Cash buying in the UK from the US Real Estate |
- Cash buying in the UK from the US
- Those who *were* planning on selling this year, but held off - what’s your game plan?
- My first listing was 1.5 million and it just closed escrow ��
- Realtor yard signs
- First Time Buyer: Realtor send to be adamantly pushing us from buying cheap and renovating?
- In a 2-way competing offer situation, are realtors required to disclose existence to both parties or are they allowed to disclose just to one to leverage a better offer to a higher price?
- Inspection shows voids under walls of crawl space
- Help. Ex wife, refinancing questions
- Florida - I Forgot To Disclose HOA Fee - Supposed To Close Tomorrow - HELP!
- Southern California Escrow probably won’t close on time due to Buyer side
- Just bought a house in CA, there was a leak that created a hole in my ceiling. Now my real estate agent wants me to sign a contingency removal form. What should I do?
- Neighbor issues to avoid when buying?
- Advice on situation/is it REALLY a good idea to buy right now?
- Bought my first Bay Area condo and I am getting anxious by the day
- USDA home loan
- Home buying rn. Dry market..
- [PA] FSBO, dealing with buyer realtors
- Inspection question
- Low down payment bc 2% interest?
- Divorce during refinance
- Delay
- Landlords: am I wrong for breaking lease due to harassment?
- Considering a plumbing inspection, have some questions
- MD: Home has been abandoned for at least 2 years, probably more. Not listed for sale. First steps to inquire about it?
- Reinvesting my profit from sold property.
| Cash buying in the UK from the US Posted: 22 Sep 2020 01:28 PM PDT My wife and I are contemplating buying a home for our parents who are in the UK and in their 70s but rent and the uncertainty of whether their rent will increase, their landlord will sell etc.. is starting to cause them significant concern. We can cash buy a small home for them. Has anyone done this? i.e. bought a home in the UK, whilst living in the US. The biggest headaches I can think of: Transferring funds to the UK to facilitate the purchase If they want to pay rent what options exist to collect it? Any guidance on tax implications here in the US (and anything in the UK to think about as an overseas buyer?) Thanks [link] [comments]  |
| Those who *were* planning on selling this year, but held off - what’s your game plan? Posted: 22 Sep 2020 10:10 PM PDT Anyone here previously plan to sell their home in 2020, but (for obvious reasons), put on the brakes? Are you still wanting to sell but waiting? Have you just decided to stay put? Are you waiting for prices to calm down before having to move and buy your next home? Have you set in your mind a timeframe to consider selling again (Ex. spring 2021)? Obviously this is going to be specific and vary per person, just curious to see what would-have-been sellers this year are thinking! Thanks and stay safe 🙂 [link] [comments]  |
| My first listing was 1.5 million and it just closed escrow �� Posted: 22 Sep 2020 10:41 PM PDT Hopefully this encourages other new agents who see this post stay frosty and call till your ears bleed [link] [comments]  |
| Posted: 22 Sep 2020 10:36 PM PDT This is just a rant that I need to get off my chest. I had a falling out with a realtor and as a result she sent me an invoice for $70 for the replacement of her yard sign. The original yard sign was discarded after being left at my house for over a year without any expectation or mention of returning it to her. In anger I posted a scathing yelp review and attached a screenshot of the invoice onto her yelp page. The next day, after cooling down I removed the review. https://imgur.com/a/z2jNt80 The second realtor I used didn't get the sale after the contract expired. 3 weeks pass and his sign post and yard sign are still in front of my house. I message him telling him to come pick up his yard post. Then he asks about his yard sign which was an overlaid sticker affixed to a much larger yard sign that I owned. He told me it cost him $180. I told him to eat it. https://imgur.com/a/z9b6brS Damn realtors and their yard signs. Next time I use a realtor I'm going to write it in the contract that all advertising will be paid for by the realtor, and any lock boxes or yard signs must be removed within a week of the sale or contract expiration date. I will not be held responsible for anything of theirs left on my property. Thanks for reading. Have a good night everyone. [link] [comments]  |
| First Time Buyer: Realtor send to be adamantly pushing us from buying cheap and renovating? Posted: 23 Sep 2020 03:32 AM PDT First time home buyer with my fiance, budget is $400-450k in Dallas metroplex. We've recently seen a listing for a ~$300k home in our top preferred location (schools, proximity to things, etc.), but the house is in its original state from the early 80s (wood panel galore, original kitchen, the works). My inexperienced brain is like "cool, we can get a relatively cheap house and put $100k into totally renovating it down to the studs since we originally budgeted ourselves for $400k+!". But our realtor seems to be dissuading us from that, basically saying that, that amount of renovation doesn't make sense because it would raises the value higher than the home is worth. Nicely updated homes in the same neighborhood, with similar square footage, are easily selling for $400k+ right now though, so I'm not understanding the logic. I know "every-weekend-there's-a-project" houses are, in general, difficult for first time owners, but this is something we can see ourselves in for 10+ years (we're not trying to flip it and make a profit). A friend mentioned maybe our realtor is trying to push us into a more expensive home to get a better commission, but we've been given no reason to think that's the case. However, I admit it is nagging at the back of my mind. Then again, I know nothing about real estate and am solely relying on the expertise of our realtor. Any advice on this? [link] [comments]  |
| Posted: 22 Sep 2020 08:32 PM PDT I'm representing seller here. Both buyers with separate agents. Offer 1 had bad condition dates but a higher price and no pre approval. Seller wanted to use the existence of that offer to increase the price of the second offer. Didn't want to disclose to the first one because she didn't want the first one to back out and be left with just one. Last minute the other offer bumped price a bit. Offer one didn't have a pre-approval letter. We didn't have a chance to disclose this increase and decided to accept it. Other realtor is complaining I was not fair because I did not disclose the other offer to them (as if that would have changed their ability to provide a pre approval). I believe I represented my seller and provided them with the best contract and terms. The first offer had a pretty number (16k above ask) but god awful conditions and no pre-approval. The second offer was 5k over ask and they last minute bumped to 10k over ask which my seller then accepted. They liked the pre approval and dates more. I believe I did the right thing for my client with using leverage but I also believe I may be in violation of some realtor code of some kind. What are your thoughts? [link] [comments]  |
| Inspection shows voids under walls of crawl space Posted: 22 Sep 2020 11:54 PM PDT We paid for a pre-offer inspection on a reasonably priced older house we're interested in buying. The inspector seemed positive about this house - much more so than a previous house of same era he inspected for us. He said the house is in good shape overall, but he pointed out a couple of voids (holes in the earth) under the crawl space walls. How common / serious is this issue? What usually causes it? The concrete walls of the crawl space are not cracked, and the subfloor above them seems level. There are just a couple of voids that have formed beneath the walls. One looks almost like an animal burrow, but there's no sign of animals or digging. The house is a 1960s ranch with a full poured basement under most of the house. The basement has opening along one side to a small crawl space that runs under the kitchen (which forms an "ell" off the rest of the house - but original to the home). The crawl space floor is dirt (dry), and the crawl space walls look like poured cement a couple of feet high. The "voids" have formed beneath the concrete walls, which still span them and are in contact with earth in most places. In the report, our inspector wrote, "Recommend review by a foundation contractor, view pictures of crawl space, there are voids under the walls of crawl space. Recommend filling voids to prevent movement." He didn't seem terribly concerned, and verbally he indicated we could ask the sellers to have the voids filled before buying the house. He also mentioned that ideally we'd install vapor barrier in the crawl. I live in an area where basements are more common than crawl spaces, so I don't have much experience with crawl space issues. As crawl space problems go, how big of a deal is this? Size wise, it seems to me like they could be filled with 4-8 cubic feet of rock. Is a specialist needed - and do we need to oversee this work ourselves - or is this the type of issue we can ask the seller to perform? I don't mind spending $1K to address this issue, but if it's a $10K issue then I will want to factor that into what we offer for the home if we move forward. Thanks so much! [link] [comments]  |
| Help. Ex wife, refinancing questions Posted: 22 Sep 2020 05:55 AM PDT My ex wife and I bought our home 2 years ago. She lives there with my kids and current boyfriend. My name is on the deed and title, her name is just on the title. She is paying the mortgage. The house has been appraised at over 80k what we payed . I guess my question is when my ex refinances she wants to put it all under her name. Would she have to " buy" it off of me? Am I able to profit? [link] [comments]  |
| Florida - I Forgot To Disclose HOA Fee - Supposed To Close Tomorrow - HELP! Posted: 22 Sep 2020 05:46 PM PDT So I am selling my first home and it's part of an HOA in Jacksonville, Florida. We are supposed to close tomorrow and I just got a call from my agent, who is also a friend of a friend (so I trust him and also don't want to screw him). Long story short, there's an HOA fee that I was not aware of that came up on the title form this morning as the buyer's responsibility. I disclosed the quarterly dues, as I pay them and know about them. However, there's a $1500 "capital contribution fee" from the HOA too that applies to all sales. I was not aware of this since it's not something I pay regularly, although I assume I paid it when I bought the house from the builder. I signed a HOA disclosure form stating the quarterly fees but the buyer is upset that I didn't disclose the $1500 transfer fee he is responsible for. It was an honest mistake/error on my part. Now here's the real problem - I can't afford to pay it as I already had to borrow money from my brother to cover the costs of the sale and the listing agent reduced his commission for me. I noticed the HOA disclosure has two lines that got my attention: 8 - THE STATEMENTS CONTAINED IN THIS DISCLOSURE FORM ARE ONLY SUMMARY IN NATURE, AND, AS A PROSPECTIVE PURCHASER, YOU SHOULD REFER TO THE COVENANTS AND THE ASSOCIATION GOVERNING DOCUMENTS BEFORE PURCHASING PROPERTY. 9 - THESE DOCUMENTS ARE EITHER MATTERS OF PUBLIC RECORD AND CAN BE OBTAINED FROM THE RECORD OFFICE IN THE COUNTY WHERE THE PROPERTY IS LOCATED, OR ARE NOT RECORDED AND CAN BE OBTAINED FROM THE DEVELOPER. This leads me to believe that there's a bit of "buyer beware" here since the $1500 fee is in the HOA docs and the buyer had every opportunity to read them. These docs are on the HOA public website for anyone to access. Furthermore, the buyer is the son of a very well-known real estate agent in town. I think it's safe to assume he should have know better and should have reviewed these documents as part of the sale. Anyway, am I on the hook for this extra $1500 or is it up to the buyer to do his research? I shouldn't have a problem selling the home if we kill the deal but I really don't want to start the process all over again, and I don't have $1500 to make it right. My agent is asking his boss but I also want to see what you guys have to say. Please help! Thank you! [link] [comments]  |
| Southern California Escrow probably won’t close on time due to Buyer side Posted: 22 Sep 2020 11:31 PM PDT We have had 2 extension of time amendments totaling 2 weeks because of a significant repair that needed to be done. Today (9/23) is our scheduled closing date. The repairs are all done, however, I was informed that the Buyers will be signing their loan documents in the morning (9/23). I'm in Los Angeles. Is it possible to close today (9/23) if that is when the Buyer signs the loan docs? My basic understanding is escrow officer has to send the loan docs back to lender, and they review the docs, and then issue funds, and then deed needs to be recorded before keys are transferred and it is not done in one day. Do I need to do anything to protect myself as the Seller? Do I need to send another ETA to the Buyer for 1 day? Is missing the closing date by a day or two enough for either party to break the deal? I do not want to break the deal, but I am slightly concerned if Buyer wants to based on final walk through done the other night and getting cold feet. Also the property in question is a furnished investment property. I have had the unit mostly packed and ready to move on day of closing, but I do not want to move everything out of the unit if for some reason the deal falls through, so I'm keeping everything in there until I know the recording is on its way to be confirmed. [link] [comments]  |
| Posted: 22 Sep 2020 10:41 PM PDT The house it a two story house. The hole is in the ceiling of the first floor right below the master shower. I had an inspection done and the inspector signed off with minor issues but nothing related to the plumbing. Sale goes through, escrow closed and we're moving in. On Sunday I showered in our master bathroom and no issue. On Monday morning my wife showered in the master bathroom and i wake up to a giant hole in the ceiling. I Call our real estate agent and he gets real nervous telling us to use our house insurance but instead I call my house warranty people. All of the sudden I get an email just a few minutes ago and it's a contingency removal form. I'm not signing it until I get an attorney. Can anyone explain what that form is and is there anything they can do if I don't sign it. And should I pursue legal action against the inspector? [link] [comments]  |
| Neighbor issues to avoid when buying? Posted: 22 Sep 2020 12:32 PM PDT What are your bad neighbor stories? What would cause you to walk away from a home purchase based on potential bad neighbors? We found a beautiful home in a neighborhood we like, but during the showing, the neighbors nextdoor got into a big fight and one person threatened to kill the other. The walls are thin so we could hear the woman crying and screaming from inside and outside (no one was hurt or injured!). We spoke to some neighbors and apparently it's a big extended family that lives nextdoor so they get into fights a lot. Nothing serious. Their house is also a bit of a mess outside (overgrown lot). It's a city lot so everyone is smushed together. We're hesitant on moving forward. Our agent thinks it's no big deal. What would cause you to walk away from a home due to potential neighbor issues? [link] [comments]  |
| Advice on situation/is it REALLY a good idea to buy right now? Posted: 22 Sep 2020 08:15 PM PDT Hi, all! I would really appreciate it if I could get some input on this. My mother (and father) really would like to buy a house right now. According to her, "rates have never been lower" and since 7 years have passed since her foreclosure, she is eager to buy a home. She has a low credit score, her financial history is all over the place, and has $8k (though this number may change due to rent, expenses, and other factors) currently in her account. My father just goes along with what she wants, though he has been more vocal on waiting until they can save more money. She's been speaking to a lender and a realtor. I personally do not trust either of them, as I have listened in on conversations they've had with my mother and both seem a bit pushy. My mother has expressed wanting to wait and, on a few occasions, they have dismissed her or persuaded her to keep going with the search for a home. The branch manager has also encouraged my mother to leave her lease, claiming he can get her out of it for a minimal payment of $1k, and has told her that he can "get her a house for $500". My questions are: 1) What exactly does it mean when someone says, "rates have never been lower"? Both my mother and the loan officer have stated this but can someone please explain it to me? 2) Is "a house for $500", a program that I'm not aware of? It seems that my mother is going along with this statement but from my knowledge, she doesn't qualify for down payment assistance due to her credit score. I'm not quite sure what this program would be. 3) Based on the market and the (admittedly very minimal) information given above, should my mother buy a home? Are there any tips for people who are looking to buy a home right now? 4) Is it normal practice for loan officers and realtors to be so pushy? Is it legal for a loan officer/realtor to encourage someone to break a lease in order to buy a home? I have spoken to the branch manager and his aggressive tone makes me even more wary/concerned about who my mother is dealing with. She is a minority with a foreclosure on her record. I worry that they may be taking advantage of her eagerness to buy a home. I'm sorry, I know this is a whole essay, but I've doing my own research and wanted to see if people had any knowledge/thoughts on the situation. Thank you! Edit: just more information that may be helpful to know for those wanting to give their input -My mother did prequalify for a loan through the company this loan officer works for. She did not shop different lenders, which is something I'm concerned about. Again, the representatives from the company seemed pushy and dismissive (raised voice/aggressive tone when I voiced my concern about my mothers situation, dismissed my mothers concern about wanting to wait and save up) so my gut is telling me to steer clear.
-Her prequal amount is lower than most of the houses/areas she seems to be interested. [link] [comments]  |
| Bought my first Bay Area condo and I am getting anxious by the day Posted: 22 Sep 2020 12:38 PM PDT First things first - I made my decision after a LOT of thinking, brainstorming, evaluating my options and its been a month since I moved to my new condo in Bay Area. I really like the place and I don't have a single compliant with it. But, as the days passed by, I began doubting my decision and starting getting anxious thinking about the following:
etc... My wife keeps telling me we really thought through this before taking the plunge but my fucked up mind is not acknowledging that. Coming from a poor family, I have fought my way up to come to this position of being a home owner but I am unable to enjoy what I have. :( P.S: I know for a fact that I am not a good decision maker and I keep doubting my decision even for minor things and this is a truth test for me ! [link] [comments]  |
| Posted: 22 Sep 2020 10:20 PM PDT Can anyone give me info on how income is used on this loan? I still live with my parents but am making money and looking to buy a home. [link] [comments]  |
| Posted: 22 Sep 2020 01:56 PM PDT Anyone else house shopping and finding hardly any new listings? I'm looking for a house with some acreage and there's just nothing new being posted.. [link] [comments]  |
| [PA] FSBO, dealing with buyer realtors Posted: 22 Sep 2020 04:00 PM PDT First time FSBO. Had an open house. Quite a few drivebys, not many stopped. could be my price, or house wasn't appealing. Or some games being played? Saw a couple doing a slow drive by day after the open house. Flagged them down and showed the house. They said they mentioned it to their realtor, and he said it was "too soon" to see it. They love the house, and the realtor called me last night to set up a showing today. Had another guy call and ask about it. While showing it, asked if he was using a realtor. He said he was, but she said wasn't allowed to show it because it was FSBO. I think he was surprised to learn that you don't need an agent to buy a house. Maybe they are avoiding it because they see I'm not keen on paying their full commission? The realtor I met with today wanted 4% because "he would have to do all the work". Later after I emailed him the sellers disclosure and seeing that i already had a prepped sellers agreement ready to be filled in and signed, he replied back said he would take the standard 3%... Is there a point where a realtor can't legally get involved? And what exactly is involved for the buying agent once the agreement is signed? Chasing the inspection and working through that report, negotiating repairs/price? chasing the bank for the appraisal and getting the mortgage finalized? Bought my new house without an agent. opted for no inspection. dealing with the bank was a few phone calls, and a weekly email ping to see how things were going. [link] [comments]  |
| Posted: 23 Sep 2020 12:40 AM PDT So one thing that came up on a property inspection today was that the entire garage walls are sheet rock - not textured or finished. I should have the inspection report in the morning but my realtor was concerned with this. What could be the reason behind something like this? I don't know a ton about this... curious if I need to get another inspector or contractor to take a look, could this be hiding damage? [link] [comments]  |
| Low down payment bc 2% interest? Posted: 22 Sep 2020 07:12 AM PDT We're in the process of buying a house and we got our interest rate and it's 2%. That seems really low to me and made me contemplate going with 5% down instead of 20%. We're almost positive that we'll want to build an addition soon so I think it might make more sense to keep the money we have on hand instead of putting down 20% and possibly getting a different loan to expand later on. It'll just be more loan costs and probably higher interest rates, right? I'd really appreciate any thoughts. Am I missing some important piece of info that makes this silly? Thanks! E: nm, fuck it, we just signed the paperwork! Closing on a home we're in love with in 3 weeks!! 😁😁🎉🎉. Best of luck to everyone [link] [comments]  |
| Posted: 22 Sep 2020 03:11 PM PDT My husband and I were halfway through the process of refinancing our house when he decided he wanted a divorce. He is now attempting to remove me from the new mortgage. He even went as far as to ask our loan officer if there was a way to remove me, seemingly without my consent. He says it makes sense and that it would be the smarter decision for me to just sign away my part of the mortgage. He says I would remain on the title of the house, just not the new mortgage. He is making it seem like it's the reasonable thing to do. I am here looking for any insight or advice on this matter. He is admittedly smarter than me in the finance/ real estate world. To me, it seems like he is trying to bamboozle me out of this investment. Am I dumb or is this shady? [link] [comments]  |
| Posted: 22 Sep 2020 04:28 PM PDT Could anyone offer any insight. Made application many many months ago finally found the right home and offer was accepted. Loan officer processes application as expected been in contact with this loan officer for almost 6 months prior to application being submitted. Did my research LO has been in the business many many years with a very high closing rate. LO notified me a few weeks into the contract that he/she was no longer employed by this lender and my file would be transferred to a different loan officer. New LO reaches out and explains everything fast forward inspection, appraisal, earnest money initial disclosures, rate locked have all been done. One week before closing LO informs me I will receive Closing disclosures 3 days prior to closing for review. 3 days prior to closing arrives no word yet from LO after reaching out received a returned call from LO with manager stating our closing would be delayed because all files left by original loan officer are being "internally audited". I keep being told it has nothing to do with us but we aren't being told any additional information other than we don't know file is being audited. No timeline given or anything no one seems to know anything we've even been told by 2 reps from company that they've never seen this before. Any advice? [link] [comments]  |
| Landlords: am I wrong for breaking lease due to harassment? Posted: 22 Sep 2020 06:09 PM PDT My husband and I signed a 1-bedroom lease in September 2019 and the lease was set to end November 1st 2020. The reason we signed this lease is to give ourselves enough time to save for a down payment to buy a house. 1-month after moving in, we started receiving several noise complaints from our downstairs neighbor for WALKING AROUND! She would make complaints on a daily basis and sometimes the complaints were made when we weren't even home! We asked the property manager for help and they validated that the complaints were not valid. About 3-weeks into numerous complaints, our neighbor started calling the police to make a noise compliant. We have police come to our door about 15-20 times. We never got a warning or ticket because each time the police did not see any noise that was disturbing the peace in our building. There were a few moments when police was called when we weren't home or in the middle of the night. After 12-weeks of harassment, our property manager said her hands we tied so we decided to contact the corporate office for help. The regional manager of the leasing company got involved and tried to ask our neighbor to move to another unit since she was the one who had a problem. She refused to move or leave. She also threaten to take us to court for the noise. At this point, we have two choices: continue to be harassed and possibly taken to court over non-valid noise or we move into a different unit. We decided to keep the peace in the apartment building and move. However, with this move, we have to extend our lease term to get the same price as we were paying in our current apartment. Fast forward a few months, my husband and I continued to follow our money saving plan. We saved our deposit, we found a house and we are planning to close on our house in October 2020. Here's the problem... our original lease was set to end November 2020. Our goal was to buy a house by this time and we did. However, we had a horrible neighbor below us. In order to get out of that situation, we felt forced out of our current unit and into another. However, our property manager wouldn't match our current lease payments unless we extended the lease term slightly. We contacted our property manager and the regional manager about finding a house and moving out. They said since we are breaking the lease, we would have to pay 3-months of rent in order to break the lease. I've been arguing that we didn't even want this lease in the beginning and we moved to keep the peace within the apartment. I understand that they don't want to lose money so I agreed to pay 1-month of rent to help give them time to find a new resident but am I wrong for wanting to get out after everything we've been through? [link] [comments]  |
| Considering a plumbing inspection, have some questions Posted: 22 Sep 2020 09:23 PM PDT We had a general inspection today on a house we are in the process of buying, it was found that there are some tree roots around the sewage line. I'm thinking a full plumbing inspection would be a good idea, we didn't get the full report back yet but is this something we can get the owners to pay for? And if we can how does that work? Would we select the plumber and then they would just get invoiced or some other way? What's the usual course of action for something like this? I'll be talking to our agent and lawyer when we get the full report just looking for some info going into that. [link] [comments]  |
| Posted: 22 Sep 2020 09:01 PM PDT There's a house in my neighborhood - an older home, built in the 50s - essentially collecting dust. It appears (it's pretty obvious) no one lives there and hasn't for at least the 2+ years I've been here. It appears to be a decent corner lot in this neighborhood which is a mix of old & new homes (old neighborhood but with some new homes built in the last 0-10 years in the split or unused lots), but the house has been overtaken by nature and is now an eyesore. I wouldn't expect it would be refurbishable and would probably have to be demolished and the shrubbery cleared out. Every time I see it, I wonder what the hell is happening with it: why it's been empty, who owns it & why aren't they keeping up the land at least (I've seen the grass cut only once, I think), and if no one owns it, why it doesn't have a foreclosure hit nor a 'For Sale' sign up... and also why these developers who threw up these new homes here (many are by the same builders who built new singles & duplexes) didn't snap this property up to build on. My entrepreneurial side is twitching from the potential opportunity, but I want more info before scrapping or pursuing a wild idea, since it would only be my second property (my first is my current home I live in here). That all said, my questions are, how do I inquire about it? Who owns it? What if there's a dead body inside? Then more forward-thinking, how much are demolition costs, typically (looks like maybe a 1000 sq ft house or so, on a 1/4 acre maybe...?)? How do I look for a home builder, and how do I estimate land costs vs. new home costs against loans & potential investment profit? How long does it take to build & sell a home from this point if it's actually available? Where do I start?? Any guidance to get the ball rolling would be appreciated. [link] [comments]  |
| Reinvesting my profit from sold property. Posted: 22 Sep 2020 08:40 PM PDT So I just made 123k on my house. After people are paid off I'll be left with 95k. Do I have to reinvest that automatically or can I just have it sitting in a savings account until I'm ready to invest. [link] [comments]  |
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