Financing in Baldwin County : Advice

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Larry Hunter, Real Estate Pro in Fairhope, AL
Larry Hunter answered:
Who will finance the Magnolia Bay Condos?
Are you talking about Magnolia Beach Condos which on the bay in Fairhope? If so, then I can finance those. My name is Larry Hunter with Home Mortgage here in Fairhope, Alabama. 251-7 ... more
0 votes Share Flag Tue May 28, 2013 Financing in Fairhope
Larry Hunter, Real Estate Pro in Fairhope, AL
Larry Hunter answered:
My client has a medical collection of $80 for 1 month on his credit report. It dinged his FICO more than 120 points! Mortgage folks-advice, please?
Liz,
Most mortgage brokers do not count medical collections, unless they are of an amount over $1,000. It is strange his credit decreased by the amount you stated. I always look on ... more
0 votes Share Flag Fri Oct 12, 2012 Financing in 36532
Mary McNair, Real Estate Pro in Fairhope, AL
Mary McNair answered:
I see that there are a couple of Loan , now willing to loan to poor credit (580-639). One is Vanguard......
Another source available to you to help you get your credit where it needs to be so that you are able to get financing is Baldwin Housing Alliance. They can help you through the process ... more
0 votes Share Flag Wed Sep 12, 2012 Financing in 36535
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Are there any local mortgage lenders in Baldwin County who are really "local"?
I am not really sure why you need someone "local". Where a person is physically located really has no impact on their knowledge and abilities. I am in Atlanta, but I do a lot of lendi ... more
0 votes Share Flag Tue Jun 19, 2012 Financing in 36576
Julie Martin, Real Estate Pro in Mobile, AL
Julie Martin answered:
i am moving back to the Lillian area and need to buy a home. I have a Bankruptcy from a year ago how difficult will it be to get financed in this ar?
Email Rodney or give him a call. He's in Atlanta, but he can help you also here. Let me know. I can help you find something in Lillian once Rodney gets you pre-approved.
0 votes Share Flag Sun Jul 31, 2011 Financing in Lillian
Janet M. Nat…, Real Estate Pro in Baldwin, NY
Janet M. Nation answered:
how can a house be appraised for 127,000 in 2010 and reappraised a year later for 86,000?
The only work around I see is for you to go to another lender and see if the home appraises for a higher amount. That will mean a new mortgage application and a another appraisal fee ... more
0 votes Share Flag Thu May 5, 2011 Financing in Bay Minette
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
Are Home Path Mortgage rates the same with all lenders?
Sam, I think you are not correct. I work for a bank, but had worked for a broker before this and we had outlets for placing homepath loans.
However, to answer the original poster, ... more
0 votes Share Flag Tue Aug 17, 2010 Financing in 36526
Dedra Lipsco…, Real Estate Pro in Daphne, AL
Dedra Lipscomb answered:
WHAT IS THE DIFFERENCE BETWEEN THE APPRAISAL PRICE AND THE PROPERTY VALUE?
Hal,
The appraisal is an estimate of value provided by a certified Appraiser, usually on behalf of a lender, but also sometimes for a property owner. It is based on sold properties, ... more
0 votes Share Flag Tue Jul 7, 2009 Financing in Robertsdale
Barbara Weis…, Real Estate Pro in Tenafly, NJ
Barbara Weismann answered:
What advice can you offer on down payments?
The more money you put down, the smaller the mortgage. Using a 30 year fixed rate mortgage at 5.25%, the factor is 5.52 or $552 for every $100,000 of mortgage. How much you save every ... more
1 vote Share Flag Thu Apr 30, 2009 Financing in 36526
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