Financing in Virginia : Advice

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Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
95% LTV Jumbo loan needed with 5% down. Willing to pay PMI--excellent credit!
95% would be difficult at that loan amount. We do offer 95% NO PMI up to 850K At that loan amount you would likely be required to put down 10-15%.

Five Stars Mortgage
National Hom ... more
0 votes Share Flag Wed Jan 20, 2016 Financing in Vienna
USDAMTGHUB, Real Estate Pro in Valdosta, GA
USDAMTGHUB answered:
What is the income ceiling for USDA loans? Do your 401K have any bearing? What do you debt to income ratio have to be?
Your 401K savings does not have any bearing on the household income limits. The income limits depend on household size among many other factors. Contact us to discuss, we are always hap ... more
0 votes Share Flag Wed Jan 6, 2016 Financing in Charlottesville
Robert Pickl…, Real Estate Pro in Newport News, VA
Robert Pickles answered:
Can anyone recommend a Local refi lender with people who are willing to explain and follow through from beginning to end?

My name is Robert Pickles, I am a Realtor with Trustworthy Agents@Fathom Realty. I highly recommend Brad Schloss of Towne Bank Mortgage. Brad has helped hundreds of my clien ... more
0 votes Share Flag Tue Nov 17, 2015 Financing in Chesapeake
Jeff Hensel, Real Estate Pro in Oceanside, CA
Jeff Hensel answered:
Does anyone know of a conventional rehab/construction loan?
It sounds like the 203k rehab loans are difficult to obtain, come with many strings attached and have multiple waiting periods. Property inspectors need to come out and inspect the proj ... more
1 vote Share Flag Mon Nov 16, 2015 Financing in Virginia Beach
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Is there a law that states that you can't refi a mortgage within 6 months of the last refi or is that have something to do with commission chargeback?
I'm not aware of a law, but if the lender used a rebated to cover your loan fees, which may have appeared to you as a no cost refi, then they may charge the loan originator ba ... more
0 votes Share Flag Sat Nov 14, 2015 Financing in 22314
Kathy Lewis,  in Valdosta, GA
Kathy Lewis answered:
I'm a first time buyer looking for a usda mortgage in Front Royal VA, where should I start.
Reach out to us below, happy to help.

USDA Mortgage Hub
100% USDA Rural Housing Loans
Serving all 50 states
Ph: 800-691-8826 (7 days a week)
0 votes Share Flag Mon Nov 9, 2015 Financing in Front Royal
Amelia Robin…, Real Estate Pro in Falls Church, VA
Amelia Robinette answered:
HELOC to 30 years mortgage
You would do a cash out refinance on the rental property, use the cash to pay off the HELOC debt. This can usually be done in one transaction and the payoff can be handled by the settle ... more
0 votes Share Flag Thu Nov 5, 2015 Financing in 22191
Amelia Robin…, Real Estate Pro in Falls Church, VA
Amelia Robinette answered:
First Time Home Buyer 203k Loan in VA
What kind of broker? If you need a loan officer, I can recommend someone in Fairfax, if you need an agent, I'm happy to help. Both me and the loan officer have 203K experience.

703-4 ... more
0 votes Share Flag Wed Sep 16, 2015 Financing in Fairfax
Adam.carlan, Home Buyer in Goode, VA
Adam.carlan asked:
How does the FHA standard mileage rate "add back" work? Hello, I'm currently working with a lender and struggling to understand the FHA policies concerning the standard mileage rate deduction that I take as a self employed individual and…
0 votes Share Flag Sun Sep 6, 2015 Financing in 24556
Jeff Hensel, Real Estate Pro in Oceanside, CA
Jeff Hensel answered:
Anyone know of any Private Lenders, Hard Money Lenders that does lending to investors in the Fredericksburg, Stafford, NVA areas?
A quick Google search for "Virginia hard money lenders" should give you a good list to start with.
0 votes Share Flag Tue Jun 30, 2015 Financing in 22401
Kenji Inui,  in Irvine, CA
Kenji Inui answered:
Hi, is there a way to have my credit pulled just so that I can see if I qualify for a mortgage loan? Or what I need to do with my credit to qualify
Any lender will pull your credit for a pre-qualification. You can also use credit services such as freecreditreport, creditkarme, etc. Freecreditreport will give you 1 free report ann ... more
0 votes Share Flag Wed Jun 17, 2015 Financing in 23602
Leonajulli, Home Buyer in Fort Worth, TX
Leonajulli answered:
There there advantages to for not escrowing my homeowners insurance.
It all depends on how much you pay for taxes and insurance each year relative to the size of the loan. Unless you have a significant bill it will take a long time for the interest you e ... more
1 vote Share Flag Thu Jun 11, 2015 Financing in Norfolk
Andrew Liebe…, Real Estate Pro in Sunrise, FL
Andrew Liebenhaut answered:
How long does it take to get a VA loan letter? The sale of our house is complete except for this and we don't know how long to wait.

VA Mortgage Loans are available today for both honorably discharged Vets and active duty military personne ... more
0 votes Share Flag Wed Jun 10, 2015 Financing in 23322
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
How long does one need to live in a primary residence before it can be rented out as an investment property?
Depends on that property's mortgage and what the clauses in the mortgage state. Consult an attorney for legal guidance on your mortgage and the mortgage's clauses.

Be sure to thum ... more
0 votes Share Flag Fri Apr 24, 2015 Financing in Lorton
Brian Martuc…, Real Estate Pro in Bethesda, MD
Brian Martucci answered:
How to shop for a mortgage loan for a co-op unit ("share loan")?
On a co-op the best option you have is asking the listing agent or management company who the co-op has all of their "recognition agreements' with. These are the agreements that some le ... more
0 votes Share Flag Sun Apr 5, 2015 Financing in 23221
Melvin List, Real Estate Pro in Tampa, FL
Melvin List answered:
What's wrong with a 203k loan? My current lender is "not a fan" . He thinks they are a nightmare. Everything I read on the internet
Your lender is not a fan because they probably do not do them so you need to find a lender that does. The FHA 203K and the Homestyle Renovation loans are great products but only with c ... more
0 votes Share Flag Thu Mar 26, 2015 Financing in Powhatan
bhavik123, Home Buyer in Aldie, VA
bhavik123 answered:
Are Title Charges and Government Recording and Transfer charges will be same and can be ignore when comparing the different mortgage lender?
Thanks you for your suggestion. It will help me deciding the lender
0 votes Share Flag Mon Mar 16, 2015 Financing in Aldie
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
Is there a cap for home assessments in certain areas?
Give the assessor a call that completed the assessment, they will be able to help.
0 votes Share Flag Sun Mar 8, 2015 Financing in 23503
Brian Martuc…, Real Estate Pro in Bethesda, MD
Brian Martucci answered:
oceanfront condo
I can help with that if you like, we are licensed in all 50 states. But realize that on a rental property when you refinance you are typically limited to 75% loan to value on a standard ... more
0 votes Share Flag Fri Feb 20, 2015 Financing in 23451
The Graveline…, Real Estate Pro in Longmeadow, MA
The Graveline Group answered:
Are there any Hard Money Lenders that will do 100% in Virginia and what would the ltv need to be?
Have you checked yet? They might be able to help you.
0 votes Share Flag Wed Feb 4, 2015 Financing in Chesterfield
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