Financing in Cleveland : Advice

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Michelle Har…, Real Estate Pro in Tampa, FL
Michelle Harris answered:
Will we get approved for a FHA or a first time home buyers loan?
FHA MORTGAGE LOANS ARE EASY TO QUALIFY FOR BECAUSE YOU CAN:
Purchase a Florida home 12 months after a chapter 13 Bankruptcy
Purchase a Florida 24 months after a chapter 7 Bankruptcy ... more
0 votes Share Flag Thu Apr 2, 2015 Financing in Cleveland
Sandy Thomps…, Real Estate Pro in Downers Grove, IL
Sandy Thompson Girolami answered:
Co-borrowing - auditor records.
Best to talk to a real estate attorney in your area. Not sure if there is away around that or not.
0 votes Share Flag Thu Jan 8, 2015 Financing in Cleveland
Leatherman, Home Buyer in Cleveland, OH
Leatherman asked:
Can non-occupying co-borrowers be on a loan for new construction if the builder carries the construction loan? Can non-occupying co-borrowers be on a loan for new construction if the builder carries the construction loan?
0 votes Share Flag Sun Dec 28, 2014 Financing in Cleveland
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Do non-occupying co-buyers appear on title, or can they remain off the title?
It does not matter who is occupying or not, that is irrelevant. As a co-buyer that person is partly responsible for payment of the loan as much as anyone else listed on the mortgage is. ... more
0 votes Share Flag Tue Dec 9, 2014 Financing in Cleveland
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Buying a 2nd house as new Primary Residence and Rent out Current Home, Mortgage Qualification
John,
I'm a formerly licensed loan officer and if the terms are as you suggest, you should be fine. I just hope you weren't counting rent into your DTI. That won't be a factor until y ... more
0 votes Share Flag Mon Oct 27, 2014 Financing in Cleveland
mrspennyryan, Home Buyer in Cleveland, OH
mrspennyryan answered:
Cleveland, OH. I am looking for a mortage loan for $40,000 or less. Do not have perfect credit but it's not bad. Any advice?
Hello, Are you from Europe, Canada, Asia, America or England searching for a very Genuine Loan? At an affordable interest rate? Processed within 3 to 6 working days. Have you been turne ... more
0 votes Share Flag Thu Sep 25, 2014 Financing in Cleveland
Lance Holtman, Real Estate Pro in 80138
Lance Holtman answered:
Does owning a timeshare helps when applying for a mortgage?
Maybe, Maybe not.

Is it a line item o the credit report? Are payments made on time? (Good things)

Does the debt cause you to exceed the accepted debt ratio of the loan program y ... more
0 votes Share Flag Mon May 12, 2014 Financing in 44145
Micah Riley-…, Real Estate Pro in 44224
Micah Riley-Local Expert answered:
Is there any private lenders in Cleveland Ohio? How do you find them?
I know of a couple private lenders. There are also "non-traditional" mortgage companies that will finance investors with non traditional financing. I am an investor and I bank with a ... more
0 votes Share Flag Thu Nov 14, 2013 Financing in Cleveland
Tony Garcia, Real Estate Pro in Charlotte, NC
Tony Garcia answered:
I am recently self employed about 6 months ago. I am working in the same field that I was as a w2 employee (8yrs in the field).
Jonathan,

You will need to wait until you have a minimum of 1 year of self employment, you will need to be able to document your income is at the same level or greater.
0 votes Share Flag Tue Oct 1, 2013 Financing in 44133
Ruthie Lowrey, Real Estate Pro in Brunswick, OH
Ruthie Lowrey answered:
how much has to be my income if i wanna buy a house and i want to take 90000 loan, please?
Mimi, so many variables to that. What is your downpayment? How long at your job? What is the monthly output for existing bills? What kind of house are you wanting to purchase? Do yo ... more
0 votes Share Flag Sat Aug 24, 2013 Financing in 44129
Phil Harris, Home Owner in Vancouver, WA
Phil Harris asked:
I'm looking to borrow 30k for a 4 unit. I have 20% available for a down payment, and my closing costs. Any suggestions for a local or national lender that might do a loan like this? Both my wife and I have excellent jobs, income,…
0 votes Share Flag Fri May 3, 2013 Financing in Cleveland
Stacy Collins…, Real Estate Pro in Cleveland, OH
Stacy Collins Sr. answered:
Looking for private lender or blanket loan
Call me at 216-369-7755 to discuss your needs in more detail. I may have a resource for you.
0 votes Share Flag Wed May 1, 2013 Financing in Cleveland
Tal, Home Buyer in New York, NY
Tal asked:
Looking for private lender or blanket loan I have purchased property in cash 5436 Highland Rd
I'm from Israel and looking for a way to take a mortgage
Please contact me if you have loan programs that will work for me.
Thanks
Tal…
0 votes Share Flag Wed May 1, 2013 Financing in Cleveland
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Buying a house with garnishment on credit
If there is a garnishment, that means there is a judgement. In most cases the judgement would have to be satisfied in order to get financing. However, more information is needed in orde ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in 44125
Lenderbradfo…, Real Estate Pro in Cleveland, OH
Lenderbradford answered:
will iI be able to get conventional financing 3 years after banruptcy with one paid collection?
Lydia,

As Cecilia said, lender want to see 2 years after a bankruptcy for FHA Financing. With Conventional Financing and a Chapter 7 bankruptcy you need to wait for 4 years befo ... more
0 votes Share Flag Sat Mar 16, 2013 Financing in Cleveland
Lisa Humenik, Real Estate Pro in Westlake, OH
Lisa Humenik answered:
Monthly cost of owning a condo
If you are looking to purchase a condo in Strongsville (at your highest price) at $100K, your payments would be approximately $450 (Principal & I), $150 (average condo maint), plus $200 ... more
0 votes Share Flag Tue Jan 15, 2013 Financing in 44136
Veteran Jose…, Real Estate Pro in 75052
Veteran Joseph Fernandez answered:
I have found a property I would like to purchase (to rent out) that is under $20,000. Any idea of lenders that I can go through for help?
"MEETING YOUR NEEDS AND EXCEEDING YOUR DREAMS!"

That will be a tough one, I have had a few clients find lending through quicken loans online and have seen them lend as low as 35k how ... more
0 votes Share Flag Tue Dec 4, 2012 Financing in Cleveland
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
refi/purchase fees
It would not be uncommon to see both an origination fee and points if you were getting a rate below par. As previously mentioned, the details of the transaction are important to determi ... more
0 votes Share Flag Fri May 18, 2012 Financing in 44118
Robert Erney, Real Estate Pro in Cleveland, OH
Robert Erney answered:
have two mortgages with two different lenders how can i refinace with no equity and bad credit and high ltv
This is a guy that you would want to talk to!
Josh Pick
Mortgage Consultant
216-236-2766
jpick@crefco.com

This message is for anyone else out there reading this! CANTACT ME ANYTI ... more
0 votes Share Flag Thu Feb 2, 2012 Financing in Cleveland
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