Financing in Baltimore : Advice

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Michelle Har…, Real Estate Pro in Tampa, FL
Michelle Harris answered:
I can not catch a break. This is the second time going to 1st time homebuyers workshop. My credit scores are 612, 589, and 618. Lender needs 640 Help!
FHA MORTGAGE LOANS HAVE MINIMAL DOWNPAYMENT AND CLOSING FEES:

Down payment only 3.5% of the purchase price.
Gifts from family or Grants for down payment assistance and closing cos ... more
0 votes Share Flag Wed Mar 25, 2015 Financing in 21208
lsmith7520, Home Buyer in Baltimore, MD
lsmith7520 answered:
Is there any sort of rehab loan or financing available that can be used with a VA loan?
You find it, I'll rehab it to your specs, sell it to you turn-key.
Larry 410-458-3438
0 votes Share Flag Mon Jan 12, 2015 Financing in Baltimore
Kevin  Mayhew, Real Estate Pro in 21047
Kevin Mayhew answered:
in a settlement given in my attorney 's name.. it it safe to accept an escrow check
If you are referring to monies that were placed into escrow to insure that work was performed on a property you are in the process of purchasing or selling, the answer is yes. You shoul ... more
0 votes Share Flag Fri Nov 7, 2014 Financing in 21225
cyndi.otting…, Both Buyer and Seller in Baltimore, MD
cyndi.ottinger answered:
I have a house trying to refinance bad credit can't find ANY company/bank to assist me...any ideas?
LFG Investments.........Columbia, Md

Please give us a call at 443 300-7236 and ask for Cyndi!
0 votes Share Flag Mon Apr 21, 2014 Financing in Baltimore
Calvanaugh H…, Real Estate Pro in Owings Mills, MD
Calvanaugh Hoskins answered:
2 years post discharge (chapter 7 ,2010) bank yet to foreclose. Can I get a loan for a new house?
Give me a call at 443 660 9903.

Thanks.

Calvanaugh Hoskins
0 votes Share Flag Fri Apr 18, 2014 Financing in Baltimore
Tarik Walker, Home Buyer in Baltimore, MD
Tarik Walker answered:
Can i get a Jumbo loan or construction loan?
1 year employment or income can be possible with further explaination. Is it new job after graduation? Change of jobs but same industry or position? Brand new busines? From what you ... more
0 votes Share Flag Mon Feb 3, 2014 Financing in Baltimore
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Are home loans still available without income verification and a score in the 610 -620 range?
There are lenders like myself that are able to do no income verification loans, or stated income loans. These types of loans usually have high down payment requirements and may require ... more
0 votes Share Flag Fri Nov 22, 2013 Financing in 21207
Rebeccatrulia, Renter in United Amigos, Mesa,...
Rebeccatrulia answered:
I received a escrow refund check from my mortgage lender . Why is the lender giving me a refund instead of letting my escrow build-up over time?
Hi Scooby11

A reverse mortgage allows homeowners age 62 and older to convert a portion of the equity in their home into tax-free income, which they can then use to retire debt or pay ... more
0 votes Share Flag Tue Sep 24, 2013 Financing in 21225
ndouglastommy, Home Owner in Gambrills, MD
ndouglastommy answered:
If I refinance an existing mortgage, do I need to pay the state tax stamp?
If I refinance my family house and request a goodbye mortgage money for my town house, I will need to pay transfer taxes for the cash out amount? How much is the %?
0 votes Share Flag Sun Sep 22, 2013 Financing in 21231
fd, Home Owner in Baltimore, MD
fd answered:
Do any banks offer high LTV HELOC's in Maryland?
Hi. Key Bank offers HELOC and Home Equity loans up to 100% LTV. I'm not sure if they do business in Maryland, but I would check with them. US Bank does second home loans up to 90% LT ... more
0 votes Share Flag Mon Jun 3, 2013 Financing in 21212
Brent Mendel…, Real Estate Pro in Bethesda, MD
Brent Mendelson answered:
Paying Mortgage Insurance on a Refinanace of less than 78% LTV.
Are you going to live in the house as your primary residence?
0 votes Share Flag Mon Apr 29, 2013 Financing in Baltimore
Rich Homer, Real Estate Pro in 34108
Rich Homer answered:
My wife isn't working, do we have to include her debts to qualify for a mortgage. Can we apply in my name only? I need help!
Your best bet is to contact a local Mortgage Broker at "Find a Pro" in the header of this website.
http://www.naplesrealestateguys.com/
0 votes Share Flag Mon Nov 26, 2012 Financing in Patterson Park
Greg Myers, Real Estate Pro in 21771
Greg Myers answered:
Can a log cabin be financed in the State of Maryland?
You may want to try a Deep Creek lake lender...plenty of log cabins in Garrett County.
0 votes Share Flag Thu Sep 13, 2012 Financing in Baltimore
Nick Pakulla, Real Estate Pro in Rockville, MD
Nick Pakulla answered:
Second Mortgage Approval
The best way is to qualify on your own carrying both mortgages. There are "workarounds" that add a lot of complexity to your loan process (trying to count rental income on your current ... more
0 votes Share Flag Fri Apr 27, 2012 Financing in 21234
Laura Roskel…, Real Estate Pro in Odenton, MD
Laura Roskelly answered:
On what basis are City/Count Tax/Stamps based? If I paid $67. 5 years ago why are they now charging $650.
Hi Carol,

Your probably has increased in value 10 x's from years ago and of course like everything else taxes go up with them. Current rates are shown below and are based on the sal ... more
0 votes Share Flag Fri Apr 27, 2012 Financing in 21234
Gordon Haraw…, Home Buyer in Upper Marlboro, MD
Gordon Haraway answered:
Can I get a VA loan and keep my FHA loan?
The short answer is yes providing you qualify for both mortgages. You cannot use future rental income on the property you are vacating unless you have more than 30% equity and a rental ... more
0 votes Share Flag Sun Apr 22, 2012 Financing in Baltimore
Laura Roskel…, Real Estate Pro in Odenton, MD
Laura Roskelly answered:
Why does it take so long for the seller's title to clear on a foreclosure?
Hi Margaret,

This is ultimately for both the banks and your protection. They have to show a clear title from the previous owner to them in order to be able to convey it to you. You ... more
0 votes Share Flag Sat Apr 21, 2012 Financing in Baltimore
Anne Coscia &…, Other/Just Looking in Baltimore County, MD
Anne Coscia & Lora Graetzer answered:
I refinanced my mortgage with another bank. When should I get my escrow refund from the closed mortgage lender and a final statement?
As most comments mentioned you usually have your escrow back within 30 days time. In most cases the new lender will suggest you call the current service provider and "freeze" the escro ... more
0 votes Share Flag Wed Mar 28, 2012 Financing in 21225
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