Financing in Sacramento County : Real Estate Advice

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 Drichman, Real Estate Pro in New York, NY
Drichman answered:
What to pay a mortgage broker if you don't end up using them?
We are like saints, and the government restricts what we can make and how we can make it. We are the most heavily regulated business on Earth. If you tried to regulate the income of a d ... more
0 votes Share Flag Wed Aug 24, 2016 Financing in Sacramento
Alex Greer, Real Estate Pro in San Jose, CA
Alex Greer answered:
I am 12 years into my loan. It's an FHA with pmi but pmi is very low now since I paid for it so long. My current rate is 4.50 on a 30 year loan.
A 15 year conventional would be perfect for you. You will probably lower your payment and lower the term of your loan. So, it is a win win.

Alex Greer
Loan Officer
NM ... more
0 votes Share Flag Mon Aug 22, 2016 Financing in Sacramento
mrssandratho…, Other/Just Looking in San Jose, CA answered:
Loan after short sale
i work under San Isidro Multi Co operation Loan Lending Company. It's a new company right here in Philippines and we have been able to broaden our scope over this few years. we have our ... more
0 votes Share Flag Tue Jul 26, 2016 Financing in 95818
Segaran Loge…, Home Buyer in Sacramento, CA
Segaran Logeswaran asked:
Refinancing after Bankruptcy I filed for Bankruptcy in July 2011 after failing in a fast restaurant business. I have a steady job. I am managing my finances good, have good amount of savings now. BofA modified my mortgage…
0 votes Share Flag Thu Jul 14, 2016 Financing in 95630
GBear, Home Buyer in Houston, TX
GBear answered:
Is ANYONE offering a home construction loan for doctors at 80-100% LTV in California? Looking to finance $850K-1million.
Anyone offering home construction loans for doctors at 90% LTV in Texas, max $1M?
0 votes Share Flag Thu Jul 7, 2016 Financing in Folsom
Derek Jones, Real Estate Pro in Fair Oaks, CA
Derek Jones answered:
I'm buying my first home right now. Is it normal for your mortgage broker to choose services such as title insurance for you without asking you?
Normal? It depends, is your lender local? The lenders I work with locally always meet with clients face to face to discuss the process of buying a home and whats involved. During the ... more
0 votes Share Flag Mon Jun 20, 2016 Financing in Sacramento
Va39developm…, Home Buyer in Tracy, CA
Va39developmentgroup answered:
price for homes recently sold in my area - 95608
In your area 95608 zip code has an Average Price / SqFt of $202
0 votes Share Flag Fri Jun 17, 2016 Financing in 95608
Prosper Real…, Real Estate Pro in Tucson, AZ
Prosper Realty answered:
Is a homepath loan a harder one to get approved by a lender?
Contact Home Loans For All. I can tell you from experience that they will help navigate through the Fannie Mae Homepath process. We send quite a few of our clients to them. We have an e ... more
0 votes Share Flag Sun Jun 5, 2016 Financing in Sacramento
Lisajhalter, Home Buyer in Folsom, CA
Lisajhalter answered:
Interested in possibly purchasing a home using the USDA Rural Development Loan Program somewhere within commuting distance to Rancho Cordova, CA.
What would be considering commuting distance? I already have an USDA Rural housing loan and I am interested in going that same route but how far do I need to look?
0 votes Share Flag Tue Feb 23, 2016 Financing in Folsom
Jeff  Marr, Real Estate Pro in Roseville, CA
Jeff Marr answered:
Is there a way to get a lender to count my restricted stocks as part of my income? My income is 120K per yr; 690 credit score; $300 mo. debt.
Dear LMP0696, all qualifying income we use needs to be considered stable, and will last for at least an additional 3 years after your loan is funded....if the lender's underwriter can't ... more
0 votes Share Flag Sat Jan 23, 2016 Financing in Sacramento
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
We had a short sale on an investment property in 2012 because coowners bailed on us. Cam we now pull a line of credit on a primary home or refinance?
Lenders have set up a strict guideline.
Most equity lines will not consider a loan that shows a short sale, foreclosure or bankruptcy on the credit report at all. That means 10 years ... more
0 votes Share Flag Tue Dec 8, 2015 Financing in 95818
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
Can I get some references to FHA lenders in the Sacramento area?
Please reach out to us to discuss your options..

Five Stars Mortgage
National Home Loan Resource
7 days week - 9am-8pm
Ph: 800-871-2636
0 votes Share Flag Tue Dec 8, 2015 Financing in Sacramento
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
When can I get a mortgage after a BK and Short sale?
Hello James, you may now qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and since it has been 2 years since your BK you may qualify FHA as low as 3.5% dow ... more
0 votes Share Flag Sat Nov 21, 2015 Financing in 95818
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
our property is closing at $115,000.00. Is $2688 reasonable for the broker fee. Who pays this fee.?
That works out to only 2.38% of the sale price. Cheap. Who pays? The closing statement will say who pays that money and to whom. Of course if you had been paying any attention at all ... more
0 votes Share Flag Wed Nov 4, 2015 Financing in Sacramento
George Dudley, Real Estate Pro in Tampa, FL
George Dudley answered:
I have really bad credit but a good rental payment history.
Sherry exactly how bad is your credit? There are different levels of bad
0 votes Share Flag Sun Nov 1, 2015 Financing in Sacramento
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Does the Lender pay the Mortgage broker fees. What is considered Padding?
The old days of meaningless lender fees as profit are largely gone. For residential real estate loans the origination fee is what a lender collects as their fee for services. I ... more
0 votes Share Flag Wed Oct 28, 2015 Financing in Sacramento
Kenji Inui,  in Irvine, CA
Kenji Inui answered:
What is my home with acreage worth? The house is 24 x 66; 3 bdrms, 2 baths, (1800 sqft) sitting on perm foundation attached to 2.75 ac.
I would be able to give you a rough estimate through my title/comp search. What are you trying to accomplish?
Please message me and I will be happy to answer any questions you may hav ... more
0 votes Share Flag Fri Jul 10, 2015 Financing in 95693
Jennifer Kei…, Other/Just Looking in Granite Bay, CA
Jennifer Keith-Weaver answered:
available mortgage loans
Hello there,
Reading our minimum waiting period guidelines it looks like for FHA loans, the waiting period depends on whether you were current on your mortgage payments leading up to t ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in 95818
Jennifer Kei…, Other/Just Looking in Granite Bay, CA
Jennifer Keith-Weaver answered:
Can I finance a home loan through my business with my EIN?
Hi there!
I know we only offer loans to individuals, not companies. We are great at helping self-employed borrowers qualify for loans though, if that's at all helpful!
Feel free to c ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in Sacramento
Randy Stoker, Real Estate Pro in Carmichael, CA
Randy Stoker answered:
How do I find out if someone has bad credit, liens against their property etc.?
I would allow your broker to do his job and research the prospect's credit and work history for you. You will need a current credit report and copies of prior years tax returns to fully ... more
0 votes Share Flag Tue Feb 17, 2015 Financing in Sacramento
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