Financing in Delray Beach : Real Estate Advice

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Jack Wilson, Other/Just Looking in Florida
Jack Wilson answered:
Trying to refinance but underwater
WHAT IS A FLORIDA HARP REFINANCE? Originally started in April 2009, the Florida Home Affordable Refinance Program AKA (HARP) is a Florida mortgage refinance program designed to assist u ... more
0 votes Share Flag Wed Feb 29, 2012 Financing in 33445
marc jablon, Real Estate Pro in Boca Raton, FL
marc jablon answered:
i have a small business but i don not show income i have been renting same condo for 3 years paying $ 1750/month. i need to buy a small house 30k
Because you do not show income, you fit into the category of cash buyer. If you plan to get a mortgage in order to purchase a home , you will have to show some kind of income, and you m ... more
0 votes Share Flag Sat Feb 25, 2012 Financing in 33483
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
We are buying a foreclosure for cash that needs rehab. Are there any gvmt loan programs just for repair? We will not be living there, will be a rent.
So don't pay Cash for the whole purchase price;
keep some of the cash for maintenance, other investments, etc.
it works for investors, (non- ... more
0 votes Share Flag Tue Dec 27, 2011 Financing in 33445
Marsha Mayer, Real Estate Pro in WEST PALM BEACH, FL
Marsha Mayer answered:
Is is a problem for a Canadian to get a Mortgage on a property in Delray Beach?
No problem. There are certain banks here who cater to Canadian borrowers. Scotia Bank is one of these.
I hope this helps.

If you need further assistance I can provide.

Marsha M ... more
0 votes Share Flag Sun May 8, 2011 Financing in Delray Beach
Kurt Lehmann, Real Estate Pro in Delray Beach, FL
Kurt Lehmann answered:
Is there a problem with a Canadian getting a mortgage home in Florida. ie Kings point purchase of approximately $25000.
Funny this came up today. TD Bank will do canadian mortgages - there is a branch on Federal just North of Linton and they have branches in Canada too.
0 votes Share Flag Fri May 6, 2011 Financing in 33484
Alma Kee, Real Estate Pro in Tampa, FL
Alma Kee answered:
Is there any option for refi with a non-Freddie/Fannie loan that is underwater? We have naver made a late payment--just want to switch to a 30 yr fix
Do NOT just walk away. In Florida we are a deficiency judgement state so the lender can go after you for 100% of their loss including attorney fees, legal fees, late fees, etc. etc.
... more
0 votes Share Flag Sat Apr 23, 2011 Financing in 33445
Alma Kee, Real Estate Pro in Tampa, FL
Alma Kee answered:
Does any body knows a good Commercial Mortgage company in the Florida Area???
You may want to contact larger commercial real estate brokers for referrals.
0 votes Share Flag Sat Apr 2, 2011 Financing in 33483
Alma Kee, Real Estate Pro in Tampa, FL
Alma Kee answered:
How to analyze what is the very best loan, for any especific circumstance?
Go look at the spreadsheets on:

It also has a list of "upfront" lenders and mortgage brokers. You may want to try to qualify to get on the list..
2 votes Share Flag Fri Apr 1, 2011 Financing in 33483
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
Is a 30 year fixed rate at 4.99% on $520,000 better than $417,000 fixed 30 year at 4.5% and a 103,000 HELOC at 4%, which balloons at 5 years? thanks!
Pearljen watch out for interest rate increases if you intend on refinancing. The Federal Reserve has purchased almost 3 Trillion dollars in Treasury Notes this year to drive interest ra ... more
0 votes Share Flag Tue Nov 9, 2010 Financing in 33483
Wanda, Other/Just Looking in 33445
Wanda asked:
can a open access loan be brokered?
0 votes Share Flag Thu Apr 22, 2010 Financing in 33445
Thomas Martin, Real Estate Pro in Hollywood, FL
Thomas Martin answered:
Does Fannie Mae /Freddie Mac refinance a loan from another bank?
I can refinace you with an FHA loan, and provide Cash out up to 85% or a rate and term refinace up to 97.75% down to a 530 FICO...............FHA refinancing offers benefits for current ... more
0 votes Share Flag Thu Oct 15, 2009 Financing in 33445
Scott Miller, Real Estate Pro in Boca Raton, FL
Scott Miller answered:
With the new laws, etc. and so many people "underwater", is it even possible to refinance? I have a house that I no longer live in
Hi Linb1,

Personally, I think the best thing to do would be to short-sell it. I can list it for you, negotiate with the lienholders and get it sold.

You're throwing good mon ... more
0 votes Share Flag Sun Oct 4, 2009 Financing in 33445
Lorie Gould, Real Estate Pro in Duluth, GA
Lorie Gould answered:
How do I find the best deal on a mortgage?
Shop rate and closing cost comparing apples to apples among reputable lenders and mortgage brokers. Your buyers agent can provide you with some great resources to shop so that you do n ... more
0 votes Share Flag Sun Sep 6, 2009 Financing in Delray Beach
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