyn to Franco Venuti :
Views (36)
The City of Homer does not have a Building Inspection Dept. [ more ]
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