Financing in Sonoma County : Advice

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Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
Does anyone know of a hard money lender that lends 90-100% for 3 yr term? Credit score is 565 after divorce... starting over! Have solid 6 fig income.
Reputable hard money lenders do not lend 90-100% of the value of the property. The minimum down payment required from the borrower is generally 20%. It will be very difficult/impossible ... more
0 votes Share Flag Yesterday at 10:33am Financing in Santa Rosa
Lender - Jar…, Real Estate Pro in Los Angeles, CA
Lender - Jared Leichliter answered:
Short sale.can u get a refinance after 2 yrs? whch lenders will do it?
You can refinance a home two years after short sale with a conventional loan if you have 20% equity.

Jared Leichliter
Mortgage Wholesale Network
http://HomeAfterShor ... more
0 votes Share Flag Thu Jun 5, 2014 Financing in Cloverdale
Steve Burgess, Other/Just Looking in San Juan Capistrano,...
Steve Burgess answered:
Need a loan on my home but its zoned!
Well nothing to worried since there are quite a few private loaning institutes operating to help you even when Govt. banks are not cooperating enough during touch times, so check those ... more
0 votes Share Flag Tue Apr 29, 2014 Financing in Cloverdale
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
Does FHA require a home inspection, and do they have specific requirements for the inspection?
HI Brandon

only time home inspection is required if appraiser indicate health/safety issues.

good luck

Omar Khamisa
0 votes Share Flag Sun Feb 23, 2014 Financing in Santa Rosa
John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
I would like to obtain lists of parks that are: 1) resident owned 2) Co-op 3) Rent controlled Can you help?
You need more than just an RE agent for this one. I would seek out an RE professional who had both RE and MH experience. As a RE broker, Manufactured Home Dealer & Developer, General an ... more
0 votes Share Flag Mon Dec 9, 2013 Financing in 95403
Alex Greer, Real Estate Pro in California
Alex Greer 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
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in 95404
VERREOS, Tony, Real Estate Pro in California
VERREOS, Tony answered:
Do I qualify for a first time home buyer 50K a year under a first year of a fellowship/post-doc? Thanks.
It's been over two years since you asked. What happened?
0 votes Share Flag Sun Feb 10, 2013 Financing in Rohnert Park
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
If I purchase a home in a partnership and only one partner moves into the home can we still get an owner occupied loan?
Diver4kal - most conventional lenders won't lend to a partnership, we lend to individuals....

However, after the loan process is complete, you can transfer ownership into your partne ... more
0 votes Share Flag Sun Feb 10, 2013 Financing in Rohnert Park
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
Self-employed - Doc or no doc?
Beth - your broker is absolutely correct. Stated income programs went away (for the most part) along with the lenders that offered them in the past.

Did your broker fully review your ... more
0 votes Share Flag Sun Feb 10, 2013 Financing in Penngrove
Matthew A. B…, Real Estate Pro in Glendora, CA
Matthew A. Bartlett answered:
I sold my house on a short sale two years ago, can I qualify to buy a new home with 20% down?
Hello Shad,

Two to three years is the standard time period after a short sale you may look to purchase a home. I suggest that you speak with your Lender and start the pre-approval pr ... more
0 votes Share Flag Mon Oct 22, 2012 Financing in Cloverdale
Paul Claeyss…, Real Estate Pro in Sonoma County, CA
Paul Claeyssens answered:
Who are good lenders in this area?
I highly recommend Matt Brown of Petaluma Home Loans. He owns the company, so he has a long term veiw of all of his customer relationships. He will not be moving on to another company ... more
0 votes Share Flag Fri Sep 21, 2012 Financing in Petaluma
Gabino_Barre…, Real Estate Pro in Lawndale, CA
Gabino_Barrera answered:
refinance with M1 zoning
I agree 100% with Gregorio
0 votes Share Flag Thu Jul 12, 2012 Financing in Cloverdale
LUXURY HOME…, Real Estate Pro in El Segundo, CA
We are upside down in our mortgage. All's we want is a lower interest rate. Can anyone help?
This is a typical example of REAs incorrectly answering a mortgage question. You would have done better with the common REA response "Call me, I will put you in touch with a great ... more
0 votes Share Flag Tue Dec 13, 2011 Financing in Sebastopol
LUXURY HOME…, Real Estate Pro in El Segundo, CA
Does Anyone know when the new Obama refinancing plan will begin, where underwater homes with regular payments will be able to be re-fi'd ?

Here is the recent update from my previous post on 10/25. Looks like it will be March 2012 before the full program will available. Click on Guide Announcement - SEL-2011-12. h ... more
0 votes Share Flag Sat Nov 19, 2011 Financing in Santa Rosa
David Stein, Real Estate Pro in San Diego, CA
David Stein answered:
We are trying to decide between FHA and VA loan. Qualify for both and have 3% down, but that is all our reserves. Which is better?
Va is the best because you have less down payment (0% down) and you will avoid a PMI from a FHA loan...PMI can be very expensive as the government just raised it to over 1%. That means ... more
0 votes Share Flag Wed May 11, 2011 Financing in Petaluma
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
What will be the effects of the new lending law affective April 1st ? I am refinancing main house in Ca,but the lending co. is in Florida.?
Trust me! It is better to lock now! You can count on rates for consumers going up further after 4/1/2011. Anyone is says no just doesn't get it. Neither does the FED.
0 votes Share Flag Wed Mar 30, 2011 Financing in Santa Rosa
Yarrow Kubrin, Real Estate Pro in Santa Rosa, CA
Yarrow Kubrin answered:
How do I find the best deal on a mortgage?
The best deal on a mortgage should not be viewed solely from the rate (or cost of funds). Service and your loan officers accessibility are other criteria worth considering. Rate is impo ... more
0 votes Share Flag Sun Mar 27, 2011 Financing in Santa Rosa
Brent Kluge, Real Estate Pro in District of Columbia
Brent Kluge answered:
I am interested in the possibility of using a 203k FHA on a foreclosure that needs alot of work, can I get feedback on how feasible this is?

It is all about understanding the process. YES, everything you described will fit into the 203K parameter. It even sounds like it is custom fit for you. Do the Due!

I ... more
0 votes Share Flag Mon Mar 14, 2011 Financing in Petaluma
Matthew Baker, Real Estate Pro in Phoenix, AZ
Matthew Baker answered:
Are FHA loans trending up and down? For the next 6 months? Would you advise taking a 30 year FHA fixed loan vs. a FHA fixed for 5 years?
If you look at all the government spending it is 99% chance that rates will be higher on overage over the next 5 years. Perhaps rates can recover based on global and other market facto ... more
0 votes Share Flag Sat Feb 5, 2011 Financing in 95476
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