Financing in Concord : Advice

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BofA_Help, Other/Just Looking in Charlotte, NC
BofA_Help answered:
Bank of America Appraisal Issues anyone
Hi Caden, I work for Bank of America and would like the opportunity to help with your appraisal concern. For privacy reasons, we are not able to provide service through this site. We ... more
0 votes Share Flag Thu May 1, 2014 Financing in Concord
Johnny Huang, Real Estate Pro in Walnut Creek, CA
Johnny Huang answered:
Possible to re-fi an investment property when my primary residence was foreclosed 1.5 years ago?
BHarman-Contact Ray Villanueva of iServe Lending. He can give you a straight answer. 925-814-1041
0 votes Share Flag Fri Jul 6, 2012 Financing in Concord
Jayne Combs, Real Estate Pro in Danville, CA
Jayne Combs answered:
My husband and I's credit is horrible, I owe about $4,000 in debt and my husband owes a school loan of $8,000 we want to purchase a home and fix
Am I missing something here? You just said you owed money you never said you were behind on your payments? Owing money doesn't mean you have bad credit it just means you have debt. N ... more
0 votes Share Flag Mon Apr 16, 2012 Financing in Concord
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
how does a non-owner occupied borrower finane a property if he has more than 10 properties?
I forgot to mention... We are located in Concord as well.
0 votes Share Flag Wed Apr 11, 2012 Financing in Concord
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
With BOA 20,000 incentive in FL does anyone know the hidden reason for not having an offer on the home to meet their requirement for shortsale?
BofA does not want to do the Shortsale:
Is that a hidden adjenda?

Good luck and may God bless
0 votes Share Flag Sun Dec 11, 2011 Financing in Concord
Maria Morton, Real Estate Pro in 64113
Maria Morton answered:
Buyer waiting on a BOA shortsale . Typically how long does an appraisal take? I have been waiting on a month. Is that normal? What's the next
BoA has a reputation of being difficult to work with and slow as molasses. If your agent has submitted your offer to the seller's agent, and the seller has accepted your offer (evi ... more
0 votes Share Flag Sun Dec 11, 2011 Financing in Concord
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Where do people with poor credit go for a decent mortgage. Thanks.
I can't tell you how I people I talk to who think their credit is so poor that they have talked themselves into a loan denial before even talking to a lender. Take my advice, pick ... more
0 votes Share Flag Thu Sep 8, 2011 Financing in Concord
Carl Snyder, Real Estate Pro in San Diego, CA
Carl Snyder answered:
Is PMI still required with 10% down?
Another option not mentioned so far is One Time Mortgage Insurance.
Great strategy if you know you are going to be in a home for several years. Have 10% equity and the premium is finan ... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 94521
Scott Butcher, Real Estate Pro in Austin, TX
Scott Butcher answered:
Do you know if mortagage available for 90% LTV investement home ?
Agree with Gregorio, the drawback is that Homepath is only available for Fannie Mae owned properties. So if you can find an Fannie Mae REO that works for you, then great, if not, then ... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 94521
Deborah Nance, Real Estate Pro in Corona, CA
Deborah Nance answered:
Trying to but a foreclosed home in CA, using CHDAP They are asking for a certificate of occupany, but none exists. Please help
Hi Hhh...... the only option I can think of you may have already tried, and that's going to the county office yourself and speaking with the building department face to face. You ... more
0 votes Share Flag Fri Mar 11, 2011 Financing in Concord
Steve Curtis, Real Estate Pro in Walnut Creek, CA
Steve Curtis answered:
botched "lease to own" im now on title but not on the loan. owner wants to short sale to me. can i get a loan?
if you did a lease to own you should not be on title ... if the title was deeded to you but the loan is more than you "paid" or more than it is "worth" then your bes ... more
0 votes Share Flag Fri Jan 14, 2011 Financing in Concord
Frank, Home Owner in Caballo, NM
Frank answered:
Lenders refusing GFE because of new RESPA rules.
As a person trying to refinance, I want to know the costs of the loans available to me before I commit. Rates change daily but I want to look at the fees. I also want to choose the lead ... more
1 vote Share Flag Fri Nov 12, 2010 Financing in Concord
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
HomePath condo lender that works with City of Concord, CA, FTHB program?
Hi Daren,

Hopefully you have this solved by now. Otherwise you are probably out of escrow by now. If you still need a homepath approval I have an excellent referral for you. Just ema ... more
0 votes Share Flag Wed Aug 18, 2010 Financing in Concord
Wayne L. Bro…, Real Estate Pro in San Diego, CA
Wayne L. Brown answered:
I'm looking for loan on a condo. It will be non-owner occupied. The condo project has 10 total units and 90% of them are non-owner occupied.
Jason

Be careful how you approach this as you will be signing a loan form regarding occupency. As a few have indicated, I am not aware any lender who would do thissince so many are ... more
0 votes Share Flag Mon May 17, 2010 Financing in Concord
Louwu, Real Estate Pro in Irvine, CA
Louwu answered:
I have a Canadian resident client looking to purchase a property in Northern California. Are there any loan programs out there for this situation?
My direct lender, Chinatrust Bank USA, specializes in flexible documentation scenarios. Our portfolio is geared towards the self employed, overseas US citizen, and foreign nationals. ... more
0 votes Share Flag Fri Mar 26, 2010 Financing in 94520
Brian LeBars, Real Estate Pro in Pleasanton, CA
Brian LeBars answered:
Can I get a conventional loan with 10%- 15% down?
Hi Caden...

I was curious if you were still shopping for a home. Recently FHA has changed their guidelines to accept flipped properties under 90 days. So depending on the property yo ... more
0 votes Share Flag Thu Feb 18, 2010 Financing in Concord
Jes Sierra,…, Real Estate Pro in Rancho Cucamonga, CA
Jes Sierra, B.Sc. answered:
I am in the process of applying for an FHA loan. I have good credit and average income, but have frequent NSF fees. How will this affect me when?
John,
Talk to your local bank or lender.
They are going to run your credit, ask for a copy of your credit report.
Depending what your credit is, they can see what your purchase power ... more
0 votes Share Flag Sun Sep 20, 2009 Financing in Concord
Ayenko, Real Estate Pro in Antioch, CA
Ayenko answered:
Hassle-free pre-approval for Concord property?
Hi Happyscarpa, If your still interested in a hassle-free pre-approval with a laid back Mortgage Specialist, I would be happy to help you with your purchase. Contact me anytime. Thanks! ... more
0 votes Share Flag Mon Jul 13, 2009 Financing in Concord
Michelle Git…, Real Estate Pro in Clayton, CA
Michelle Gittleman answered:
Hello. I'm currently applying for a loan through a broker. Is it normal for them to ask for 401k statements?
Hi Tony,

These days lenders need all the information they can get regarding your credit history and stability.

I like to use a loan officer at Bank of America., 2020 Willow Pass R ... more
0 votes Share Flag Wed Nov 19, 2008 Financing in Concord
Peggy  Keegan, Real Estate Pro in Fairfield, CT
Peggy Keegan answered:
Mortgage for Primary Residence
At the closing you will sign a document stating that you intend to move into the property within a certain time period (30 to 60 days).
Should circumstances change, you are expected ... more
0 votes Share Flag Sun Sep 28, 2008 Financing in Concord
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