Financing in San Marcos : Advice

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George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
If I buy a post-1976 manufactured home, what are the chances that the maximum age for a mortgage will go up to, say, 1986? We don't want to be trapped
It depends on where it's located...Location, Location, Location. It always comes down to affordability, if the stick built homes in the general area are priced high, then your MH will h ... more
0 votes Share Flag Tue Mar 17, 2015 Financing in San Marcos
Debra Peters, Real Estate Pro in 11901
Debra Peters answered:
Which is a better financial choice for a senior: manufactured home on a leased lot, or on an owned lot?
There are many things to take into consideration. How much is the home on the leased lot opposed to being on owned land? What are the taxes and maintenance fees? How often and how mu ... more
0 votes Share Flag Tue Mar 17, 2015 Financing in San Marcos
Teri Andrews…, Real Estate Pro in Auburn, CA
Teri Andrews-Murch answered:
Mortgages on pre-1976 mobile homes on owned land?
For owned land with a older mobile on it one lender suggested a land loan (mobile at no value). If located in a registered mobile home park you may be able to get a loan, try First Pa ... more
1 vote Share Flag Thu Jul 10, 2014 Financing in San Marcos
RonS, Real Estate Pro in Concord, CA
RonS answered:
Do you have a mortgage program that will work for someone who has a BK a year ago?
Ask yourself this; if you can get a loan without documenting your income or your assets and you don't need any credit and the entire purchase price is financed and the payments and cost ... more
0 votes Share Flag Tue May 6, 2014 Financing in 92069
Bob Willett, Real Estate Pro in Sacramento, CA
Bob Willett answered:
Interest-only mortgage home loan is for the affluent borrowers only- how do you justify this statement?
I think that may be accurate at some level, but it’s really a pretty stupid statement to make. Interest-only and even negatively amortizing loans do have a place in the market, ... more
2 votes Share Flag Fri Sep 6, 2013 Financing in 92078
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
New FHA loan with previous loan modification
Many lenders were looking at loan mods like short sales or foreclosures and wanting a 3 year wait. Give me a call and I can research the latest, there may have been some changes.
0 votes Share Flag Fri Aug 2, 2013 Financing in 92078
Edwin, Real Estate Pro in California
Edwin answered:
Max DTI for Jumbo Loan
Its Funny how people can quote things online without knowing all the information. Pleas feel free to give me a call to answer all your questions. At The end of the day is to find what i ... more
0 votes Share Flag Wed Jun 26, 2013 Financing in 92078
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
what is the average cost to build a 2000 sq ft house in San Marcos?

This should help. But Nick Rhea is absolutely correct about contacting a builder.
0 votes Share Flag Mon Jun 24, 2013 Financing in 92078
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Any lenders out there familiar with San Marcos, CA down payment assistance programs?
Most of those programs seem to run through CALHFA, basically it is a silent 2nd and you need 1/2% down. So some cities are signed up with CALHFA to offer it, we can go around and go str ... more
0 votes Share Flag Mon Jun 24, 2013 Financing in 92078
David Quinn, Real Estate Pro in San Marcos, CA
David Quinn answered:
If I want to pay cash for a condo, do I still need to go through any other approval?
Legally, you need nothing else. It is recommended that you provide documented proof of funds to the seller. This is a requirement in the CA Purchase Agreement. Realize that the contra ... more
0 votes Share Flag Sun Jul 8, 2012 Financing in San Marcos
Kevin C, Real Estate Pro in 92504
Kevin C answered:
Who are good lenders in this area?
I have known him for nearly 20 years and he and his staff are excellent: Dave Walling of Provident Bank Mortgage in Escondido at 760 480-1890 is the llocal guy to call.
0 votes Share Flag Wed Oct 5, 2011 Financing in San Marcos
John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
Any advice for self employed qualifying for a loan?My AGI makes it seem as if I don't make very much money, which in turn will not qualify me
Most self employed folks are in your same predicament nowadays. Unfortunately there are no more stated income loans which was about the only vehicle small business/self employed folks h ... more
0 votes Share Flag Sun May 29, 2011 Financing in San Marcos
Peter Teatai…, Real Estate Pro in San Marcos, CA
Peter Teatai Ariki answered:
How do I find the best deal on a mortgage?
A good deal is NOT neccessarily the lowest interest rate, it should be the Best rate one can get depending on ones' own personal circumstances and need for the loan. Keep in mind ... more
0 votes Share Flag Mon Nov 15, 2010 Financing in San Marcos
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