Financing in Oregon : Real Estate Advice

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Sheree Cox, Home Buyer in Cottage Grove, OR
Sheree Cox asked:
How can I finance a $15,000 lot in OR that has power and good shared well. I have $3000 for downpayment. Credit 643-663 with great cosigner. Why wont anyone finance anything less than $25000? I don't plan to build until I retire in 6 years and move to where the lot is.
0 votes Share Flag Sun Apr 3, 2016 Financing in Oregon
Lmjaap7, Home Buyer in Portland, OR
Lmjaap7 answered:
who are the best hard money lenders in oregon?
Looking for land lender in Oregon-
50% loan
R1-development land
0 votes Share Flag Thu Mar 31, 2016 Financing in Portland
MCM_STL, Home Buyer in Saint Louis, MO
MCM_STL answered:
Stated income mortgages in Oregon
Here's something else to think about: You cannot directly compare the cost of rent to the cost of owning a home on a mortgage payment alone.

Most mortgage calculators ignore insuran ... more
0 votes Share Flag Tue Mar 22, 2016 Financing in Beaverton
Jcroslow, Home Buyer in New York, NY
Jcroslow answered:
Is there a way to finance a park model?
Hello my name is Jeff Croslow,
I'm the General Manager @ Factory Expo Homes in California. WE BUILD PARK MODELS EXCLUSIVELY! ( We don't build anything else! )
We are located in the ... more
0 votes Share Flag Thu Jan 21, 2016 Financing in Oregon
Jessica Tayl…, Real Estate Pro in Eugene, OR
Jessica Taylor answered:
Can I use 401k money for down payment without penalty.?
You might look into rolling over your 401k into an IRA. I recommend you speak with a mortgage advisor. There are even down payment programs that you might qualify for. Feel free to cont ... more
0 votes Share Flag Tue Jan 19, 2016 Financing in Roseburg
Mike Worthin…, Real Estate Pro in Lake Oswego, OR
Mike Worthington answered:
I am currently filing a bankruptcy and will be done with it in about 4 months . How long before I can start looking at first time home buyer programs?
If you file for Chapter 7 or 11:
4 years to get conventional financing.
2 years for FHA financing.

The waiting period begins at the time of discharge.
0 votes Share Flag Mon Jan 11, 2016 Financing in Portland
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
Refi apprasale. Back yard is over grown, does it matter ?
Since you feel it will be an issue, I'd make an attempt to cut and remove as much as possible - starting with the area closest to your home, pushing back to your property line.
0 votes Share Flag Mon Jan 11, 2016 Financing in 97217
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
How many queries at one time will effect my FICO score?
Cheryl,
In theory, each inquiry will reduce your score. If they are all from Mortgage Companies and happen within 10 days, they should only count as one. This is not critical unless ... more
0 votes Share Flag Fri Oct 9, 2015 Financing in 97739
Meredith Lan…, Real Estate Pro in Albany, OR
Meredith Lankford answered:
Do you offer Rural Development loans?
Rural Development loans don't cover manufactured homes. FHA does, however, depending on how old the home is.
0 votes Share Flag Mon Aug 10, 2015 Financing in 97386
Table Realty…, Real Estate Pro in Fair Oaks, CA
Table Realty Team answered:
I have terrible credit due to divorce and need a small loan on the equity in my home. Can anyone help me?
There are several ways to raise capital if you have poor credit. One way is through crowd funding from sites like Prosper.com or LendingClub.com. Trulia also wrote a good article on fix ... more
0 votes Share Flag Tue Jul 21, 2015 Financing in 97206
Mike Worthin…, Real Estate Pro in Lake Oswego, OR
Mike Worthington answered:
can I get VA loan even tho my husband (the veteran) is deceased?
Hi Pamela,

As others have stated below, it is certainly possible for a surviving spouse who has not remarried to take advantage of a VA home loan. There are essentially three caveats ... more
0 votes Share Flag Tue Jul 21, 2015 Financing in Portland
Yaw Anku, Other/Just Looking in
Yaw Anku answered:
FHA Backed Lender Advice in the Portland Area?
Here's a list of FHA Approved list of lenders in Portland that can help with your loan search
http://www.homebuyerwise.com/fha-approved-lenders/Portland-OR_21721
You can also try sear ... more
0 votes Share Flag Mon Jul 20, 2015 Financing in Portland
Jbdonzi, Home Buyer in Saint Augustine, FL
Jbdonzi answered:
Ideas? Berm home w/o "recent" appraisal comps (that are berms), Oregon, owners are desperate to sell, we have money, but no one will
We purchased a berm home about 13 years ago and had the same problem. The home is on riverfront property that is in a perfect location. We ended up getting financing through a local ban ... more
0 votes Share Flag Sun Jul 19, 2015 Financing in Grant County
John Steinbe…, Real Estate Pro in Ashland, OR
John Steinbergs answered:
Can I get a Loan when i am not an us citizen?
Another option out there is private money. Private loans are out there but typically have shorter durations and higher interest rates. I'm always available to discuss non conventional ... more
0 votes Share Flag Wed Jul 15, 2015 Financing in 97520
Monamarie Mc…, Real Estate Pro in Clackamas, OR
Monamarie McCreary, SFR answered:
Do I have to loose my perfect credit rating just to get help with my mortgage?
Dear Islandboy,

Have you considered a Reverse Mortgage?

You'll need to have some equity and everyone on title must be at least 62 years of age to qualify. I recommend you call a ... more
0 votes Share Flag Fri May 15, 2015 Financing in 97222
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