Financing in Santa Rosa : Advice

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Jeff Hensel, Real Estate Pro in Oceanside, CA
Jeff Hensel answered:
Does anyone know of a hard money lender that lends 90-100% for 3 yr term? Credit score is 565 after divorce... starting over! Have solid 6 fig income.
Reputable hard money lenders do not lend 90-100% of the value of the property. The minimum down payment required from the borrower is generally 20%. It will be very difficult/impossible ... more
0 votes Share Flag Tue Jun 30, 2015 Financing in Santa Rosa
Omar Khamisa, Real Estate Pro in stockton, CA
Omar Khamisa answered:
Does FHA require a home inspection, and do they have specific requirements for the inspection?
HI Brandon

only time home inspection is required if appraiser indicate health/safety issues.

good luck

Omar Khamisa
0 votes Share Flag Sun Feb 23, 2014 Financing in Santa Rosa
Alex Greer, Real Estate Pro in San Jose, CA
Alex Greer answered:
Is there any option for refi with a non-Freddie/Fannie loan that is underwater? We have naver made a late payment--just want to switch to a 30 yr fix
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 95404
Rudi Hofmann, Real Estate Pro in El Segundo, CA
Rudi Hofmann answered:
Does Anyone know when the new Obama refinancing plan will begin, where underwater homes with regular payments will be able to be re-fi'd ?

Here is the recent update from my previous post on 10/25. Looks like it will be March 2012 before the full program will available. Click on Guide Announcement - SEL-2011-12. h ... more
0 votes Share Flag Sat Nov 19, 2011 Financing in Santa Rosa
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
What will be the effects of the new lending law affective April 1st ? I am refinancing main house in Ca,but the lending co. is in Florida.?
Trust me! It is better to lock now! You can count on rates for consumers going up further after 4/1/2011. Anyone is says no just doesn't get it. Neither does the FED.
0 votes Share Flag Wed Mar 30, 2011 Financing in Santa Rosa
Yarrow Kubrin, Real Estate Pro in Santa Rosa, CA
Yarrow Kubrin answered:
How do I find the best deal on a mortgage?
The best deal on a mortgage should not be viewed solely from the rate (or cost of funds). Service and your loan officers accessibility are other criteria worth considering. Rate is impo ... more
0 votes Share Flag Sun Mar 27, 2011 Financing in Santa Rosa
Shawn Hermos…, Real Estate Pro in ,
Shawn Hermosillo answered:
Hello, I was wondering if i can my current year's income (2010) to qualify for a loan, as I am making more money this year than last.
Hopefull 1

That is a great question that is best answered by a seasoned loan officer. Call the bank that you have your savings and checking account with and ask them to tell you if ... more
0 votes Share Flag Sat Feb 27, 2010 Financing in Santa Rosa
Jennifer Bee…, Real Estate Pro in ,
Jennifer Beeston answered:
Three LLC questions-- see details below.
Check out Luther Burbank. They are the only lender I know of that will work with LLC's
0 votes Share Flag Fri Dec 18, 2009 Financing in 95401
Jesse Sierra, Real Estate Pro in Chino Hills, CA
Jesse Sierra answered:
What is the affect, if any, of changing your name (due to marriage) right before/ in middle of closing escrow?
Hi Lookee,
Talk to your agent and lender on Monday morning and tell them what is going on.

Best Regards,

Jes Sierra, B.Sc.
Century21 Beachside Realtors®
Chino H ... more
0 votes Share Flag Sun Nov 8, 2009 Financing in Santa Rosa
Robert Spino…, Real Estate Pro in Mill Valley, CA
Robert Spinosa answered:
what debt settlement program that you know and trust?
Speak with Hannah Fliegel at (415) 999-9348.
1 vote Share Flag Wed Oct 14, 2009 Financing in 95404
Marty S,  in Irvine, CA
Marty S answered:
How long after a foreclosure before a lender will consider loaning money if buyer has 20% down and good?
4 years, unless you go with an Alt-A Company which will allow 2-3 years in some cases.

I am a Loan Officer. If I can be of assistance, please let me know.

Martin.Smith@Emeryfed.c ... more
0 votes Share Flag Mon Jul 6, 2009 Financing in 95404
Mike Kelly &…, Real Estate Pro in Santa Rosa, CA
Mike Kelly & Allison Norman answered:
My sister and I inherited a condo with an estate mortgage. We will continue to make the mortgage payments. We
I agree with Craig, I'd talk to a Trust/Probate/Estate Attorney. You are referring to the 'Alienatoin Clause" of the Note secured by the Deed of Trust on the subject property. Take this ... more
0 votes Share Flag Wed Jun 24, 2009 Financing in 95405
Lisa Nunes, Real Estate Pro in ,
Lisa Nunes answered:
how much will buying a car impact my home refinance?
Hi Jason,
I see now that you asked this question in November, and I'm responding in January. Hopefully you didn't buy a car yet. Interest rates are great right now, so if you hav ... more
0 votes Share Flag Fri Nov 16, 2007 Financing in Santa Rosa
Sheila Lawre…, Real Estate Pro in Sebastopol, CA
Sheila Lawrence answered:
Who are good lenders in this area?
I can give you 3 recommendations, than I would suggest you call all three and talk to them to see who answers your questions the best. The 3 are: Mark Husking of Blue Oak Mortgage @ 7 ... more
0 votes Share Flag Fri Aug 10, 2007 Financing in Santa Rosa
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