Financing in Clearwater : Real Estate Advice

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Jarndt.bwab, Home Buyer in Santa Cruz, CA
Jarndt.bwab asked:
Purchasing a share in a resident-owned (co-op) MH park. What are the federal or state (FL) laws/regs that regulate the financing of a share? The park/association/co-op offers financing of shares being purchased. What are the laws and specific regulations that govern the financing that the park/association/co-op can do? Since…
0 votes Share Flag Sat Apr 16, 2016 Financing in Clearwater
Mark LeMenag…, Real Estate Pro in Lake Nona Orlando, FL
Mark LeMenager answered:
What recourse is there for fraudulent contracts should the bank not supply a decline to fund letter? I believe someone from my past is toying with.
The burden of proof is on the buyer to prove they have been approved by the deadline in the contract. If the deadline has passed then have you agent start the cancelation process.
0 votes Share Flag Sat Nov 14, 2015 Financing in Clearwater
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
I have a contract on my house. My buyers real estate agent States verbally that their funding has been declined by the bank. How long should it take?
What you want and need in writing is a formal cancellation of the contract due to the buyer's inability to get the loan. Contact your agent. They will know what to do from here.

B ... more
0 votes Share Flag Wed Nov 11, 2015 Financing in Clearwater
Diane Christ…, Real Estate Pro in Sarasota, FL
Diane Christner answered:
Add to all of the verbal bank will not fund the fact that the purchaser did no inspections during the 10 day inspection period? Just saying......
Depending on what type of purchase contract was used, the buyer may not have an obligation to do inspections during the inspection period and can still back out by notifying the seller ... more
0 votes Share Flag Wed Nov 11, 2015 Financing in Clearwater
Jordan Meyers, Real Estate Pro in Columbus, OH
Jordan Meyers answered:
I own 2 condos on Clearwater Beach, FL free and clear, no mortgage. Each valued at about $125k. I am looking to finance – take cask out. Great
Hello BSCHIROS,

I am a lender licensed in 48 states and have an office in Tampa, Fl. I would be more than happy to review your options and see what we can do for you. Please click my ... more
0 votes Share Flag Mon Sep 15, 2014 Financing in 33767
Melissa Goss,  in Center Moriches, NY
Melissa Goss answered:
Statistically, how often are pre-approved buyers denied loans?
Stop sweating, you are fine. Underwriting takes forever sometimes. Mine personally took a week. However even with a mortgage commitment in hand, that still does not mean you are free an ... more
0 votes Share Flag Fri Sep 27, 2013 Financing in Clearwater
Jordan Bette…, Real Estate Pro in Turlock, CA
Jordan Bettencourt answered:
how long after a foreclosure can you apply for a loan?
Correction.. it's 3 and 3... you can get 1 year conventional w/ satisfactory credit but this means an approve eligible and perfect loan file, w/ extenuating circumstances.
0 votes Share Flag Fri Mar 29, 2013 Financing in Clearwater
Rob Weber, Real Estate Pro in Lisle, IL
Rob Weber answered:
Is it possible to get a loan approved through DU after an initial denial ?
The findings don't always tell the whole picture, it is a computer algorithm afterall, it's not perfect. Your credit score could constitute "credit history". If the combination of you ... more
1 vote Share Flag Wed May 2, 2012 Financing in Clearwater
Stpetemomma, Home Buyer in 33701
Stpetemomma answered:
How long does it typically take a lender to approve a VA insured short sale?
getting the approvals from VA took from mid september to mid January. 4 months just for this part. Then the regular sale could start.
0 votes Share Flag Thu Mar 22, 2012 Financing in 33755
Loretta Buck…, Real Estate Pro in Palm Harbor, FL
Loretta Buckner answered:
I'm looking to find a lease-purchase, land contract, owner financing. I'm a teacher & have a house in foreclosure & divorce am left
Don is right, Lindy--a hard money loan is NOT the way to go--until recently I had a friend's home listed as a short sale, because she was forced to move out of state for work and c ... more
0 votes Share Flag Sat Jun 4, 2011 Financing in Clearwater
Mona, Home Buyer in Clearwater, FL
Mona answered:
How slow is the bank going through mortgage documents?
What is the Desktop Underwriter? Can I ask my broker to talk to these guys and get my results soon. I think this is the fast way to close my mortgage. The house I put on offer is hot. I ... more
0 votes Share Flag Sat Mar 26, 2011 Financing in Clearwater
William Pola…, Real Estate Pro in Boca Raton, FL
William Polack answered:
I have a buyer for my condo and it set to close next week. Now the HOA is saying they have first right of
Wow! I wonder if the HOA is really interested in getting slapped with a discrimination lawsuit. Some of these yoho's don't understand FHA very well and think that FHA means low or bad ... more
0 votes Share Flag Tue Aug 18, 2009 Financing in Clearwater
Robert Spino…, Real Estate Pro in Mill Valley, CA
Robert Spinosa answered:
I have excellent credit and have been paying on a mortgage with 6.375%. Isn't this quite high? Should I refi?
Laurie,

It sounds like you got a number of good, detailed responses below. If you are still unsure, feel free to check out my blog "The Rules of Refinancing." I believe it provides ... more
0 votes Share Flag Wed Feb 11, 2009 Financing in 33761
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