Financing in New Jersey : Advice

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Duke Rag, Real Estate Pro in New York, NY
Duke Rag answered:
Poor credit - zero down
I appreciate your post.
I have worked with Hunter on several deals, and he doesn't fail.
He funds on a 4% interest rate on all terms, undermining the credit scores percentage.
Contac ... more
0 votes Share Flag Fri Jul 31, 2015 Financing in New Jersey
Tom Hinz, Real Estate Pro in New Jersey
Tom Hinz answered:
My mortgage broker won't let me lock in a rate until after they have issued a final mortgage committment.
You need a new mortgage company. You should not have to wait period!
TOm Hinz www.shortsaletosell.com
0 votes Share Flag Sun Jul 26, 2015 Financing in Hoboken
Arvin Sahaki…, Real Estate Pro in Glendale, CA
Arvin Sahakian answered:
What are the disadvantages on an FHA loan?
Hi Tyler,

Great Question.

The following are some of the Disadvantages of FHA Loans:

Mortgage Insurance

Every FHA loan requires an upfront mortgage insurance payment equal to ... more
0 votes Share Flag Fri Jul 24, 2015 Financing in Jersey City
Andy Brown, Real Estate Pro in Carlsbad, CA
Andy Brown answered:
Are there are any lenders offering 5% down conventional loans without PMI for a confirming loan limit of $625,500?
There are many options in the growing Jumbo Mortgage Market now including 5% down to $850k loan amount or 10% down to $1.5m. Unfortunately we don't lend in NJ but I'm sure something is ... more
0 votes Share Flag Thu Jul 23, 2015 Financing in Manalapan
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 acc ... more
0 votes Share Flag Wed Jul 22, 2015 Financing in 07646
Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
Anyone know of a hard money lender for NJ that can lend 2-3 million for one deal?
Yes, this is possible to arrange. Contact www.northcoastfinancialinc.com
0 votes Share Flag Tue Jun 30, 2015 Financing in New Jersey
Ed Groussman, Real Estate Pro in Brooklyn, NY
Ed Groussman answered:
My wife and I are interested in a Homestyle / 203(k) loan. Does anyone know any mortgage brokers who offer these products in North Jersey?
I can offer FHA 203k rehab loans and I have a lot of experience closing them as well.

Feel free to email me at egroussman@homepointfinancial.com or call me at 347-903-5626

Thanks, ... more
1 vote Share Flag Thu Jun 11, 2015 Financing in 08817
Maleek Johns…, Home Buyer in Grand Rapids, MI
Maleek Johnson answered:
What is the difference between interest rate and APR? Can I negotiate the APR down?
Attention!!!

Do you have a bad credit?
Do you need money to pay bills?
Do you need to start up a new business?
Do you have unfinished project at hand due to bad financing?
Do you ... more
0 votes Share Flag Fri May 22, 2015 Financing in Union City
Maleek Johns…, Home Buyer in Grand Rapids, MI
Maleek Johnson answered:
How can a F1 student apply for mortgage?
I am Mr. Maleek Johnson, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of 1,000.00 to 10,000,000.00 as the loan offer. 100% Proje ... more
0 votes Share Flag Fri May 22, 2015 Financing in Union City
Virtriv, Home Owner in Piscataway, NJ
Virtriv answered:
How to get financing on condo with HOA litigation?
Hello, I am seller in Piscataway, NJ (Birch Glen) I already have a buyer lined up, the buyer has occupied the unit under use and occupancy contract, the use and occupancy expired on Dec ... more
0 votes Share Flag Wed May 13, 2015 Financing in Oakland
Melvin List, Real Estate Pro in Florida
Melvin List answered:
We would like to buy a fixer, hire an architect, and remodel a place that will become our '30 year' home. Is a 203k/Homestyle loan right for us?
I would reach out to a local mortgage broker who is familiar with the Homestyle Renovation mortgage and closes them on a regular basis. I would love to help but I only lend in Florida. ... more
0 votes Share Flag Sun May 3, 2015 Financing in Short Hills
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
I need a subprime mortgage refinance lender in ca.with no income or credit check
Steve,
Even in the height of the mortgage craziness this option didn't exist. Credit is always checked and stated income was dependent upon having decent credit. I was a licensed le ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in Jersey City
Pewterwoollo…, Home Buyer in Phillipsburg, NJ
Pewterwoollocks answered:
Who in New Jersey does land/lot Loans???????
I have a lot for sale and I am offering owner financing. Just search zillow.com 1204 new brunswick ave, adjacent lot and or house for sale.

thank y ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in New Jersey
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
Diann Tyler, Real Estate Pro in Philadelphia, PA
Diann Tyler answered:
Applying for a Mortgage: Online vs. in-person. What are the benefits or drawbacks? I'm going "full doc" loan.
Perhaps what to consider while applying for a mortgage in person especially in the New Jersey area is the interest rates. You either shop around for the interest rates or give that job ... more
0 votes Share Flag Mon Apr 13, 2015 Financing in Ewing
Brian Martuc…, Real Estate Pro in Washington, DC
Brian Martucci answered:
Finding a lender in Jersey
We are licensed in all 50 states. We can do loans down to 620 credit score, for both conventional as well as FHA loans, we also do VA loans if you happen to be a veteran. Please click o ... more
0 votes Share Flag Tue Mar 10, 2015 Financing in Brick
Matt Albert, Real Estate Pro in Greensboro, NC
Matt Albert answered:
Do physician home mortgage loans still exist in NJ?
Yes Doctor/Physician loans are still available! My name is Matt Albert (NMLS# 658999) and I am a Doctor/Physician Loan Specialist with RBS Citizens/Charter One Home Loans. I have been s ... more
0 votes Share Flag Sun Mar 1, 2015 Financing in Verona
pdickens, Home Buyer in Chicago, IL
pdickens answered:
How do I calculate the interest earned on my security deposit, with a different interest rate each year, and?
what is the interest for a principle of 1200 and the rate was 0.013% for an entire year
0 votes Share Flag Thu Feb 26, 2015 Financing in 07111
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I need a list of OCEAN COUNTY, NEW JERSEY or NEARBY lenders who works with my community loan or my community choice program by fannie mae !
Hi Chuck,

We offer Fannie Mae MyCommunity Mortgage in New Jersey. Community Choice is a program under the MyCommunity Mortgage program. Usually Community Choice isn't needed, but w ... more
0 votes Share Flag Wed Feb 25, 2015 Financing in 08527
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