Brea : Real Estate Advice

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John Burke, Real Estate Pro in Austin, TX
John Burke answered:
I was recently denied my home loan by the underwriter just four weeks away from closing date. Now this was because of insufficient credit history
Hi Rcurtis,

You should get a 2nd opinion from another lender.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my ph ... more
0 votes Share Flag Tue May 24, 2016 Home Buying in Brea
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
Will I lose my Loan???? 2 Weeks before closing
Hi Megan,

What type of loan are you doing? If it's FHA this is not a problem.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the ... more
0 votes Share Flag Tue May 24, 2016 Home Buying in Brea
Daniellemast…, Home Seller in Cape Coral, FL
Daniellemastandrea answered:
Underwriter denies loan days before closing what can i do??????????????????????????????/
I am currently going though something similar. I went to the BOE for a mortgage loan. I provided my credit reports all bank statement all w2 employment history (everything) , advised I ... more
0 votes Share Flag Thu May 19, 2016 Home Buying in Brea
Bethany Will…, Renter in 77396
Bethany Willis answered:
My landlord has been collecting rent and not paying the mortgage, so the home is going into foreclosure. Is she breaking the law by collecting rent?
*** I have a question related to this:
I signed a lease with a so-called property manager. Really just a glorified neighbor.
I have not once spoken to the landlord. Who has moved out ... more
0 votes Share Flag Wed Mar 2, 2016 Rentals in Brea
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
Is it ok for my mortgage lender to tell the seller I have more then enough money to cover a higher down payment?
When you hand them your qualification letter that says "if you have any questions please call." You pretty much gave them permission to call.

The fact that you have more money, does ... more
0 votes Share Flag Fri Feb 26, 2016 Home Buying in Brea
Susan Smith, Real Estate Pro in Pepper Pike, OH
Susan Smith answered:
What should I be aware of regarding (free) builder incentives?
It can be a good thing. You are getting $5000 to upgrade items that you would like and it is increasing the value of your home. Many new home builders give incentives to home buyers a ... more
0 votes Share Flag Fri Dec 18, 2015 Home Buying in 92821
Nicole Fedor…, Real Estate Pro in Santa Ana, CA
Nicole Fedorchek answered:
mortgage company denied loan at closing do problems with the property do sellers get to keep my earnest money?
That depends on a few factors
1- were contigencies removed ?
2- Did the sellers withhold information about the property?
3- What does your contract say?

This question is best ... more
0 votes Share Flag Tue Oct 13, 2015 Home Buying in Brea
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
First time buying a home. Military family. What are steps we need to take?
Hi Rae,

The first thing you need to do is contact a lender and get pre-approved for a mortgage. Once you've been pre-approved you'll be given a pre-approval letter so you can start s ... more
0 votes Share Flag Wed Sep 30, 2015 Home Buying in 92823
Richard Litt…, Real Estate Pro in Orange, CA
Richard Littlefield answered:
well is under family room floor can this go usda?
Now there is a question as to where you are. It says Brea and Hanover PA. If Brea you may not get a USDA loan as the whole city is ineligible. Most of Hanover PA is not eligible either. ... more
0 votes Share Flag Tue Aug 18, 2015 Home Buying in Brea
Trisha Samse…, Real Estate Pro in Westlake Village, CA
Trisha Samseli answered:
I have decided to go into real estate, here in Southern California. Any advice on which school to go to? Online or in person. Either, plz.
I went to CBI in Canoga Park. LOVED IT! If you are in the area, definitely check it out. Armando Oliva is the instructor and he keeps it interesting. Otherwise, the material is dry.
0 votes Share Flag Wed Aug 5, 2015 Agent2Agent in 92821
Justin Tye, Real Estate Pro in Corona, CA
Justin Tye answered:
My son is buying his first home. The lender has stipulated that he HAS to take a Budgeting class costing HIM $100.00! Is this even LEGAL?
Hello kimj247,
As a first time buyer they shouldn't be making your son take a "budgeting class" and do you know where that money will be going towards? Just make sure that there isn't ... more
0 votes Share Flag Fri Jun 26, 2015 Home Buying in Brea
,  in
answered:
I applied for a hardmoney loan because i did a short sale,because we grown out of our home ,i told a lender i need to make sure i'm going to
Reliable communication with your lender is very important. Before committing to a lender it may worth the time to ask for previous clients of the lender to speak with and get an idea of ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in Brea
Alex Greer, Real Estate Pro in San Jose, CA
Alex Greer answered:
How to report unethical practices of underwriters. Where may I submit a complaint.?
Underwriters report to know one. They require no licensing from the government. The only people you could report is the lender as a whole.

I do not check replies, so if you have a co ... more
0 votes Share Flag Mon Jun 1, 2015 Home Buying in Brea
angelinaball…, Other/Just Looking in Jerseyville, NJ
angelinaballerina answered:
Do I have any recourse against a lender that stated for 6 weeks that I was approved for my loan only to have the underwriter deny it at closing time?
'I'm in the same boat. Loan officer stated that my file went to underwriting on March 17th. On May 18th, I get an email from a newly assigned loan processor that tells me the loan is ap ... more
0 votes Share Flag Sun May 31, 2015 Home Buying in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
1st time home buyer... what is the recommended "1st steps" when starting the process?
Meeting with a loan officer is the first step so that you can collectively determine how much you can borrow. I recommend speaking with a few mortgage brokers before deciding. You wil ... more
0 votes Share Flag Tue May 26, 2015 Home Buying in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
Does anyone know any real estate investment seminars in the Orange County, CA area??
I would highly recommend "Bruce Norris" .... he is incredible!! My clients, including myself, have made quite a bit a money following him. His analysis of the southern CA market is un ... more
0 votes Share Flag Tue May 26, 2015 General Area in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
if my loan goes to the underwriter and she sends back to conditions I satisfy the conditions do they have to close or can they just write new conditio
Yes they can add as many as they please given the lending environment. It begs the question, why didn't they just ask for it all at once.......however the the overlays are there to mak ... more
0 votes Share Flag Tue May 26, 2015 Home Buying in Brea
Houk.earl01, Home Buyer in Brea, CA
Houk.earl01 answered:
I'm refinancing my home and the bank is asking me how I got the funds to pay off a vehicle loan. I sold the car and paid the loan.
Do You Need A Loan to pay of your bills @ 2%? if yes Copy to Reply this email: houk.earl001@gmail.com for more details,Name,Amount,Duration&Mobile.

interested applicant should emai ... more
0 votes Share Flag Wed May 13, 2015 Home Buying in Brea
Ron Krauch, Real Estate Pro in Crestwood, IL
Ron Krauch answered:
can i get my aprasial money back if the loan did not go thru on a home loan?
The answer is almost always "no" because the appraiser did their job. It's just part of the cost of performing due diligence when buying a home.

Ron Krauch
Managing Broker
Emerald ... more
0 votes Share Flag Sat May 9, 2015 Home Buying in Brea
Ron Krauch, Real Estate Pro in Crestwood, IL
Ron Krauch answered:
My question is regarding fire insurance.
Yours is a question that serves buyers everywhere to do their due dilligence regarding homeowner's insurance when they buy. The contract we use in my market has a specific out clause f ... more
0 votes Share Flag Sat May 9, 2015 Home Buying in Brea
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