Financing in Germantown : Advice

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Investinahome, Home Buyer in Germantown, MD
Investinahome answered:
Anyone have experience or information on BB&T's CHIP mortgage program?
I am a realtor and my client is scheduled to close with her CHIP program instead of FHA due to it being a better program for her. The program is better due to she is Not a first time ho ... more
0 votes Share Flag Wed Aug 12, 2015 Financing in Germantown
Kenji Inui,  in Irvine, CA
Kenji Inui answered:
i have a question pertaining to paying for an appraisal (485.00). I did not sign any papers indicating i would pay if the loan did not close.
To add to the correct answer from Cstumbaugh... if your appraisal is a VA or FHA appraisal it can be transferred to your new lender upon payment. If you would like to work with another ... more
0 votes Share Flag Fri Jul 10, 2015 Financing in Germantown
john124, Home Buyer in 14212
john124 answered:
What does payment amortized over 30 years, but loan matures in 15 years mean?
Hi Neenee Sheppard

Its an important question.You should get answer from any reliable reverse mortgage company. I have a reverse mortgage which name is reverse mortgage lenders direc ... more
0 votes Share Flag Thu Oct 17, 2013 Financing in Germantown
Lisa Plushni…, Real Estate Pro in Bethesda, MD
Lisa Plushnick answered:
It is my Fiancee's and Mine first time buying. We just do not know where to start. Are there any good first time buying prgms in Mongomery Cty?
Hi....It's interesting...people ask me this question daily. The first time homebuyers save on transfer and recordation taxes mostly. There are different programs out there, but the b ... more
0 votes Share Flag Fri Sep 20, 2013 Financing in 20876
michelehana, Home Buyer in Germantown, MD
michelehana answered:
Hi, Do I have to pay for the appraisal fee if we withdrawl the refinance application after settlement?
I'm in a similar situation. My loan officer asked me for my credit card number in order to hire the appraiser, but he specificially told me that I would NEVER see the charge on my credi ... more
0 votes Share Flag Thu Feb 21, 2013 Financing in Germantown
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Is there a mortgage lender willing to lend before the 3 year period after foreclosure?
If you are referring to FHA's guideline which requires 3 years from a foreclosure period, then yes FHA will even lend less than 3 years from a foreclosure if it was due to extenuat ... more
0 votes Share Flag Sun Jul 3, 2011 Financing in Germantown
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
Is it a good idea to pay off our installment loans before applying for a home loan?
Hi, Charmed. FHA requires a min of 3 active trade lines that are at least 12 months old. If these installment loans fit that bill and are not adversely affecting your DTI, leave them ... more
0 votes Share Flag Mon Jan 31, 2011 Financing in Germantown
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
I own a home with more than 100K equity. I would like to buy a 2nd home and convert this to a rental- what will they consider for the new mortgage?
Ddhp,
After checking one of my lenders sites, your second home would be at 75% loan to value or less, you'll need a 720 score or better and need adequate liquid reserves for both ... more
0 votes Share Flag Sat Oct 9, 2010 Financing in 20876
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Expecting a $53k - $125k settlement. Lawyer/taxes will cut that in half. Can a married couple with no debt but bad credit get a loan w/ 20k cash???
Much will depend on just how bad is your credit.....consider a visit with any qualified loan officer(s), see if you qualify, how much and have your credit score checked as their scoring ... more
0 votes Share Flag Wed Oct 6, 2010 Financing in Germantown
Plano,  in Plano, TX
Plano answered:
Hi, Do I have to pay for the appraisal fee if we withdrawl the refinance application after settlement?
I’m pretty sure she is correct. Just because she "put in the order" doesn't mean you do not pay the fee. You did not stop her when she continued with the process so i don't thi ... more
0 votes Share Flag Wed Jan 21, 2009 Financing in Germantown
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