Financing in Houston : Advice

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Claudia Will…, Real Estate Pro in Durango, CO
Claudia Williams answered:
I have a question regarding foreign national loans.
I'm sure he can get it figured out, especially if it's income property. Good luck!
0 votes Share Flag Fri Jan 23, 2015 Financing in Houston
Rick Walters, Real Estate Pro in Spring, TX
Rick Walters answered:
I'm a 1st time buyer, but I don't know step 1 for buying a house (outside of increasing your credit score). Please advise.

The first step in your home buying experience should be to get pre-approved for a home loan. Most sellers won't consider an offer without a pre-approval. I have helped many fi ... more
0 votes Share Flag Thu Nov 27, 2014 Financing in Houston
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
Any hope for getting a mortgage if I'm self-employed straight out of graduate school?
Depends on the Bank and other assets, complete a loan application with your local lenders.
0 votes Share Flag Wed Nov 5, 2014 Financing in Houston
daves4, Home Buyer in San Francisco, CA
daves4 answered:
Non warrantable condo loans?
Is anyone aware of lenders (outside of CUs) doing N-W condo loans above 80% LTV?
0 votes Share Flag Tue Oct 21, 2014 Financing in Houston
Corby Callaw…, Real Estate Pro in Katy, TX
Corby Callaway answered:
I'm a foreign investor. Is it possible to get a loan using a property as colateral in Texas?I'm looking at 100-130 000 US $. What would be rates?
Yes you can obtain financing. We just closed a home for a client, with 20% down, sales price of $250,000 and the rate was 5.75% for a 20 year fixed, 6th one for this year. Some were inv ... more
1 vote Share Flag Tue Oct 14, 2014 Financing in Houston
Deborah Wint…, Real Estate Pro in League City, TX
Deborah Winters Chaney answered:
Who pays for a well water test and termite tests? Is it the same for a VA buyer?
Mark is right, all inspections are paid for by the Buyer. However, if termites or Wood-Destroying Insects are found, The Homeowner pays for the elimination of them. Thanks for your in ... more
0 votes Share Flag Mon Oct 13, 2014 Financing in 77059
Stacy Burgin, Real Estate Pro in 77494
Stacy Burgin answered:
What happens if I'm approved for a lower amount than the asking price of a new home?
you can negotiate or put more money down. If you need a realtor I can assist you to make sure this doesn't happen because you get pre approved first and then you want to start searchin ... more
0 votes Share Flag Sat Sep 20, 2014 Financing in 77008
Vino Alonzo, Real Estate Pro in San Antonio, TX
Vino Alonzo answered:
What happens if I'm approved for a lower amount than the asking price of a new home?
The MCC Program might be your solution. Ask your lender if they offer this. If not, call me.

The MCC program is a tax credit from the IRS for home buyers who have not owned a home i ... more
0 votes Share Flag Mon Sep 15, 2014 Financing in 77008
John Broussa…, Real Estate Pro in Houston, TX
John Broussard asked:
Stated Residential Loans for Investment Properties Stated Residential Loans for Investment Properties

Non Owner Occurpied - 1 to 4 Units - Condos

Purchases - Refi's - Cash Out's

LTV: Up to 70%

Fico Minimum: 650…
0 votes Share Flag Tue Jul 15, 2014 Financing in Houston
John Broussa…, Real Estate Pro in Houston, TX
John Broussard asked:
Non Prime Lending Has Filled a Void in the Home Buying Market " Your Buyers have Options Anyone needs to increase their income and be able to qualify more buyers?

Any buyer having trouble obtaining Financing.
0 votes Share Flag Thu May 29, 2014 Financing in Houston
Roberta Stor…, Real Estate Pro in 77057
Roberta Storey answered:
On a house selling for $385,000, how much should the seller pay towards closing costs on a VA loan?
Hello John:

The Closing costs can be negotiable.

Kind regards,

Roberta Storey
0 votes Share Flag Wed May 28, 2014 Financing in 77059
ltlher, Home Seller in Houston, TX
ltlher answered:
What lenders do ITIN Mortgages now? Borrower has over two years employment, check stubbs, w-2's tax returns, bank statements, and land.
which bank does this loans, i contacted Amegy Bank but they coudn't help me
because i own 4 rentals, i'm looking at a home i want to live in, this home would not be a rental,
my busi ... more
0 votes Share Flag Tue May 20, 2014 Financing in Houston
John Broussa…, Real Estate Pro in Houston, TX
John Broussard asked:
Financing for Borrowers with Foreclosures, Short Sales and BK's Newbridege Home Loans / Lending Programs

All programs based on 1 - 4 unit Owner Occupied!!
80% LTV 2yr out of Foreclosure & BK - No Reserves
Short Sale 1 day out to 75% -…
0 votes Share Flag Mon May 19, 2014 Financing in Houston
Dana Anghel, Real Estate Pro in South Jordan, UT
Dana Anghel answered:
On a VA loan, is the seller responsible for all closing costs and the buyer responsible for all mortage points?
The seller is only responsible for whatever they agree to be responsible (regardless of the loan type). There are certain fees that the VA will not allow to be charged to the borrower, ... more
0 votes Share Flag Mon May 5, 2014 Financing in 77059
Barb Kelley, Real Estate Pro in Houston, TX
Barb Kelley answered:
Are there any mortgage brokers who are willing to come to a home buyer seminar and speak about available programs in Houston, TX?
Absolutely! My preferred lenders do this all the time for both home buyers and Realtors in the Houston area. Let me know if I can be of assistance.
Best wishes,
Barb Kelley, SRES, C ... more
1 vote Share Flag Sun May 4, 2014 Financing in Houston
Linda Fisher, Real Estate Pro in Kingwood, TX
Linda Fisher answered:
Concerning firt time home buyer grants and down payment assistance.
Your lender should be able to answer any questions you have regarding down payment, assistance,

How many you cab except,are use toward the purchase of your home

Good Luck and Go ... more
0 votes Share Flag Thu Mar 13, 2014 Financing in 77071
Jennifer Bar…, Real Estate Pro in Houston, TX
Jennifer Barbera answered:
Somebody from Texas asked about "mix-use" real estate financing.
A good way to secure a mixed use property and still get residential mortgage rates is with an FHA 203K loan. Mixed use is allowable under this program. I am happy to help, see my prof ... more
0 votes Share Flag Fri Jan 24, 2014 Financing in 77006
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Is it possible for a foreign buyer (Ireland) to obtain finance from a US lender?
We offer FOREIGN NATIONAL loans nationwide. The down payment is 30-35% depending on your situation.

Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My na ... more
0 votes Share Flag Wed Jan 22, 2014 Financing in Houston
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