Financing in El Paso : Advice

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Erin and Lor…, Real Estate Pro in El Paso, TX
Erin and Lorena Salsbury answered:
My income is $48,000 year, my credit 660 im 26 years old, my hisband has bad credit his 35 his income is $50,000 can i qualify for a hsa by myself ?
Hello, This is a great question and one that other home buyers often ask me as well. In order to know exactly how much home you can buy, a licensed mortgage loan originator is your best ... more
0 votes Share Flag Sun May 31, 2015 Financing in El Paso
Raul Becerra…, Real Estate Pro in El Paso, TX
Raul Becerra III answered:
Income VA and SS Disability for hubby. Me VA pay total income 6500 a month. Issue scores under 600 & has increased by 46 points. We need a loan ASAP.
I work with a lender that can do 500 FICO Va/FHA., Stated Income loans and a variety of other loans. Call me or email me to get you in contact with the lender.

My name is Raul 915. ... more
0 votes Share Flag Tue Nov 18, 2014 Financing in 79938
Michael Brow…, Real Estate Pro in Frisco, TX
Michael Brownstead answered:
If our mortgage falls through because of the appraisal, what happens to the down payment at the title company...it's about 20,000?
Typically, when a property does not meet a lender's underwriting requirements, such as an appraisal issue, the earnest money is returned to the buyer; this is not legal advice.
0 votes Share Flag Wed Nov 12, 2014 Financing in El Paso
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I've been self-employed for years, writing off every legal deduction. Now the bank tells me I don't make enough money!
As stated below, how you file your taxes can completely derail your chances of buying a home as a Self-Employment Borrower. Having said that, depending on your credit and the loan progr ... more
0 votes Share Flag Thu Nov 6, 2014 Financing in 79915
Lorena Mejor…, Real Estate Pro in El Paso County, TX
Lorena Mejorado answered:
i'm a single mom and i would like to buy a house. is there any goverment bonds for first time home owners. if u were me how would u go about
Yes, there is still bond money available for first time home buyers. Will be glad to forward lender information. Lorena@MejoradoRealty.com
0 votes Share Flag Fri Jan 3, 2014 Financing in 79936
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
FHA Buyer's Good Faith Estimate
Hello Danny,

What is your question?

_____________________________________________________
Don Groff | REALTOR® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
... more
0 votes Share Flag Wed Dec 4, 2013 Financing in 79911
Jesus, Home Buyer in El Paso, TX
Jesus answered:
Is this house still for sale if yes, could you send more Pictures please !?
Notice of Sale. This property is scheduled for a public foreclosure auction.
0 votes Share Flag Tue Dec 3, 2013 Financing in 79924
Cesar Torres, Real Estate Pro in El Paso County, TX
Cesar Torres answered:
Have a home equity mortgage loan, would like to know if I can refinance for better rate into a FHA Streamline loan and where if eligible.
Hi,

I am local loan officer, as long you have enough equity, sufficient credit score & income among others factors you could be eligible to refinance.

Call me at your best conven ... more
0 votes Share Flag Tue Aug 13, 2013 Financing in El Paso
Alex Greer, Real Estate Pro in California
Alex Greer answered:
Would like to refinance our VA loan, what is the rate at for refi loan.?
We can certainly help you out. You can check us out at http://www.TheMortgageOutlet.com and give us a call. One of our loan officers will look at your situation and present you with som ... more
0 votes Share Flag Sat Jul 13, 2013 Financing in El Paso
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
Refi VA streamline loan lock at 3.25 expired, reason county did not send papers on time can it be true.
loan officer messed up.
Rate locks can be extended.

Tom Burris
Mortgage Banker
http://www.servicefirstmckinney.com/
(214) 763-4629 cell/text/nights/weekends(Really!!)
tburris ... more
0 votes Share Flag Thu Jul 11, 2013 Financing in El Paso
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
HELP anything that we can do to have the mortgage CO. honor the rate I was lock in after it expired. Mortgage Co I guess forgot to extend rate.
Your lender or broker should have talked to you as the lock was about to expire and extended that lock. There is a cost to do that but the cost could be much less than the dramatic cha ... more
0 votes Share Flag Thu Jul 11, 2013 Financing in El Paso
Maria De La…, Home Owner in El Paso, TX
Maria De La Vega answered:
Looking for a recommended lender in the State of Texas that can help a few of my clients whose loan amount fall into the High Cost Limitation.
Contact Mike Almeida from Chase Bank. Phone number 915-680-5320
0 votes Share Flag Sun Mar 3, 2013 Financing in 79925
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
Fannie Mae Foreclosure Catch 22: Home needs repairs that Fannie Mae will not cover.
The lender can close the loan and have the repairs done after closing..... They just hold some money back at closing to pay contractors based on their bids.
You cannot do the repairs y ... more
0 votes Share Flag Wed Feb 27, 2013 Financing in El Paso
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
In the divorce decree I gave my husband the business that we both own together. The loan is in both of our names. How do I get off the loan and title?
Consider asking your attorney the question, he/she can better advise regarding the circumstances and how they apply to you, than any of us can...
0 votes Share Flag Tue Sep 6, 2011 Financing in El Paso
Angela Ochoa, Real Estate Pro in 79936
Angela Ochoa answered:
Do I need to provide money down in El Paso, Texas and what if I've never purchased a home before?
You probably qualify for an FHA Home Loan which is 3.5% Down Payment. It works off the sales price of the home, so it depends on what house you pick. There are also Down Payment Assista ... more
0 votes Share Flag Fri Jun 10, 2011 Financing in El Paso
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
What happens if the Seller/Lender Contribution towards the Buyer's Closing Costs is greater than actual costs??
This is one of loan structuring where an experienced loan officer will be of value. Since you are getting money credited from 2 sources, it would be wise for the loan officer to exhaust ... more
1 vote Share Flag Thu Apr 28, 2011 Financing in 79911
Bruce Lynn, Real Estate Pro in Coppell, TX
Bruce Lynn answered:
Going through divorce, can I get my name off of loan this way...?
Very tough. You do need to take care of this in the divorce. Likely you will want your x to refinance.....however that is to be accomplished you want it done quickly. You do want ... more
0 votes Share Flag Wed Aug 27, 2008 Financing in El Paso
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