Home Buying in 21225 : Real Estate Advice

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Isaiah Y., Real Estate Pro in Rockford, IL
Isaiah Y. answered:
Can My FHA loan still be denied after Pre approval?
It's very possible. If certain factors change from time of pre approval to time of closing. Home Loans For All just put out an article titled "8 Ways To Not Mess Up Your Mortgage Approv ... more
1 vote Share Flag Wed Feb 24, 2016 Home Buying in 21225
USMortgageRa…, Real Estate Pro in Plano, TX
USMortgageRanger answered:
Can a different lender be put in on a HUD home after a denial from one has already been sent in to HUD?
It will depend on the reason for the denial that the other Lender gave you. Its now up to you get a new approval and move fast so that HUD does not put the home back on the market. Send ... more
0 votes Share Flag Sat Apr 25, 2015 Home Buying in 21225
Jim Hitchcock, Real Estate Pro in Westminster, MD
Jim Hitchcock answered:
I recently refinanced and I want to know - Does the bank have rights to use my Escrow account balance to pay off my loan?
Some banks/lenders will "net" the current escrow balance from the payoff of their loan. This is simply a way of refunding the escrow account balance to you immediately at the time of p ... more
0 votes Share Flag Fri Apr 17, 2015 Home Buying in 21225
Susan Derosi…, Real Estate Pro in Glen Burnie, MD
Susan Derosier answered:
Can I get a loan if I don't have a credit score?
There is a way to get a loan without a credit score. Lenders can use the bills you are paying to get the information they need to give you a loan. I can get you in touch with some goo ... more
0 votes Share Flag Mon Apr 6, 2015 Home Buying in 21225
Robert Hanson, Real Estate Pro in Olney, MD
Robert Hanson answered:
hi, planning to buy a house of 500k, my sal details latest w2 100k, last year 82k. credit score : mid : 760.
Hello, You are in a tight situation, but with an experienced lender there may be a way through it. Not all deposits are dis-allowed you just have to be careful to document properly. I w ... more
0 votes Share Flag Fri Feb 7, 2014 Home Buying in 21225
Marlene Roge…, Real Estate Pro in Linthicun Heights, MD
Marlene Rogers answered:
My loan is in underwriting, what are my chances ? here's the facts
I like Akil's answer best. I'd add to deal with your lender and agent. If the deal may tank due to DTI; they should know how to re-direct you. MOVE FAST!! Word on the streets is that Fa ... more
0 votes Share Flag Tue Dec 10, 2013 Home Buying in 21225
Akil Walker, Real Estate Pro in Upper Marlboro, MD
Akil Walker answered:
Thoughts about why Wells Fargo denied my fha loan?
Hi Brilyn

I am assuming your DTI (Debt to Income ratio) went up or something popped up on the credit. I would recommend you obtain a second opinion from another Loan officer.

... more
0 votes Share Flag Tue Nov 27, 2012 Home Buying in 21225
John Sullivan, Real Estate Pro in Bethesda, MD
John Sullivan answered:
Can i re apply for an FHA loan after denial?
If you were denied, I would recommend you stop by the Convention Center Nov 29-Dec 3. Neighborhood Assistance Corp of America (NACA) is hosting an event where they will be able to help ... more
0 votes Share Flag Tue Nov 27, 2012 Home Buying in 21225
Jessica Hood…, Real Estate Pro in Gambrills, MD
Jessica Hood & Laura Roskelly answered:
I received a commitment letter from Wells Fargo and they gave me a closing date of 4/27/11. They called me the day of denying me. What can I do?
Hi V,

Other factors go into a loan approval besides credit score. If anything changed while your loan was processing including credit score, debt ratio, new credit or change in empl ... more
0 votes Share Flag Fri Jun 22, 2012 Home Buying in 21225
Ahmad Rozegar, Real Estate Pro in Lutherville, MD
Ahmad Rozegar answered:
i was deniad becouse of my credit bureau im now clean
The best way to know if and when you can reapply to purchase a home is to find a loan officer who you feel comfortable with to pull your credit report and advise you on this. ... more
0 votes Share Flag Fri Jun 22, 2012 Home Buying in 21225
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