Financing in Chula Vista : Real Estate Advice

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John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
How hard is it to get financed for an older mobilehome?
It's extremely difficult to get adequate and fair financing on a pre HUD (June 15, 1976 or earlier)
0 votes Share Flag Sat Jan 10, 2015 Financing in Chula Vista
Robert Chome…, Other/Just Looking in San Diego, CA
Robert Chomentowski answered:
Had a foreclosure about 2yrs now is it possible to qualify for a home loan? My credit score is around 737-747. 6yrs same job.
Unless you are VA eligible you will have to wait 3 years after the deed to the foreclosed property transferred out of your name to be able to get a home loan. After a three year wait y ... more
0 votes Share Flag Tue Jul 2, 2013 Financing in 91911
Randall Ortiz, Real Estate Pro in Elk Grove, CA
Randall Ortiz answered:
If I get pre approved for a loan of $200k and the place I want is only $150k, what happens to the extra $50k? Does the lender take back that $50k? or
If you got approved for a loan up to $200k then you can use up to $200k when you buy a home. So it's $200k or less, so no you don't get the extra $50k. It just allows you to get a lo ... more
0 votes Share Flag Wed Jun 26, 2013 Financing in Chula Vista
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
Is there rent to own homes in 92139 area or modular homes for sale?
I agree with Maria's comment. Homes are flying off the shelves right now...so sellers really don't need to resort to the 'rent-to-own' option. Anyone who wants to sell and take advantag ... more
0 votes Share Flag Wed Mar 27, 2013 Financing in Chula Vista
Richard Litt…, Real Estate Pro in Orange, CA
Richard Littlefield answered:
first time buyer for a house/modular home just simple 2 bedrooms my credit is good and 15k deposit around 89 thousand on area code 92139 any ideas??
I can do this for as long as it is a manufanctured / modular home rather than a mobile home. The rate on the 30 year fixed is probably 3.25% 3.87 APR , however there are some variable ... more
0 votes Share Flag Wed Mar 20, 2013 Financing in Chula Vista
Jessica Hart, Real Estate Pro in Carlsbad, CA
Jessica Hart answered:
first time buyer of a house 2 bedroom simple my credit is good and 13k deposit, in area 92139 any ideas?? I'm from Anchorage, Ak.
Hi John,
Congrats! You are about to embark on a very fun journey! There are about 8 homes and 4 condos active on the market right now in that area. With condos...the monthly fees ca ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Chula Vista
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
Rent to Own tips????
My tip?

Don't do it!

Work on saving up for a down payemnt and repairing your criedt - then buy when you can go the normal route.

Best wishes.........
1 vote Share Flag Sun Feb 3, 2013 Financing in Chula Vista
Melia and Ol…, Real Estate Pro in Rancho Santa Fe, CA
Melia and Oliver Indra answered:
What are my options if my family is growing and need to buy a second primary home, i currently have a condo w fha loan. I have great credit, dp 15k
Your first step is to talk to a lender to see if you can qualify to purchase another home, or if your primary home would have to be sold prior to a new purchase. Good luck to you!
0 votes Share Flag Thu Jan 17, 2013 Financing in 91914
Jose Del Ros…, Real Estate Pro in Chula Vista, CA
Jose Del Rosario answered:
If I stop my mortgage for 3 months, What are the chances of refinancing or modifying my loan if I do have equity in my house?
Gambling to allow lender to give you a loan mdification or Short sale the property still allows you to purchase your next property in 2-3 years.

Need to assess all. Jose Del Rosario ... more
0 votes Share Flag Thu Jan 17, 2013 Financing in 91914
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
First time home buyer loans? I purchased a condo 10 years ago before I got married and I still own it... Can my husband qualify for a home loan me?
Cautious Homebuyer - not all lenders will include both of your debts, if you read what I wrote below, conforming/conventional loan programs only are concerned with the borrowing spouse, ... more
0 votes Share Flag Mon Oct 1, 2012 Financing in 91911
Maria Esparza,  in Chula Vista, CA
Maria Esparza answered:
California first time homebuyer grant?
These are the Neighborhood Stabilization programs. Your Realtor must be certified to participate in this program. For years, I volunteered as a Realtor for the Homebuyer Classes for SD ... more
0 votes Share Flag Sun Sep 23, 2012 Financing in 91911
Maria Esparza,  in Chula Vista, CA
Maria Esparza answered:
Hi my name is Jose I just posted a question about qualifying for a loan having a two yr old foreclosure.
Hi Jose,
I specialize in the Chula Vista Area. I work for a great company, and can help you with your Real Estate needs. Please call me, I will give you the number for a great Mortgage ... more
0 votes Share Flag Sun Sep 23, 2012 Financing in 91911
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, answered:
Is it true when all other things being equal, a 30 year conforming fixed rate refi loan is more costly when there is NO tax impound accounts?
this fee is normally 0.25% of the loan amount. For every $100,000 you borrow, that equates to $250, if you pay it up front as a closing cost, as opposed to letting it be absorbed by th ... more
0 votes Share Flag Tue Jul 17, 2012 Financing in 91915
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Is it true when all other things being equal, a 30 year conforming fixed rate refi loan is more costly when there is NO mortgage insurance (PMI)?
It is actually a double whammy:
If you are putting the 20% down to avoid PMI,
you will probably be getting a better rate than if you were doing FHA with 3.5% down.
So the RATE will b ... more
0 votes Share Flag Tue Jul 17, 2012 Financing in 91915
Deborah Garv…, Real Estate Pro in San Diego, CA
Deborah Garvin answered:
do i put a large dn payment on a house or go with VA no dn (with higher mortgage)?
Jameskerry41,

I agree with everyone else that it is completely up to you. I use finance specific programs to develop side by side comparisons so my clients can make educated decisio ... more
0 votes Share Flag Mon Jan 16, 2012 Financing in 91915
Deborah Garv…, Real Estate Pro in San Diego, CA
Deborah Garvin answered:
Purchased house frm parents in 07 for $450,000 and are paying them. Want to refinance w/bank. They are ok w/ loan forgiveness. Will we be taxed?
Jbarrett, Absolutely talk with a tax consultant...I can refer you to an excellent real estate attorney in San Diego if you choose to go that route. It may be a good idea because an at ... more
0 votes Share Flag Wed Aug 17, 2011 Financing in 91910
Chris Keller, Real Estate Pro in Del Mar, CA
Chris Keller answered:
I'm planning to buy a house because I'm tired of renting out on apartments. But I'm concerned about my credit score. I have a 632 on
Call Mary Anne with Cornerstone Mortgage at 858.688.9026 she will get you loan approval. We work together and once you're approved I'll take over and assist you in finding yo ... more
1 vote Share Flag Wed Dec 23, 2009 Financing in Chula Vista
Yanni Raz, Real Estate Pro in los angeles, CA
Yanni Raz answered:
Does anyone see mortgage rates going down the next couple of weeks?
I was reading some articles about mortgage rates are going even lower then what they are today.

Look at this blog it will help you to learn more about mortgages.
I've got most of my ... more
0 votes Share Flag Mon Jul 20, 2009 Financing in 91913
Justin,  in 91910
Justin answered:
I'm in a process of short selling my house. Once the process is done, what's my chance to be able to get a
Benefits of Short Sales

Here is a quick definition of a short sale. The lender allows a property to be sold for less than balanced owed and takes a loss. The benefit is you actually ... more
0 votes Share Flag Wed Apr 2, 2008 Financing in 91915
Melinda J. R…, Real Estate Pro in Hudsonville, MI
Melinda J. Robison answered:
Would a VA loan be used to obtain a short sale or foreclose homes?
Mary Ann, I am not sure what the foreclosure rate is in your area, but here in Western Michigan it is very high! Therefore, we are finding these banks are becoming more and more willin ... more
0 votes Share Flag Tue Mar 18, 2008 Financing in 91915
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