Financing in Fullerton : Advice

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Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
any lenders that offer a refi with no income verification?
All lenders are going to require some type of income verification. Hard money lenders will care much less about income than conventional lenders, unless the property is owner occupied i ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in Fullerton
Adam Brett &…, Real Estate Pro in Fullerton, CA
Adam Brett & Eric Urban answered:
I have $250k down, income of $36k /year while attending College. Am eligible for VA. Can I qualify for $450k condo; will take roommates for income.?
Looks like you should be good depending on any other debt. Whatever you do - be sure to shop lenders to make sure you are getting the best deal.
0 votes Share Flag Sat Nov 16, 2013 Financing in Fullerton
Libardo Quin…,  in Newport Beach, CA
Libardo Quintero answered:
are home loans still available without income verification?
Hi Sarah,
Yes, stated Income.
How much down and assets do you Have?

Libardo
nmls 380933
PH:562.8998425
0 votes Share Flag Mon Oct 21, 2013 Financing in Fullerton
Libardo Quin…,  in Newport Beach, CA
Libardo Quintero answered:
can i get a lower interest rate loan modification without income documentation?
Hi Cathy,
The question is what is your rate now?, a loan can be modified many times if your investor is participating in the program.BUT, there is no way a lender, servicer or investo ... more
0 votes Share Flag Wed Oct 9, 2013 Financing in Fullerton
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
I have $250k down, income of $36k /year while attending College. Am eligible for VA. Can I qualify for $450k condo; will take roommates for income.?
The fact that you have a lot of money available for a down payment will allow lenders like myself to over look other factors and will make you more likely to obtain a loan. Although VA ... more
0 votes Share Flag Mon Sep 23, 2013 Financing in Fullerton
Ray Stevens, Real Estate Pro in Cape Coral, FL
Ray Stevens answered:
We have a gross income of $75k, no debt , and credit scores above 700. What can we afford? We pay $1515 in rent but are considering buying.
What you qualify for has additional "components" like how much are the taxes, insurance, HOA/maintenance fees and possibly PMI. These will affect how much house you can buy.

If we a ... more
0 votes Share Flag Fri Sep 20, 2013 Financing in Fullerton
Ray Stevens, Real Estate Pro in Cape Coral, FL
Ray Stevens answered:
FHA refinancing - up front MIP
Relative to streamline refinances, your mortgage originator will look up your refund and this refund will be subtracted from your current balance, thereby reducing the amount owed.

T ... more
0 votes Share Flag Fri Sep 20, 2013 Financing in Fullerton
Alex Greer, Real Estate Pro in California
Alex Greer answered:
If you're currently underwater and don't qualify for the government loan modification programs, what are the
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in Fullerton
Kawain Payne,…, Real Estate Pro in Long Beach, CA
Kawain Payne, Realtor, Notary answered:
What is the different between apply CALHFA to approved lender and apply through mortgage agent / brokerage?
One difference in working with a loan broker VS. a direct lender is:

Many sellers will not entertain offers from buyers who have been approved by a loan broker. In fact many MLS list ... more
0 votes Share Flag Mon Jan 21, 2013 Financing in Fullerton
Dp2, Other/Just Looking in Virginia
Dp2 answered:
I'm an international student in US. i have been working for 2 year at a foreign bank in VIetnam before.
Another option is to buy a home with seller financing.
0 votes Share Flag Wed Nov 4, 2009 Financing in Fullerton
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