{"id":14795,"date":"2018-09-21T14:05:44","date_gmt":"2018-09-21T18:05:44","guid":{"rendered":"https:\/\/rubyrealty.com\/2018\/09\/21\/the-success-of-a-sale-and-purchase-begins-with-the-first-contact\/"},"modified":"2018-09-21T14:05:44","modified_gmt":"2018-09-21T18:05:44","slug":"the-success-of-a-sale-and-purchase-begins-with-the-first-contact","status":"publish","type":"post","link":"https:\/\/rubyrealty.com\/en\/2018\/09\/21\/the-success-of-a-sale-and-purchase-begins-with-the-first-contact\/","title":{"rendered":"The success of a sale and purchase begins with the first contact."},"content":{"rendered":"

Seller and Property Information<\/strong><\/p>\n

    \n
  1. Name of owners according to the deeds<\/li>\n
  2. Identification (government issued and expiration date)<\/li>\n
  3. Telephone numbers, e-mail, postal address<\/li>\n
  4. Deeds (send complete deed to the bank)<\/li>\n
  5. Legal capacity (request court documents)<\/li>\n
  6. Out of PR…power…<\/li>\n
  7. Non-resident (withholding tax at closing, capital gain – 10% unless prepaid)<\/li>\n
  8. Capital Gain<\/li>\n
  9. Divorced<\/li>\n
  10. Assessed for tax purposes?<\/li>\n<\/ol>\n
      \n
    • Exemption…taxpayer<\/li>\n
    • Exemption…to the veteran<\/li>\n
    • Calculate possible retention<\/li>\n
    • Unreported improvements<\/li>\n
    • Possible retention<\/li>\n
    • New projects<\/li>\n
    • Tract<\/li>\n<\/ul>\n
        \n
      1. Access control\/maintenance fee or restrictive condition (Google)<\/li>\n
      2. Flood insurance (fema flood maps)<\/li>\n
      3. Condominium (HUD approved)<\/li>\n<\/ol>\n
          \n
        • HUD Approval (FHA, RD)<\/li>\n
        • VA approval (VA loans)<\/li>\n
        • MGIC Approval (Conventional)<\/li>\n
        • Fidelity Bond (FHA, VA, RD, Conforming)<\/li>\n
        • Crime (15%)<\/li>\n
        • Insurance (100% cost)<\/li>\n
        • Derramas<\/li>\n<\/ul>\n
            \n
          1. Personal or Corporate Bankruptcy<\/li>\n
          2. Garnishments or executions<\/li>\n
          3. Have any of the owners passed away?<\/li>\n
          4. Minors or disabled<\/li>\n
          5. Rent (Request agreement copy)<\/li>\n
          6. Mortgages<\/li>\n<\/ol>\n
              \n
            • First<\/li>\n
            • Second<\/li>\n
            • Uncancelled balances<\/li>\n
            • Promissory notes, bearer, lost, overdue<\/li>\n<\/ul>\n
                \n
              1. Promissory notes, bearer, lost, overdue<\/li>\n
              2. Built before 1978 (Lead – retain documents for 50 years)<\/li>\n
              3. Home Quality Inspection (HUD says it recommends inspections especially with 208k loan repairs)<\/li>\n<\/ol>\n

                <\/strong><\/p>\n

                Financing<\/u><\/strong><\/p>\n

                <\/strong><\/p>\n

                P<\/strong> (property)<\/p>\n

                I <\/strong>(income)<\/p>\n

                C <\/strong>(credit)<\/p>\n

                E <\/strong>(stability-employment)<\/p>\n

                 <\/p>\n

                Type of financing by # of units<\/strong><\/p>\n

                FHA – up to 4 units: (buyers 2 months savings. 25% commercial space)<\/p>\n

                  \n
                • More than two units require three or more reserve units, NO GIFT.<\/li>\n
                • NO CO-DEUDORSES.<\/li>\n
                • Net rental income – equal to or greater than the mortgage payment.<\/li>\n<\/ul>\n

                  Rural development – 1 unit only (417k)<\/p>\n

                    \n
                  • Eye – properties in columns<\/li>\n<\/ul>\n

                    Veterans – up to 4 units (417k) (one of them main)<\/p>\n

                     <\/p>\n

                    Commercials – more than 4 units (10M)<\/p>\n

                     <\/p>\n

                    Conventional non-conforming<\/strong><\/p>\n

                    Traditional – up to 4 units (417k)<\/p>\n

                      \n
                    • Law 87 – a single unit (150k)<\/li>\n
                    • FHA Boricua – single unit (300k)<\/li>\n
                    • Pecv – up to 4 units (600k)<\/li>\n
                    • My mortgage insurance – up to two units (300k)<\/li>\n<\/ul>\n

                       <\/p>\n

                      Maximum funding per USO<\/u><\/strong><\/p>\n

                      First residence:<\/p>\n

                      Guaranteed by the Federal Government:<\/p>\n

                        \n
                      • FHA – 97.75% (combined with Pecv (second mortgage contribution)<\/li>\n
                      • VA \u2013 100%<\/li>\n
                      • RD \u2013 100%<\/li>\n<\/ul>\n

                        First residence:<\/p>\n

                        Conventional:<\/p>\n

                          \n
                        • Conforming – 95% (w\/PMI) (credit score penalties by loan type. Most expensive commercial)<\/li>\n
                        • Non-conforming (traditional) 90% (non-PMI) – 97% (w\/PMI)<\/li>\n
                        • Law 87 – up to 105% LTV<\/li>\n<\/ul>\n

                           <\/p>\n

                          Property of enjoyment, not urbanization<\/p>\n

                            \n
                          • Conforming – 90% (w\/PMI)<\/li>\n
                          • NO Conforming – 90% (w\/PMI)<\/li>\n
                          • PECV \u2013 90% (w\/o PMI)<\/li>\n<\/ul>\n

                            No VA \u2013 RD \u2013 FHA<\/p>\n

                             <\/p>\n

                            INVESTMENT<\/p>\n

                            Conv. Conforming \u2013 75% – 80% (w\/o PMI)<\/p>\n

                            NO Compliant \u2013 80% (w\/o PMI)<\/p>\n

                             <\/p>\n

                              \n
                            • VA \u2013 Not Accepted<\/li>\n
                            • RD \u2013 Not Accepted<\/li>\n
                            • FHA \u2013 Not Accepted<\/li>\n<\/ul>\n

                               <\/p>\n

                              Repairs<\/u><\/strong><\/p>\n

                              <\/u><\/strong><\/p>\n

                                \n
                              • Conventional – Not Accepted<\/li>\n
                              • VA \u2013 Not Accepted<\/li>\n
                              • RD \u2013 Not Accepted<\/li>\n
                              • FHA \u2013 If Accepted (203Ks) or (203k Major rehabilitation)<\/li>\n
                              • LTV up to 110% (up to 6 months can be financed up to 6 months into the loan)<\/li>\n<\/ul>\n

                                 <\/p>\n

                                 <\/p>\n

                                Construction<\/u><\/strong><\/p>\n

                                <\/u><\/strong><\/p>\n

                                  \n
                                • Conventional – Complying with all the requirements of documentation and expertise. Up to 80% of projected appraisal, or up to 97% (w\/PMI)<\/li>\n
                                • VA \u2013 Not Accepted<\/li>\n
                                • RD \u2013 Not Accepted<\/li>\n
                                • FHA \u2013 Not Accepted<\/li>\n<\/ul>\n

                                   <\/p>\n

                                  Other property factors<\/u><\/strong><\/p>\n

                                  <\/u><\/strong><\/p>\n

                                  Parking lots<\/p>\n

                                    \n
                                  • Assigned<\/li>\n
                                  • Deeds<\/li>\n
                                  • Cadastre<\/li>\n<\/ul>\n

                                    Legal Description<\/p>\n

                                      \n
                                    • Capacity<\/li>\n<\/ul>\n

                                      Location<\/p>\n

                                        \n
                                      • Zoning<\/li>\n<\/ul>\n

                                         <\/p>\n

                                        Income Verification<\/u><\/strong><\/p>\n

                                        <\/u><\/strong><\/p>\n

                                        FHA, RD, VA, Conv-Compliant<\/p>\n

                                          \n
                                        • W-2 form (gross income)<\/li>\n
                                        • Checkbooks<\/li>\n
                                        • Direct deposits<\/li>\n
                                        • Federal pensions<\/li>\n
                                        • State pensions<\/li>\n
                                        • Retirement pensions<\/li>\n
                                        • 401k<\/li>\n
                                        • Ira<\/li>\n
                                        • Dividends<\/li>\n
                                        • Rental income<\/li>\n<\/ul>\n

                                           <\/p>\n

                                          Non-Compliant<\/p>\n

                                            \n
                                          • 480b<\/li>\n
                                          • Financial statements<\/li>\n
                                          • Financial statements (6mos)<\/li>\n
                                          • Professional services contracts (gross income)<\/li>\n
                                          • Rental income (depositing)<\/li>\n
                                          • Canceled checks<\/li>\n<\/ul>\n

                                             <\/p>\n

                                            Credit<\/u><\/strong><\/p>\n

                                            <\/u><\/strong><\/p>\n

                                            Credit scores (no less than 600 score)<\/p>\n

                                              \n
                                            • Medium<\/li>\n
                                            • Minimum<\/li>\n<\/ul>\n

                                              Non-traditional<\/p>\n

                                                \n
                                              • Three (3) accounts<\/li>\n<\/ul>\n

                                                Explanatory Letters<\/p>\n

                                                  \n
                                                • Bankruptcy – Chap.7 (2 years) \/\/ Chap.13 (consent)<\/li>\n
                                                • Voluntary deliveries. 3 years<\/li>\n
                                                • Re-score<\/li>\n
                                                • Inquiries<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

                                                  Seller and Property Information Name of owners according to the deeds Identification (government issued and expiration date) Telephone numbers, e-mail, postal address Deeds (send complete deed to the bank) Legal capacity (request court documents) Out of PR…power… Non-resident (withholding tax at closing, capital gain – 10% unless prepaid) Capital Gain Divorced Assessed for tax purposes? […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-14795","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-sin-categorizar","7":"entry"},"yoast_head":"\nRuby REALTY- The success of a sale and purchase starts with the first contact<\/title>\n<meta name=\"description\" content=\"Nombre de titulares de acuerdo a las escrituras. Identification (government issued and expiration date). 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