Financing in Bergen County : Advice

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Clarabellae, Home Buyer in South Miami, FL
Clarabellae answered:
Is there anyway to convert a 203K loan to a conventional loan or remove the PMI insurance?
"The FHA Streamline 203k refinance program will provide between $5,000 and $35,000 above the current loan balance to make repairs on a home. The extra money will be held in an escrow ac ... more
0 votes Share Flag Thu May 21, 2015 Financing in 07646
Sally May, Home Buyer in Tampa, FL
Sally May answered:
How to get financing on condo with HOA litigation?

Having trouble getting a Florida condo mortgage because the condo you are interested in is being denied by your Flo ... more
0 votes Share Flag Wed May 13, 2015 Financing in Oakland
Brian Martuc…, Real Estate Pro in Washington, DC
Brian Martucci answered:
I have a mortgage in two family property where my mother and I live. I was to purchase another home, what are my options?
If you are looking to buy a new house, and want to keep your current home as a rental property, on a Conventional loan you need to show the lender who is making the loan on your new hom ... more
1 vote Share Flag Wed Apr 15, 2015 Financing in 07407
Vaibhav Sheth, Real Estate Pro in Norwood I-80, Sacram...
Vaibhav Sheth answered:
Is it a good idea to use my parents home to help pay for a new one.?
it is a good idea but you may get killed by mortgage and insurance they will be as an investment not as owner occupied let me know if you are in new jersey bergen county area thank you ... more
0 votes Share Flag Sat Sep 13, 2014 Financing in 07073
Eileenike, Home Buyer in Englewood, NJ
Eileenike answered:
Any recommendations for a bank in New Jersey (preferably Bergen County) that offers co-op loans?
are there any banks in bergen county that offer home equity loans on cooperative apartments.
Not mortgage - Home Equity Loans
0 votes Share Flag Wed Aug 21, 2013 Financing in Englewood
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
Is it ok for me to shop around for lenders that offer FHA 203K? Or do I have to go with the first one I get a quote on?
Call me, I Have funded Millions in 203K mortgages over the last 16yrs.

I can help get you home!!

Jose Martinez
Sr. Mortgage Consultant
0 votes Share Flag Thu Aug 15, 2013 Financing in 07631
Frank, Home Buyer in Hackensack, NJ
Frank answered:
Searching for land & construction loans in northern New Jersey
For construction loans in New Jersey call Francisco Mayol at Clifton Savings Bank 1-917-547-9298 He offers construction loans for People who Own the Land & want to build a house.
Cons ... more
0 votes Share Flag Mon Jun 10, 2013 Financing in Paramus
Camille A. M…, Real Estate Pro in Bayville, NJ
Camille A. Marotta answered:
Anyone knows a lender who specialize in 203k Loans in Englewood, NJ (Bergen County)?
Jspellen, I have 30 years of lending experience especially with 203K's. I would be happy to spend time to answer all of your questions.

Camille Marotta
Residential Home Funding
... more
0 votes Share Flag Tue May 28, 2013 Financing in Englewood
Deborah Madey, Real Estate Pro in Red Bank, NJ
Deborah Madey answered:
Looking for a hard money lender to help with a owner occupied home in NJ. To help pay off property taxes. Home is paid off, just delinquent taxes
Hard money lenders generally do not work with owner occupants. Lending laws restrict their options/ Generally you find hard money lenders working with investors.
0 votes Share Flag Tue Mar 26, 2013 Financing in 07057
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
Which is better - purchase mortgage -5.5% with PMI( 1.75% upfront .5% monthly) or 6.25% on 10% down loan
Hi Robert

The better deal would be the 90 percent. Call me I can help, and get you 3.5 percent.

I can also finance the pmi into your loan.

Let Coldwell Banker bring you home.
... more
0 votes Share Flag Wed Jan 30, 2013 Financing in 07632
Camille A. M…, Real Estate Pro in Bayville, NJ
Camille A. Marotta answered:
Can i get a first time home loan. I am under a J1 visa. I can put 30% down paiment. I do not have taw return or w2 as its my first time in US
Gregory, If you stay here and are working here the answer is that you can purchase a house with a 30% down payment. If you cannot stay here and don't work here then you can purchase a ... more
0 votes Share Flag Wed Jan 30, 2013 Financing in Bergen County
Brian Gardner, Real Estate Pro in Purchase, NY
Brian Gardner answered:
Does it pay to refinance with only 7 years left to pay?
Keep in mind that rate is what matters, not term (assuming there are no prepayment penalties of course). A 100 year mortgage at 4% is better than a 30 year mortgage at 5% because you c ... more
0 votes Share Flag Wed Jan 30, 2013 Financing in Bergen County
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
Which Bergen County Banks offer no-PMI loans with 90% LTV?
Coldwell Banker Home Loans. Call me I can help! Let Coldwell Banker bring you Home!

Jose Martinez
Coldwell Banker Home Loans Fort Lee
0 votes Share Flag Mon Oct 15, 2012 Financing in 07632
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
im having a lot of trouble trying to refinance my condo under HARP 2.0 because the developer owns more than 15% of the units. what else can i do??
I am assuming that your mortgage is owned by Freddie Mac and not Fannie Mae because it would not make a difference if it was a Fannie Mae owned HARP refinance. If indeed this is Freddie ... more
0 votes Share Flag Tue Jul 24, 2012 Financing in Hackensack
Barbara Weis…, Real Estate Pro in Tenafly, NJ
Barbara Weismann answered:
Financing question regarding VA loan and Teaneck, NJ area. Thanks to all that answered my last question......
Only a licensed banker can tell anyone what they can afford and if an agent has a mortgage calculator on their website, you've seen how inaccurate such things can be. Frankly, it's ill ... more
0 votes Share Flag Mon Jun 11, 2012 Financing in Teaneck
James P. Ryan…, Real Estate Pro in Washington, DC
James P. Ryan, Jr answered:
What's better to refinance through online mortgage vs. regular banks
The mortgage experience can be excellent with either option. It really boils down to the individual loan officer and the quality of the loan application the loan officer builds on your ... more
0 votes Share Flag Mon Jun 11, 2012 Financing in Teaneck
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
can we buy a house with 0 down payment?
You can though it may be difficult to find and you won't get the best rates. The only places I know of that offer no money down mortgages are some local credit unions.
0 votes Share Flag Mon Jun 11, 2012 Financing in Teaneck
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
What credit score range do i need to get a house as a first time buyer, no money down?
Hi, Rosb1288. 100% financing is available only for vets now. If you're not one, the minimum down required now is 3.5% through FHA. Or 3% if the home qualifies for Homepath Financing. ... more
0 votes Share Flag Wed May 30, 2012 Financing in Franklin Lakes
Jeff Onofrio, Real Estate Pro in Marlton, NJ
Jeff Onofrio answered:
Is it better to get a streamline 203k and then a home equity line of credit later on or just apply for the full 203k at the beginning?
I realize that this question was posed over a year ago but I would like to dispel the notion that 203k loans are hard. They are only hard if you are working with an inexperienc ... more
0 votes Share Flag Tue May 29, 2012 Financing in 07631
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