Financing in Rockland County : Real Estate Advice

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Ellen Kippel, Real Estate Pro in Suffern, NY
Ellen Kippel answered:
are condo mortgage lenders turning down loans because of perdentage of rentals and reserves?
Hi Dotty,

Although you asked this way back in 2010, I have just started to use Trulia as a realtor and thought I'd answer your question. It would always be prudent for banks to cons ... more
0 votes Share Flag Wed May 13, 2015 Financing in Suffern
allan erps,A…, Real Estate Pro in Pearl River, NY
allan erps,ABR,SFR answered:
Hi, I live in Valley Cottage, NY area and currently own a condo which is not FHA approved. I am looking for refinance options.
Answered your question below but do believe in most cases you will need 80% equity after refinancing.
0 votes Share Flag Sun Jul 28, 2013 Financing in Valley Cottage
Carmen Di Bi…, Real Estate Pro in New City, NY
Carmen Di Biase answered:
I would like to refinance before rates go any higher. How would a "gutted" upper floor affect this process?
John,

You say the gutted area was a bedroom and small den. By gutting it you made it uninhabitable and decreased the home's value by one bedroom. From an appraisal standpoint the b ... more
0 votes Share Flag Fri Jul 12, 2013 Financing in 10901
Ellen Kippel, Real Estate Pro in Suffern, NY
Ellen Kippel answered:
I'm living in Ireland and wish to invest in property in New York, anywhere within half an hour of NY city.
Hi Patrick,

I hope by now you have found a home within a half an hour of NYC. The southernmost section of Rockland County which includes Orangeburg, Palisades, Tappan, Pearl River, ... more
0 votes Share Flag Sat Jun 1, 2013 Financing in 10962
Christopher…, Real Estate Pro in Tarrytown, NY
Christopher Pagli answered:
When a appraisal is done is there a difference between when you get it for a mortgage and when you just get a appraisal done?
There are different types of appraisels and a few methods. The cost approach which is used to deterine what it would cost to rebuild the home in todays market, the income approach whic ... more
0 votes Share Flag Sat Jun 25, 2011 Financing in 10956
Maureen McEn…, Real Estate Pro in Pearl River, NY
Maureen McEnroe answered:
Do realtors frown upon processing a mortgage with a dot com lender such as LendingTree? If the lender is a solid company would there be any pushback?
Hi Hopeful Homebuyer,

It sounds like you might be of the generation that does everything online--thats great. Technology is a wonderful thing. As a Broker, where the money comes fr ... more
0 votes Share Flag Sun Feb 6, 2011 Financing in Nanuet
allan erps,A…, Real Estate Pro in Pearl River, NY
allan erps,ABR,SFR answered:
We are trying to purchase a home in Nanuet or nearby city utilizing a VA Mortgage and are coming across resistance from realtors. We are already
Hello Hopeful, Just curious to see if you were successful using your VA status for a home loan. Know Mrtgage Brokers that would be honored to help you! I thank you for your service for ... more
0 votes Share Flag Wed Dec 22, 2010 Financing in Nanuet
Barbara Van…, Other/Just Looking in Folsom, CA
Barbara Van Duyn answered:
Would it make sense for a retired, 62 year old (collecting a pension and soc. sec) to cash in IRA monies to pay off a 6.5% mortgage of $108,500
Hi Zacky ~

It's a good question and better answered by a Certifed Financial Planner and/or your CPA who will review your entire financial picture in order to give you the best ... more
1 vote Share Flag Mon Jan 4, 2010 Financing in Piermont
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