Financing in Katy : Advice

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Susie Kay, Real Estate Pro in Dallas, TX
Susie Kay answered:
Downsizing but renting out original home.
I would suggest that you talk to a local lender and realtor. The lender can assist you in your financing goal and the realtor can verified your rental rate and the possibility of purcha ... more
0 votes Share Flag Earlier today Financing in 77449
Lauraellan, Home Buyer in Katy, TX
Lauraellan answered:
What's the difference between a straight assumption and an assumption subject to? This has to do with mortgages.
Old post I realize but no one actually answered the question which was defining the difference between assumptions and straight assumptions. That was about as complicated as the Texas e ... more
0 votes Share Flag Sat Dec 19, 2015 Financing in 77450
Brian Nguyen, Real Estate Pro in Tustin, CA
Brian Nguyen answered:
Home Loan/Financing
Yes you certainly can. It may be tougher for you than compared to others with a base salary type job but it's certainly possible. There will just be different types of documents require ... more
0 votes Share Flag Tue Aug 27, 2013 Financing in Katy
Bryan O'leary, Real Estate Pro in Katy, TX
Bryan O'leary answered:
I'm a Young professional moving to Houston for new Job (starting in July). I'm looking into buying vs renting in the memorial to katy area
First you need to talk to some loan officers. They will determine what you can afford. I work with many lenders. I can have them contact you, or give your their contact info, and we can ... more
0 votes Share Flag Sat Jun 15, 2013 Financing in 77493
Joshua Leret…, Real Estate Pro in Lakeland, FL
Joshua Lerette answered:
Downsizing - have to sell my home and purchase another - best options?
Hello Htoutloff,

As far as an opinion no one can truly answer that question until they know your financial goals. I can tell you what you may potentially qualify for though.

If y ... more
2 votes Share Flag Wed Oct 3, 2012 Financing in 77449
Maria Cipoll…, Real Estate Pro in Coral Springs, FL
Maria Cipollone answered:
Can a qualify for a FHA if i have medical collections (total $1090) in my credit?
It depends of the Lender. One way to handle this is to write a letter explaining that this bill was supposed to be covered by the health insurance and you are trying to work it out wit ... more
1 vote Share Flag Wed Oct 3, 2012 Financing in 77449
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
When using your va bonus entitlement does the sales price need to be over $144k or does that include concessions that could take you below $144k?
The loan amount must exceed $144k before the VA funding fee is added in.

At http://www.benefits.va.gov/homeloans/docs/guaranty_calculation_examples.pdf scenario #6 is probably closes ... more
1 vote Share Flag Sat Oct 29, 2011 Financing in 77450
Stuart B. Sc…,  in Texas
Stuart B. Scholer answered:
The builder offered me up to 6000 on closing cost can they require me to use there lender to receive this
VK....This is a business model that most Builders use. There is nothing sneaky about it. If you don't like it you can shop the rate with another Lender and see if you can negotiate ... more
1 vote Share Flag Tue Sep 13, 2011 Financing in Katy
Ben  Fox, Real Estate Pro in Washington, DC
Ben Fox answered:
I own a home, single income, considering Refinance, my lender said it will take 25 months to recoup the fees involved. How true is this?
Have you considered a "no cost" refinance? The closing costs can be paid by the lender out of the spread made on the loan. The interest rate is higher than a "par" ... more
0 votes Share Flag Wed Mar 23, 2011 Financing in Katy
Spirit Messi…, Real Estate Pro in Tucson, AZ
Spirit Messingham answered:
what are front end and back end points?
Please speak with a lender about loan questions and concerns. Are you pre-approved? If not, that should be the first step and go over this plus all other questions with your local len ... more
0 votes Share Flag Fri Mar 11, 2011 Financing in 77449
Sera Smith,  in Plano, TX
Sera Smith answered:
what is the length of a mortgage for a mobile home?
`A mobile home and the land that it is on is treated just like a normal mortgage. The mobile home mortgage is 30 years. I have several lenders that will do a mobile home. If you have ... more
0 votes Share Flag Sun Dec 12, 2010 Financing in Katy
Ron Tarvin, Real Estate Pro in Houston, TX
Ron Tarvin answered:
Who are good lenders in this area?
Lots of good folks in the area...are you looking for a mortgage broker or a mortgage banker? I have contacts in both categories if you or someone you know is looking to obtain a mortga ... more
0 votes Share Flag Sat Aug 29, 2009 Financing in Katy
Barbara Q., Other/Just Looking in Bergen County, NJ
Barbara Q. answered:
what is the best mortgage rate & where for katy, tx new home 30 yr fixed excellent credit?
Terry- If you look here, you can get a good feel for what's available in your area.

http://www.hsh.com/ls-tx.html

Good Luck!
0 votes Share Flag Thu Jun 18, 2009 Financing in Katy
Steven Ornel…, Real Estate Pro in Fremont, CA
Steven Ornellas answered:
How do I find the best deal on a mortgage?
Hi Stephan, these links might help:

http://docs.steven-anthony.com/RateShopping-DoItRight.pdf

http://www.trulia.com/voices/Answer/What_s_the_advantage_of_getting_a_loan_through_a ... more
0 votes Share Flag Thu Feb 5, 2009 Financing in Katy
Kim Johnson, Real Estate Pro in Katy, TX
Kim Johnson answered:
Should we take out a line of credit for our entire mortgage rather than home equity loan?
If I were you I would look at the differences, if there are any, in interest rates and closing costs. I would call your mortgage company and see what they offer. They may waive origin ... more
1 vote Share Flag Mon Nov 10, 2008 Financing in Katy
Bruce Lynn, Real Estate Pro in Coppell, TX
Bruce Lynn answered:
What are the top 3 things you look for in a mortgage professional?
1. Expertise with a particular loan type. A, B, C credit, VA, FHA, 203k, etc....not one guy who can do everything. There's too many of those around who can't truely do everything.
... more
1 vote Share Flag Wed Jan 23, 2008 Financing in Katy
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