Financing in Ventura County : Advice

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Brian Martuc…, Real Estate Pro in Washington, DC
Brian Martucci answered:
Refinance variable FHA loan to Coventional
You can refinance with as little as 5% equity on a Conventional, Conforming loan (which in most counties and areas goes up to $417,000). Definitely try and go Conventional and get cheap ... more
1 vote Share Flag Tue Feb 17, 2015 Financing in 93030
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
are ther 90% ltv super jumbo loans available in westlake village, ca.? 800 fico and substantial w-2 income.
I just helped a client of mine get a 1.4 mill jumbo loan with 10% down and a 775 score in FL. There are a hundred loan products out there a lot of lenders only know what they offer.. I ... more
0 votes Share Flag Thu Aug 28, 2014 Financing in Westlake Village
Michael Evans, Real Estate Pro in San Francisco, CA
Michael Evans answered:
Is there any more stated income loans for 20% down?
If you are located in one of these States AZ, CA, CO, DC, FL, HI, IL, MD, MT, NV, NJ, NY, NC, OR, SC, VA, WA. then you can benefit from two options for a Self Employed Borrower to purch ... more
0 votes Share Flag Thu Mar 20, 2014 Financing in Westlake Village
Liz Byrd, Both Buyer and Seller in Grants Pass, OR
Liz Byrd answered:
I have been to 4-5 brokers in search of a refi for my existing 5/1 ARM I.O. Any suggestions on where to go?
try Rod Brown of Sunrise Financial Services
he really went the extra mile for Liz & Bill Byrd. He is awesome. We had approximately same issue, with one income and some rentals. he w ... more
0 votes Share Flag Wed Sep 18, 2013 Financing in Newbury Park
Alex Greer, Real Estate Pro in California
Alex Greer answered:
1st time buyer, Average credit, 4years work history, wife same and has excellent credit. Looking for anything under 175K, we have 10K dwn, possible?
We can help you out with this. Check out our website: TheMortgageOutlet.com
One of our loan officers will answers all of your questions and walk you through your options
0 votes Share Flag Fri Jun 28, 2013 Financing in Ventura County
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
To be approved for a loan: what documents I need to submit to mortgage lender ?
Hi Yury,

RE: "To be approved for a loan: what documents I need to submit to mortgage lender?”

What you need to provide is based on your income sources; see the following Buy ... more
0 votes Share Flag Sat May 18, 2013 Financing in Ventura
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
Any suggestions for a lender to finance a homepath loan 2 years after foreclosure. All criteria met. But don't know what bank will do the loan.
There is no lender I know taking less than 7 years after a foreclosure for Homepath.
0 votes Share Flag Fri Apr 26, 2013 Financing in Ventura
Scott Cary, Real Estate Pro in 95355
Scott Cary answered:
Multiple pre approvals
There is plenty of information below, although just so it's clear...you can qualify with the builders lender although you are not required to use the builders lender! The builder may o ... more
0 votes Share Flag Thu Feb 21, 2013 Financing in Ventura
Jeff Smith, Real Estate Pro in 91320
Jeff Smith answered:
Is there any way to get money offered by the seller towards closing costs back in cash?
What are you trying to accomplish ? There are a few strategies you can use and if you don't use the entire credit you will lose it. Depending on how mortgage pricing is working on any g ... more
0 votes Share Flag Tue May 29, 2012 Financing in Simi Valley
Chris Chin, Real Estate Pro in Ventura, CA
Chris Chin answered:
I’m looking to get pre approved for a loan
Hi Evemac,

Give Chad a call. He takes a consultative approach and will advise you of all options. Here is his contact information below:

Chad Cockerell
Loan Officer

Guild Mo ... more
0 votes Share Flag Fri May 25, 2012 Financing in Oxnard
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
With bad credit what type of place is it easiest to get a home loan? Would it be a bank, credit union, or what. Thanks
Having worked for all but a Credit Union, bankers/brokers have the most flexibility whereas the credit union can sometimes do some nice out-of-the-box lending to their members.

As wa ... more
0 votes Share Flag Wed May 2, 2012 Financing in Ventura
Jeff Smith, Real Estate Pro in 91320
Jeff Smith answered:
My son put an offer on a $330K home. Combined income w/girlfriend is $35k. Has $180K for down. No debts and excellent credit. Mortgage possible?
Hi There- On the surface this looks good and shouldn't be a problem. Why do you think a loan might not be possible ? The key reasons we are denying people on loans are , Poor Credit (6 ... more
0 votes Share Flag Mon Apr 30, 2012 Financing in Thousand Oaks
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
How can I tell if my mortgage and HELOC are non-recouse loans?
While the below answers are correct, it should be noted that any loan foreclosed on by way of a Trust Deed are also non-recourse. It is rare that a lender would do a full foreclosure, ... more
0 votes Share Flag Sat Feb 18, 2012 Financing in Ventura County
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I am on title only, not on the loan in Calif.. If my husband dies do I have to qualify for a new loan? Can I just continue to make the payments?
I had a case like this 1 year ago. One of my former clients passed away and his wife (who was not on the loan) wanted to retain the property. Luckily my clients decided to Quit Claim hi ... more
0 votes Share Flag Sun Feb 12, 2012 Financing in Thousand Oaks
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
How can I tell if my mortgage and HELOC are non-recouse loans?
If you have used the HELOC to do remodeling after the purchase of your home it is very unlikely that the HELOC is a purchase money loan product. However, if you have documentation that ... more
0 votes Share Flag Tue Feb 7, 2012 Financing in Ventura County
Leo76dragon, Home Owner in San Jose, CA
Leo76dragon answered:
I'm currently doing a short refi and have hired United Equity Negotiations out of San Ramon CA. Has anybody had pos or neg experience with them?
Hi Pete,
I am goin through with United Equity as well... I believe we started our process the same time as yours in Dec. 2010... we are at that point where we are waiting to be den ... more
0 votes Share Flag Wed Nov 16, 2011 Financing in Simi Valley
Barry Shapiro, Real Estate Pro in Camarillo, CA
Barry Shapiro answered:
We own a 1br condo (owe $180k;. value $120k) and want to start a family and need a bigger place. Renting it out will cover half the mortgage.Now what?
Hello Michael,
Just checking back to see what you decided concerning your Ventura condo. The government is working with lenders to help alleviate the affects of a free-falling marketp ... more
0 votes Share Flag Sun Jul 31, 2011 Financing in 93003
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
My husband and I are thinking about buying a house with an FHA Loan, but we need $20K more of income to
Hello Monica,

Before you go to the next step of either throwing in the towel, changing areas or waiting for a miracle by winning the lottery, try getting a second opinion. Please rem ... more
0 votes Share Flag Tue Jul 19, 2011 Financing in Simi Valley
Otto Kobler, Real Estate Pro in Sonoma County, CA
Otto Kobler answered:
I have a current home in Southern CA that I purchased in 2009 and currently have about 28% equity (what I put down). I am relocating to Nor Cal for
One of the things you can do if you do not have the minumum equity in your SoCal home is to pay down the balance to get to the right number. It may mean putting less down on the new hom ... more
0 votes Share Flag Wed May 4, 2011 Financing in Simi Valley
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
We were recently given a modification. But the payment is still to high. Is it possible to qualify for a loan on a cheaper house given our situation?
Wattpuppy,

Unless you can sell the current home, you would need to be mindful of the impact the modification has had on your credit, and you'd need to steer clear of the "b ... more
0 votes Share Flag Mon May 2, 2011 Financing in Oxnard
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