Financing in Alpharetta : Advice

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Mike Wilson, Real Estate Pro in 75201
Mike Wilson answered:
Can I refinance again under HARP program?
Just an FYI to anyone interested in the HARP Program........the government has extended the HARP Program so it's now available through December 31st 2016. If you haven't already you nee ... more
0 votes Share Flag Fri May 29, 2015 Financing in Alpharetta
Barry Wolfert…, Real Estate Pro in 30062
Barry Wolfert Lisa Wrenn Team answered:
can you remortgage with the same lender?
Sure. If they have a program you like, you can refi with the same company.
0 votes Share Flag Fri Aug 1, 2014 Financing in 30004
Jeff Jackson, Real Estate Pro in Brookhaven, Atlanta,...
Jeff Jackson answered:
Will I be able to have two mortgages?
I would be happy to discuss with you!

Jeff Jackson
BHHSGA
jeff.jackson@bhhsga.com
0 votes Share Flag Thu Jun 26, 2014 Financing in 30004
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
What bank or institution offer home equity LOC to non-resident aliens?
The question is, how did you obtain a social security number if you are a Canadian citizen? Were you at one time a US citizen? Another question: Do you have active credit lines on the c ... more
0 votes Share Flag Wed Apr 2, 2014 Financing in Alpharetta
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
Mortgage third party fees markup
You have many exceptional responses below. They are right on the money.
As others have explaned, there is a third party that has there hand in the till.
-
Years ago, Washington Mutua ... more
0 votes Share Flag Thu Nov 14, 2013 Financing in Alpharetta
Sandy Thacker, Real Estate Pro in Atlanta, GA
Sandy Thacker answered:
Will the bank let me carry two mortgages?
As long as you qualify (as detailed below), you should be in great shape. Having said that, you really need to discuss your scenario with a seasones loan officer as there are guideline ... more
0 votes Share Flag Wed Nov 13, 2013 Financing in 30004
Sandy Thacker, Real Estate Pro in Atlanta, GA
Sandy Thacker answered:
Pay $10000 towards principal but check returned
I suggest you wait until the servicing transfer is complete. I handle your type of scenario on a regular basis. Feel free to reach out to me.
0 votes Share Flag Sat Nov 9, 2013 Financing in 30005
Betty D. Scy…, Real Estate Pro in Georgia
Betty D. Scyphers answered:
Looking for local banks that offer residential construction loans
Call your local BB&T bank. They will be glad to answer all your questions.
0 votes Share Flag Thu Apr 25, 2013 Financing in Alpharetta
Marc D'Angelo…, Real Estate Pro in Roswell, GA
Marc D'Angelo - Lender answered:
Looking to Refinance - any reliable/honest recommendations?
I would love to help you with this and I can also provide references for you. I work for a local bank here in Atlanta and my turntimes on a refinace are under 30 days. I am available 7 ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in 30022
Marc D'Angelo…, Real Estate Pro in Roswell, GA
Marc D'Angelo - Lender answered:
For FHA streamline refinancing, if I pay down 22%, i.e. 78% remaining of original FHA loan value, do I have to pay MIP for 5 years for a 30 year loan?
Yes you must have MI for a minimum of 5 years with FHA on a 30 year loan.
0 votes Share Flag Wed Jan 23, 2013 Financing in 30005
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Two years out from my BK and all payments made on time since except two car payments I made late right before I paid it off. No hope for FHA ever?
FHA mortgages are the least restrictive for a previous bankruptcy. HUD requires that a minimum of 24 months must have elapsed from the DISCHARGE date of a Chapter 7 Bankruptcy before a ... more
0 votes Share Flag Mon Jun 11, 2012 Financing in Alpharetta
John J. Rein…, Real Estate Pro in Johns Creek, GA
John J. Reinhardt answered:
Is it better to refi with the bank holding your mortage currently or with a new bank? Looking to from 30yr fixed at 5% to 15yr fixed (wells fargo)
If you owe more then the house is worth your current lender most likely will cut you a better deal if your not to much under water.

John Reinhardt
0 votes Share Flag Tue Jun 5, 2012 Financing in 30022
Robert Robbi…, Real Estate Pro in Atlanta, GA
Robert Robbins answered:
we currently have an 80/20 interest only loan that works for us as we pay principal when our annual bonus comes. are these still around?
Rels,
There is another reason I would stay away from any ARM's previously you may have only had a 2% adjustment per either a year (based on Prime) or every 6 months(based o ... more
0 votes Share Flag Thu Feb 9, 2012 Financing in 30022
Andrew Luett, Real Estate Pro in Chicago, IL
Andrew Luett answered:
How has your experience been with BOA lately? I have a deal over there now. The internal communication between LO and Underwriting seems to horrible!
Strom,

You are correct, communication if often poor to really bad when dealing with large banks. My advise to you is work with an experienced, reliable loan officer at a mortgage co ... more
0 votes Share Flag Sat May 21, 2011 Financing in Alpharetta
Robert A Whi…, Real Estate Pro in Roswell, GA
Robert A Whitfield Broker answered:
Looking for a good broker for a $510K loan with 17% down.
HI Grant,

I have a few suggest lenders, and by the way, you want to use only a Direct Lender in this market, not a Mortgage Broker.

I will suggest Jason Young 678-608-2944 or Robi ... more
0 votes Share Flag Wed Jul 21, 2010 Financing in 30022
James Dudley, Real Estate Pro in Suwanee, GA
James Dudley answered:
DURING THE NACA WORKSHOP IN ATLANTA, PEOPLE WAS TALKING ABOUT HOW THEIR CURRENT MONTGAGE NOTE WAS LOWERED.DOES NACA HELP WITH LOWERING MORTGAGE NOTE?
Naca is a non profit organization that assists with loan modifications.

If you are having trouble making your mortgage payment speak to your current lender first and then you can als ... more
0 votes Share Flag Sun Jul 18, 2010 Financing in 30022
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Looking to get a loan with a 1040 self employed. who can i contact that work with people that make cash. yet still reports income but as cash. here
Gone are the days of stated income my friend. You'll qualify for what you report on your returns. However, there are ways of showing more income on your returns without having to g ... more
0 votes Share Flag Mon Jun 21, 2010 Financing in Alpharetta
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
My wife and I are looking to buy a home in Florida; one of us has above average credit and one does not...
Depending on where you live, the person with not so credit may still qualify for the loan. Most lenders I work with will not lend below Gainesville, FL (Tebow land). With scores down to ... more
0 votes Share Flag Thu Mar 25, 2010 Financing in Alpharetta
Ben Miller, Real Estate Pro in Alpharetta, GA
Ben Miller answered:
08's schedle c was more than this yrs but my agi still the same amount due 2 my other job. will having less income from my bus this year be a?
Take you AGI + Depreciation for 2008/2009. Add the two together and divide by 24 to get your gross monthly income. Now why is your 2nd job W-2 income? Why will it be less income this ... more
0 votes Share Flag Fri Mar 5, 2010 Financing in Alpharetta
Todd Sheppard, Real Estate Pro in Atlanta, GA
Todd Sheppard answered:
Is a 679 credit score good enough to get a loan? WHat about if I still have a bankruptcy on my record? It willl fall off in 1.5 years.
Kelli,

You should be okay for FHA assuming that the bankruptcy was discharged more than 36 months ago or October of 2006.

Obviously you still need to qualify from a debt to income ... more
1 vote Share Flag Thu Oct 22, 2009 Financing in Alpharetta
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