Financing in Irvine : Real Estate Advice

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Sally Grenier, Real Estate Pro in Longmont, CO
Sally Grenier answered:
Builder preferred lender with tough requirements. How should I go for outside lender without risk of loosing new construction home?
That's the problem. Big banks. You should have asked your REALTOR for a good local lender. Let me guess. You're not working with a Realtor either. Here's the deal. Getting a mortgage i ... more
0 votes Share Flag Thu Jun 16, 2016 Financing in 92618
Alex Greer, Real Estate Pro in San Jose, CA
Alex Greer answered:
are there any programs in Irvine to help buyers?WE
Yes.


I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www. ... more
0 votes Share Flag Mon Mar 14, 2016 Financing in Irvine
Info, Home Buyer in Houston, TX
Info answered:
Has anyone had any success with doing an FHA streamline refinance?
It's always worth it to at least attempt an FHA Streamline Refinance if it's going to give you any benefit whatsoever. Your best bet is to talk to Home Loans For All. I will include a l ... more
4 votes Share Flag Sat Jan 16, 2016 Financing in 92618
Cindydavisbr…, Home Buyer in Los Angeles, CA
Cindydavisbroker answered:
Please let me know the best way to withdraw a mortage application
Just call them and tell them you got a better deal elsewhere. No one will feel offended. This happens every day.
0 votes Share Flag Thu Oct 8, 2015 Financing in Woodbridge
,  in
answered:
I am looking for brokers who would like a place to send their turn downs when they are unable to approve a clients loan request.
Matt, Please contact us to discuss the type of deals you are looking for: www.northcoastfinancialinc.com
0 votes Share Flag Mon Jun 29, 2015 Financing in Irvine
,  in
answered:
i need a hard money loan for 2 home in northern california. im an investor that needs a loan up to 95% LTV. Can anyone recommend anyone who does it ??
It will be extremely difficult to find a reputable hard money lender who will loan up to 95% LTV. Any lender offering 95% is going to have a very high interest rate (15-18%) and sky-hig ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in 92602
Jason  White…, Real Estate Pro in San Diego, CA
Jason Whitehead answered:
Condo with HOA litigation
West End Mortgage Group is one of the ONLY companies still doing home loan financing for condos with Litigation and Low Owner-Occupancy issues. We do them all day, every day and have b ... more
0 votes Share Flag Tue Jun 23, 2015 Financing in Irvine
,  in
answered:
Is anyone doing 75% ARV Hard Money loans in California?? It is an REO with no rehab. I need anything close to $692k.
Most hard money lenders will lend up to 75-80% of the current value of the property. Using ARV makes the loan riskier and thus more expensive for the borrower.
1 vote Share Flag Fri May 8, 2015 Financing in 92602
Jamie Tian, Real Estate Pro in Los Angeles, CA
Jamie Tian answered:
I had to foreclose on my 2nd home in southern California in March/April 2012. Can I refinance my existing home in Irvine? I have 20% equity.
Hi,

I would be happy to recommend a great lender to you to answer all of your questions about this if you would like. Just email me at Jamietian@RodeoRE.com and I will forward his in ... more
0 votes Share Flag Wed Jan 28, 2015 Financing in 92606
,  in
answered:
Hello, i'm trying to find a hard money lender in the Lancaster area, thank you
If you are still looking for a hard money loan contact North Coast Financial. http://www.northcoastfinancialinc.com/ They have 30 years of experience doing hard money loans in San Diego ... more
1 vote Share Flag Sun Jan 11, 2015 Financing in 92602
Bill Cook, Real Estate Pro in Manhattan Beach, CA
Bill Cook answered:
Can i change my lender after i decided to work with builder's lender?
Sure you can change lenders with 30 days left. There are many lenders with 21 days closings. You should always shop for the best rates and terms. I hate to say it but some builders do l ... more
0 votes Share Flag Sun Jan 5, 2014 Financing in Irvine
Self Employed…,  in Los Angeles, CA
Self Employed Mortgage Loans answered:
I am looking for stated income loan, 60% LTV, subject property IRVINE, CA FICO OVER 700, BEING IN BUSINESS OVER 16 YEARS SELF-EMPLOYED
Everyday we speak to self-employed people here in California that are successful and have good credit but are routinely turned down by banks and brokers when applying for a loan to purc ... more
0 votes Share Flag Thu Jul 25, 2013 Financing in Irvine
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
VA State Limits
Ryan

Instead of calling lender after lender you need to speak to a broker and lender service that knows the loan programs available with multiple lenders. I'd recommend T ... more
0 votes Share Flag Mon Jul 15, 2013 Financing in Irvine
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
Hello Experts - Dont want to go for an FHA- Is a conventional loan possible?
Yes but Instead of calling lender after lender you need to speak to a broker and lender service that knows the loan programs available with multiple lenders. I'd recommend The Lenders N ... more
0 votes Share Flag Sun Jul 14, 2013 Financing in Irvine
Paul Youssef, Real Estate Pro in Irvine, CA
Paul Youssef answered:
Does anyone do stated income mortages anymore?
Sellers do as long as you have a down payment, 10-20% can work. Have a seller finance the purchase. You can find seller-financed homes in Irvine and most OC at www.Seller-Financedhome ... more
0 votes Share Flag Thu Jun 6, 2013 Financing in Irvine Center
Marlene Diet…, Real Estate Pro in Corona Del Mar, CA
Marlene Dietrich answered:
Who will help me to resolve my High Balance loan? I have 1st and 2nd FRM. 1st balance is 576K and 2nd balance is 72K?
It all depends on your income and your debt to income ratio if you can do a refi
Even if you are making your payments now and your FICO scores are high,its all about your debt to incom ... more
0 votes Share Flag Sat Jan 19, 2013 Financing in Irvine
MJ Omidbakhsh, Real Estate Pro in Irvine, CA
MJ Omidbakhsh answered:
Docs out, buyers native language is Mandarin, escrow doesn't have a Mandarin speaking notary, anyone know of a Mandarin speaking Notary in Irvine.
Try calling Everest Escrow @ 949-783-2430 They are located in Irvine and have access to most common used languages in OC.
0 votes Share Flag Thu Jan 17, 2013 Financing in Irvine
Nazila Pace…, Home Seller in Orange County, CA
Nazila Pace O'Flanagan answered:
We're thinking about buying a house in Mesa Verde in Costa Mesa. We need to get pre-approved and Wells Fargo and a small company called Alpine
Hello Fattery,

I have never used Alpine nor have I heard of them which sort of concerns me. I have been in the industry for years and I usualy know the names. One I know for sure th ... more
0 votes Share Flag Tue Nov 9, 2010 Financing in Irvine
Louwu,  in Irvine, CA
Louwu answered:
How to get a mortgage for foreign income?
I specialize foreign nationals. I accept overseas unaudited profit and loss business statements (for S/E), limited or no credit history, verbal verifications of employment (both domest ... more
0 votes Share Flag Fri Mar 26, 2010 Financing in Irvine
Bentley Advi…,  in San Mateo, CA
Bentley Advisors answered:
what does "Exception" mean after my mortgage broker run the loan application?
All lenders have guidelines for approval. If your loan or qualifications do not meet guidelines in any way, an "exception" may be allowed or req'd. This means that the ... more
0 votes Share Flag Sun Nov 15, 2009 Financing in 92618
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