Financing in San Ramon : Advice

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Mona Koussa-…, Real Estate Pro in San Ramon, CA
Stricter mortgage underwriting standards, higher unemployment, and heavy student debt are among the key factors that stand in the way of many potential buyers in their 20s and 30s to become homeowners.… Read more
Blogged Thu Apr 10, 2014 by Mona Koussa-Listing Specialist Home Buying Financing
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Jennifer Bee…, Real Estate Pro in California
As I sit typing this I have a purchase that is supposed to close in two days. My loan docs were out last week and my borrowers have already signed.  The seller has moved out of their home and everything… Read more
Blogged Sun Nov 17, 2013 by Jennifer Beeston Home Buying Financing Agent2Agent
Mona Koussa-…, Real Estate Pro in San Ramon, CA
Source: The LA Times Borrowers are already expected to face a challenging lending environment in 2014, and potentially adding to the challenges is a reduction in loan maximums next spring. Simply put,… Read more
Blogged Fri Nov 8, 2013 by Mona Koussa-Listing Specialist Home Buying Home Selling Financing
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Mona Koussa-…, Real Estate Pro in San Ramon, CA
According to the Federal Housing Finance Agency’s (FHFA) index on mortgage interest rates, there was an increase of 0.11 percent from August to September, thereby verifying the upward trend of rates.… Read more
Blogged Sat Nov 2, 2013 by Mona Koussa-Listing Specialist Home Buying Financing
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Mona Koussa-…, Real Estate Pro in San Ramon, CA
Quick!  You’re having your house appraised!  What can you do to maximize home values? If you are like most people, the only time you really “see” your home is when you have company… Read more
Blogged Sat Oct 26, 2013 by Mona Koussa-Listing Specialist Home Selling Financing
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Mona Koussa-…, Real Estate Pro in San Ramon, CA
Mona Koussa is a local realtor. To get your questions answered, just call 925-831-9615 Read more
Blogged Sat Oct 26, 2013 by Mona Koussa-Listing Specialist Home Buying Financing
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Alex Greer, Real Estate Pro in California
Alex Greer answered:
Is 90 % ltv equity loan available?
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 San Ramon
Alex Greer, Real Estate Pro in California
Alex Greer answered:
What is our chance with a lender if we have 2 loans with them?
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 San Ramon
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
Does anybody know of any lender who does a "no PMI" loan with 10% down?
Ishaq,

As already mention, lender paid mortgage insurance is an option; however, the interest rate will be higher. Single premium buyer paid mortgage insurance is another option, if ... more
0 votes Share Flag Wed Aug 14, 2013 Financing in 94582
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
What is th limit of Jumbo Conforming loan in WIndemere San Ramon for 2011? 729k or 625k ?
$729,950 for FHA which allows a smaller down payment of 3.5% with a 580 or higher score.
0 votes Share Flag Sun Jul 28, 2013 Financing in San Ramon
John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
im trying to get a home equity loan. im currently unemployed. can i get a cosigner.?
@NJ9000

It is John and not Juan.

I understand what you are saying but you strategy is no going to convince a lender that you are a good risk or a co-signer to be foolish enough to ... more
1 vote Share Flag Tue Jun 25, 2013 Financing in San Ramon
Grace Tam, Real Estate Pro in Dublin, CA
Most lenders need 30 days paystub in order to fund a loan if you change your employment during a loan transaction, and this will delay your days to close escrow. Now, I have a solution for that.… Read more
Blogged Wed May 29, 2013 by Grace Tam Financing
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Rick Lane, JD, Real Estate Pro in San Ramon, CA
Rick Lane, JD answered:
looking for private money, collateral is fully paid investment home.
Iron Oak Home Loan has many programs in this area. Very nice, experienced people who will work hard to get you what you need.

Please call Rich Mendoza, (925) 803-2465, rich@richmend ... more
0 votes Share Flag Fri May 24, 2013 Financing in 94582
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Is it time to get another lender? Is it okay to have 2nd lender work on it while the 1st lender trying to close? Any cost/legal issues ?
It only takes a few dozen questions to qualify you and go over your options, rates, terms and timeframes. Here are some links to study and consider that I offer.

http://www.under640f ... more
0 votes Share Flag Mon May 13, 2013 Financing in San Ramon
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
im considering refi i'd like to know what banks would have the lowest closing costs and best rates avalable
Hello again, depending on your credit profile, DTI, fico scores and how much money you want to invest into the down payment and closing cost is going to determine which bank to place yo ... more
0 votes Share Flag Sun May 12, 2013 Financing in San Ramon
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
10% down in San Ramon
Hi,

You have a lot of options. 10% down is the sweet spot I believe, as it is a lot less money than 20% down yet the mortgage insurance is much lower than 3% or 5% down options. Le ... more
0 votes Share Flag Sat May 11, 2013 Financing in San Ramon
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Hello , i am looking mortgage like hard money , i can give 20% down , purchase price 750k , deadline april29, if you can help me plz email me , thanks
Hello Andrey, You may qualify for FHA 10%-20% down with fico scores between 500-579 and 3.5% down and as low as half percent down from a minimum 580 fico score. It only takes a few doze ... more
0 votes Share Flag Thu May 9, 2013 Financing in San Ramon
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Can anyone let me know if there is a no cost refinancing program? I am hearing conflicting info frommy wife.
Yes all lenders have them.

The no cost option always has a higher rate and so they are never free.

What you need to do is compare the monthly savings on the loan with closing co ... more
0 votes Share Flag Thu May 9, 2013 Financing in 94582
Grace Tam, Real Estate Pro in Dublin, CA
Grace Tam answered:
do you look at uniform commercial codes on credit report.?
The UCC deals primarily with transactions involving personal property (movable property), not real property (immovable property). are you looking for home loan or can you be more specif ... more
0 votes Share Flag Thu May 9, 2013 Financing in 94582
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