iRealty Flat Fee Brokerage
iRealty Flat Fee Brokerage, Inc.
Vanessa Carlson, Illinois Broker
If you owe money and have a below average credit score you may find it difficult to get a mortgage loan. In view of these facts, you may find interest in asking a qualified real estate agent help you find a home. These agents have a database full of houses that stream from land contracts, bad credit approval, and so on. The real estate agent may help you find a home you can buy despite how bad your credit maybe. 

If you have outstanding debt, the lender will inquire about your credit history and debts incurred. The lender will ask if you have any outstanding loans, and if so, what amount do you pay monthly. In other words, if you have car loans, you will need to supply the balance owed and the amount paid monthly toward the loan.

Lenders will ask about credit card debts. If you reply yes, then the lender will ask how much do you pay monthly. Overall, the lender will ask how much monthly do you spend on incurred debts that come from your pretax salary on credit card repayments etc.

You will need to answer questions pertaining to assets, which includes cash on hand. The underwriters will investigate information relating to the questions. For example, they will examine and ask, "What is the estimated amount in your banking account?" How much funds will be available in your account after you have paid closing fees, down payment costs, and other fees applicable to mortgage loans. Do you have a saving account?

The lender will ask how much cash do you intend to apply to the loan. The lender may ask also if the down payment is money coming from your pockets. If the answer is no then the lender will ask where the money is coming from...

Loan Purpose 

The loan purpose is of interest to the lender. Accordingly, you will respond to questions relating to the purpose of the loan, which includes, are you refinancing a current home, or are you an innovative buyer?

Refinancing Mortgage 

If you respond to the question pertaining to the loan, letting the lender know that you intend to refinance a current home with the money lent; the lender will ask, "Do you require cash at closing to repay debts? Of course, the question that follows will be, "How much" cash will you need to pay the debts in full?
 
 

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What my clients are saying  

I worked with Vanessa a couple years ago to sell a house in the suburbs. Her assistance was professional & affordable. I would recommend her to anyone willing to show the property themselves and will certainly use her again when the need arises. Sincerely, Marc J

 

~ Marc J.

We found Vanessa when we decided to sell our house FSBO. We ended up getting our offer on the first day. Many think that this is a simple process, that they take pictures, write up a description and place on the MLS. What you don't see is the amount of work that goes into the process, pulling comps, getting the price exactly right, the negotiating process, communicating with all the involved parties, etc. etc. We originally choose Vanessa based on cost, only $299 out of pocket seemed like a no brainer but what you don't know is that she handles I cannot stress enough that she is your acting broker, you are selling FSBO but she acts and works as your broker. The only difference is that she does not take a percentage of your profits, she only takes her nominal flat fee. It is very surprising how she does this, why she would want to do this. I am guessing it is for repeat business which I am sure she gets a lot of given that she is a true professional and hard worker.

 

~ Christin R

Future home sellers, I want to let you know that I have been very impressed with the professionalism I experienced with iRealty. Vanessa Carlson kept me abreast of the steps required to complete the home sale process. When I had questions she responded quickly and offered helpful advice. She worked hard to help me sell my home. I recommend her to anyone desiring to work with a true professional. Marie Cooper

 

~ Marie

We wanted to take the time to say Thank You! for such a wonderful job you did in helping us sell our home. Your professionalism and your warmth made it easy to work with you. I have to say that you definitely went beyond the scope of work for us and if that is your company’s philosophy you should be very proud of that. In todays economy, having our house listed on all of the web sites you subscribe to was truly a benefit. We wish you well in your business and will gladly contact you again if we have any other properties for sale. People can’t believe when I tell them how reasonable your service is and the fact that the difference in selling it through iRealty directly vs realtor/broker commissions is huge. It allows a seller to be a bit more flexible knowing that they have that cushion. Thanks again for all of your efforts and we would be happy to serve as a reference for any iRealty prospective clients that you may have.

 

~ Frank and Debbie

For 2 years we had our house on the market with a Realtor. We had some showings but no offers.even though our whole house was updated. We decided to try one more time to sell; however, this time we would sell the home by ourselves. A few days after we put a sign on the lawn and on the corner advertising that our home was for sale By Owner we met Vanessa at a home show. She explained her services and she was down to earth and seemed so genuine that we decided to give her a try - especially since the home was still By Owner; we just now had perks of having the home being advertised as if I had a realtor. We had it up for sale for 6 months and had 3 contracts on the home and we did recently close. Vanessa was great to work with and even recommended a lawyer for our closing. The difference was truly amazing. I would recommend Vanessa and IRealty to anyone.

 

~ Cherie and Carl

Hey Vanessa, Thank you so much for all the help you have given me with this property listing. Choosing to use an alternative form of listing service was a gamble, but this has turned out very well. From the beginning the service has been exemplary with a well thought out, well constructed, user friendly web site; prompt replies to my various calls; and above all, truly professional service. I will certainly recommend your brokerage to others. Thanks for everything and please feel free to use me as a reference.

 

~ Denise

Nothing but good things to say about Vanessa,she was very thorough in everything she did. She was my agent on a number of properties and i had no hesitation recommending her to some of my friends.In a tough market her experience and professionalism was invaluable and when i need an agent again i would immediately call Vanessa.

 

~ Vinny

I was very fortunate to meet Vanessa at the right time in this interesting real estate market. Her professional manner and knowledge of current conditions were very helpful in managing a profitable sale. I look forward to working with her again.

 

~ Aaron K.

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