Financing in Sacramento : Advice

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Irene DePalma, Home Buyer in Clifton Park, NY
Irene DePalma answered:
Loan after short sale
Because of financial and personal hardship, we had to do a shortsale on our home, its been six months, can we apply for another Mortgage now ?
0 votes Share Flag Mon Jun 29, 2015 Financing in 95818
Kellytimmi, Home Buyer in Elk Grove Village, IL
Kellytimmi answered:
I have been receiving lots of mailers regarding a FHA streamline refinance. I finally called one the other
Nothing is "free"--either you pay for it upfront in cash, the cost is rolled into the loan amount or the cost is rolled into the note interest rate. But most or all lenders can offer "n ... more
1 vote Share Flag Thu May 21, 2015 Financing in Sacramento
drukpenusaba…, Home Owner in Tampa, FL
drukpenusabara answered:
We had a short sale on an investment property in 2012 because coowners bailed on us. Cam we now pull a line of credit on a primary home or refinance?
Good day,
Dear Loan Seekers, Greetings from MICHAEL LOAN HERITAGE.
We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, bu ... more
0 votes Share Flag Sun May 3, 2015 Financing in 95818
Jennifer Kei…, Real Estate Pro in Granite Bay, CA
Jennifer Keith-Weaver answered:
available mortgage loans
Hello there,
Reading our minimum waiting period guidelines it looks like for FHA loans, the waiting period depends on whether you were current on your mortgage payments leading up to t ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in 95818
Jennifer Kei…, Real Estate Pro in Granite Bay, CA
Jennifer Keith-Weaver answered:
Can I finance a home loan through my business with my EIN?
Hi there!
I know we only offer loans to individuals, not companies. We are great at helping self-employed borrowers qualify for loans though, if that's at all helpful!
Feel free to c ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in Sacramento
Randy Stoker, Real Estate Pro in Yuba City, CA
Randy Stoker answered:
How do I find out if someone has bad credit, liens against their property etc.?
I would allow your broker to do his job and research the prospect's credit and work history for you. You will need a current credit report and copies of prior years tax returns to fully ... more
0 votes Share Flag Tue Feb 17, 2015 Financing in Sacramento
Randy Stoker, Real Estate Pro in Yuba City, CA
Randy Stoker answered:
In February 2014 we short saled our home after beong underwater for over a year. We have property that was free and clear that we decided to build a
Banks are hesitant to make loans with recent short sale history. You may have to use the services of a Hard Money Lender, companies that make loans based on equity vs. credit scores and ... more
0 votes Share Flag Thu Feb 5, 2015 Financing in 95818
Derek Jones, Real Estate Pro in 95670
Derek Jones answered:
what is the average rent it sacremento?
Sacramento is a large city, it would depend on what part of Sacramento you are looking to rent. It can be anywhere between $500 - $2000+.
0 votes Share Flag Tue Jan 20, 2015 Financing in 95828
Al Mendoza, Home Buyer in Houston, TX
Al Mendoza answered:
For Us Banks American Dream home loan program, how is the median area income determined? also, do they use last years w-2 to determine if you qualify?
The ADHLP (American Dream Home Loan Program is based up on a review and combine income of 24 months, hence the decision is based on your current income but will be impacted if your inco ... more
0 votes Share Flag Fri Jan 9, 2015 Financing in Sacramento
dorenezeller…, Home Buyer in West Palm Beach, FL
dorenezeller17 answered:
Can I get some references to FHA lenders in the Sacramento area?
Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed ... more
0 votes Share Flag Thu Oct 23, 2014 Financing in Sacramento
Valli Lopez, Real Estate Pro in 92021
Valli Lopez answered:
I had a short sale in 2011, no longer on my credit report. trying to buy a house, will i be able to get financing?
If you buy FHA or VA, yes now is fine.

If you want to avoid MI and use a conventional loan, I would need 20% down and can finance it on a portfolio loan with just slightly higher i ... more
0 votes Share Flag Thu Sep 18, 2014 Financing in 95818
christian.me…, Real Estate Pro in San Jose, CA
christian.mendoza1 answered:
How soon after a short sale can we get a conventional mortgage? We are in the Sacramento CA area.
I am a Mortgage Broker and have some great programs for you. Call me!
0 votes Share Flag Tue Aug 12, 2014 Financing in Sacramento
Derek Jones, Real Estate Pro in 95670
Derek Jones answered:
FHA Market Share
For Sacramento country in the month of June about 46% of sales were conventional and 23% FHA.
0 votes Share Flag Thu Aug 7, 2014 Financing in Sacramento
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
who can I talk in Colorado regarding purchasing a home after a short sale? My job was eliminated and I had to relocate from a small town to find a job
You don't have to wait.....

We have a portfolio "2nd Chance" loan that allows you to buy again just one day after Short-Sale or Foreclosure. You can only have one on your credit and ... more
0 votes Share Flag Thu May 22, 2014 Financing in 95818
RonS, Real Estate Pro in Concord, CA
RonS answered:
Is a homepath loan a harder one to get approved by a lender?
No. It's no different than any other GSE loan program. In fact, it's sometimes easier considering for one, you do not need an appraisal. There are sometimes, some higher fees and less n ... more
0 votes Share Flag Tue Apr 8, 2014 Financing in Sacramento
Hyatt Simons, Real Estate Pro in Sacramento, CA
Hyatt Simons answered:
LOAN AFTER A SHORT SALE FOR A PURCHASE IN NJ Any knowledge regarding who will qualify us?
The best first step to homeownership is to talk with a lender who specializes in home lending. You will need to choose a lender at some point so its the best place to start the home buy ... more
0 votes Share Flag Sun Feb 2, 2014 Financing in 95818
mark.ray, Real Estate Pro in Roseville, CA
mark.ray answered:
Need help finding a lender that does not adhere to Fannie Mae/Freddie Mac guidelines.
Rabobank in Roseville specializes in financing non warrantable condos. Our portfolio programs works with 20% down. I would love to help
916 225-5626
mark.ray@rabobank.com
0 votes Share Flag Tue Jan 7, 2014 Financing in Sacramento
kirksharon14, Home Buyer in Just Us, Atlanta, GA
kirksharon14 answered:
how long after a short sale to get a loan if you became disabled and did a short sale?
FHA Back To Work Program waives Foreclosure, Bankruptcy, And Short Sale waiting periods. Borrowers who lost their homes due to foreclosure no longer have to wait 3 years to apply for a ... more
0 votes Share Flag Sun Dec 1, 2013 Financing in 95818
Elizabeth We…, Other/Just Looking in Sacramento, CA
Elizabeth Weintraub answered:
It may be time for me to refinance. BK discharge March of 2010 500k 50% LTV 4 years from discharge to apply or fund?
You might fare better by calling directly a few mortgage brokers and independent banks to find out what is available to you. I have had clients refi after 2 years, and banks that do por ... more
0 votes Share Flag Wed Nov 20, 2013 Financing in Sacramento
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