Financing in Columbia : Advice

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Elliott Thom…, Real Estate Pro in Columbia, SC
Elliott Thompson answered:
Buying on social security disability
I'm an agent in Columbia and would be happy to help you find a home and loan that will work for you. You can reach me by phone at 803-404-2324 or ethompson@theknightco.com to discuss.
... more
0 votes Share Flag Fri Oct 3, 2014 Financing in Columbia
Renee Royall, Real Estate Pro in Columbia, SC
Renee Royall answered:
Looking for lender that will finance an investment residential single family home.
Chris-

Give Guild Mortgage a call.

Mark H. Tibshrany
Senior Mortgage Loan Officer
NMLS ID# 474306
Guild Mortgage Company
1751 St. Julian Place | Columbia, SC | 29204
(W): 8 ... more
0 votes Share Flag Sat Oct 12, 2013 Financing in Columbia
josh, Home Buyer in Columbia, SC
josh answered:
Rate lock in question
Thanks so much for the replies. I do agree that he should have known that this would be an issue. He even told me from the beginning that they could make an exception for my wife due to ... more
0 votes Share Flag Mon Jun 24, 2013 Financing in Columbia
Christine Ho…, Real Estate Pro in Myrtle Beach, SC
Christine House answered:
Does anyone know of a lender that offers Non-Warrantable condo financing?
Al,
You may want to try a smaller local lender. First Citizens, First Community Bank or South Carolina Bank & Trust. Sometimes the smaller local Lenders/Banks in the area where your lo ... more
0 votes Share Flag Wed Jun 12, 2013 Financing in 29205
Al, Home Buyer in California
Al asked:
Does anyone know of a lender that will offer financing to a current graduate student with a family cosigner? I have a 786 score and 20% down. Does anyone know of a lender or mortgage broker in South Carolina who will finance a condo that is non-warrantable?

I am in the process of purchasing…
0 votes Share Flag Tue Jun 11, 2013 Financing in 29205
Melinda Ray, Real Estate Pro in Lexington, SC
Melinda Ray answered:
I have a 786 score and 20% down. Does anyone know of a lender or mortgage broker in South Carolina who will finance a condo that is non-warrantable?
Kip Murphy at homeowners mortgage has always gone the extra mile to make problem mortgages better! His phone number is 803-920-7523.

Tell him Melinda Ray sent you!
0 votes Share Flag Tue Jun 4, 2013 Financing in 29205
Stephanie Ma…, Real Estate Pro in Saint Petersburg, FL
Stephanie Matzke answered:
Large down payment but on disability
Please give me call and we can discuss the whole scenario. There are some challenges I see here in this post that I would like to cover with you and make sure you have some clear guid ... more
1 vote Share Flag Wed May 15, 2013 Financing in Columbia
T, Other/Just Looking in 29169
T answered:
Does anyone know anything about Altamont Mortgage Funding, Inc, in the Portland, Oregon area? Are they trustworthy?
Are you looking for a mortgage in South Carolina? If so I have never heard of them and not sure if the are licensed here. I work locally and would love to help you. Thanks
0 votes Share Flag Sun Sep 2, 2012 Financing in Columbia
Elizabeth Ca…, Real Estate Pro in Columbia, SC
Elizabeth Cameron answered:
Will we have to renegotiate the contract with a buyer who wants to change from a conventional loan to FHA?
Some of the conventional lenders will not do the the loans if the houses need repairs. I had a foreclosure property that the lender refused to close the loan if the noted repairs were ... more
0 votes Share Flag Tue Apr 17, 2012 Financing in Columbia
Jason King, Real Estate Pro in Columbia, SC
Jason King answered:
The SC Stae Housing Authority recently announced a program for refinancing homes. Does anyone have more information about this?
Valerie,

You can also check out www.scHousing.com and www.scMortgageHelp.com

Jason King
Real Estate Advocates
803 318 4712
www.JKingProperties.com
0 votes Share Flag Mon Oct 10, 2011 Financing in 29210
Mike Graham, Real Estate Pro in Columbia, SC
Mike Graham answered:
I am looking into investment properties in Columbia 29201 and trying to crunch the numbers. How much should I estimate for landlord insurance?
I am a Realtor/investor myself and have found many opportunities in the tristate area. Insurance is just a small part of the total picture. The cost is normally passed on to your tena ... more
0 votes Share Flag Thu Sep 22, 2011 Financing in Columbia
James P. Ryan…, Real Estate Pro in Washington, DC
James P. Ryan, Jr answered:
do to identity theft i have a tax lien on my credit history can i get a home loan?
Hi 2shadow....

ID theft is an awful thing to happen while you are looking for a home. Fortunately, as alluded to in some of your other answers there are steps you can take to get thi ... more
0 votes Share Flag Sat Oct 30, 2010 Financing in 29203
Howard Rose…, Real Estate Pro in Columbia, SC
Howard Rose III answered:
What is the minnimum credit score for a 500K construction loan with 20% down. My FICO is 700. Just trying to see where I will stack up for this loan
Snowhound,

While each Bank/Lender may have different requirements the ideal minimum credit score for any loan is 620.
Again, if I can assist you in any way please feel free to conta ... more
0 votes Share Flag Sun Oct 25, 2009 Financing in Columbia
Howard Rose…, Real Estate Pro in Columbia, SC
Howard Rose III answered:
What kind of rate would I be looking at for a 500k construction loan (20% down - including vested land value) with a credit score around 700?
Hi Snowhound,

While this is a great question to discuss, it would do you better to speak with your Bank/Lender with regards to interest rates. If you do not have, please feel free to ... more
1 vote Share Flag Sun Oct 25, 2009 Financing in Columbia
Dee, Other/Just Looking in Charleston, SC
Dee answered:
How is the best way to get a house with bad credit?
You didn't go into enough details as to how bad it is, how much you owe, are you doing anything to improve your situation to pay them down quickly, making sure you aren't just ... more
0 votes Share Flag Tue Sep 29, 2009 Financing in Columbia
Howard Rose…, Real Estate Pro in Columbia, SC
Howard Rose III answered:
pre-approved for a loan, but I just found out that I recieved a default judgment in mar 00 for 750. If I pay it off before closing will I be fine?
Hi Pjavang,

I agree with contacting your Loan Officer or Mortgage Broker and your realtor for guidance on this matter.

I hope this and all of the other answers that you have rece ... more
0 votes Share Flag Tue Sep 22, 2009 Financing in Columbia
Nicholas Wel…, Real Estate Pro in Basking Ridge, NJ
Nicholas Welsh, Realtor in NJ answered:
Who qualifies for grant funds to be used toward a downpayment or closing costs?
I have a very informative and easy to read document on this topic that I would be happy to send you. Please contact me at the email address below and I will send it to you.

If you wo ... more
0 votes Share Flag Tue Jul 28, 2009 Financing in 29201
Anne, Home Buyer in Richland County, SC
Anne answered:
Would like to know how much to expect in closing cost and all other fees with buying a house for 150,000. in
I think the loan officer at Bank of America saw a chance to take advantage of a young person. No papers were ever signed and he knew we were looking around for the best loan. When I tri ... more
0 votes Share Flag Sat Jun 27, 2009 Financing in 29201
Luke Allison, Real Estate Pro in Asheville, NC
Luke Allison answered:
I am looking to refinance a FHA loan. What is the lowest interest rate I can get on a FHA loan?
As of today you are probably looking in the range of 5.00% to 5.25%. While everyone still wants to advertise low fixed rate mortgages, rates have been trickling up over the past couple ... more
0 votes Share Flag Wed May 27, 2009 Financing in Columbia
Celine F, Real Estate Pro in Louisiana
Celine F answered:
Know of any leads that may help me secure a mortgage / short term financing
I am not a lender but I sell houses with private financing. I have a program specially designed for buyers who have recent bankruptcy, foreclosure, judgement, tax liens etc. Down paymen ... more
0 votes Share Flag Sat May 23, 2009 Financing in Columbia
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