Financing in Lubbock : Advice

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Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
I am trying to find a mortgage company and I have had credit problems, but I have always paid my cars and homes well?
How bad are the credit scores? Some lenders can go as low as 580 when it comes to credit. So if you are above that when it comes to credit you may have a shot. Otherwise, you may want t ... more
0 votes Share Flag Tue Apr 8, 2014 Financing in 79424
Jon, Real Estate Pro in Austin, TX
Jon answered:
We are thinking about buying our first home. My question is, what is the least percentage you can have for a down payment? Ideally we would like to
Hi Alayna, based on your credit I would be bale to do a conventional 95% LTV.
Visit and let me know if I can be of any assistance to you.
0 votes Share Flag Fri Nov 8, 2013 Financing in 79424
Ronnie Foy, Real Estate Pro in Lubbock, TX
Ronnie Foy answered:
I am looking to refinance to remodel the house but dont know where to begin....any suggestions???
If your existing lender is Chase, Bank of America, Citi-corp or Wells Fargo, you may want to call them direct and see what they will do, then compare with local lenders, you may be able ... more
0 votes Share Flag Sun May 12, 2013 Financing in 79416
Ronnie Foy, Real Estate Pro in Lubbock, TX
Ronnie Foy answered:
I am looking at buying a new home and was wondering if the 80 10 10 loan is a good loan?
Depending on the terms of the second lien of 10% of the loan to value, an 80-10-10 loan is the way to go. American State Mortgage has a great low cost 80/10/10 program. No PMI, MIP wh ... more
0 votes Share Flag Sat Jul 28, 2012 Financing in Lubbock
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
How much should I pay for closing cost on s new home?
The fees in the 800s section of the Estimated Fee Sheet are controlled by the lender. Other fees are 3rd party fees and are NOT controlled by the lender.
Also. Rates and fees go hand i ... more
0 votes Share Flag Tue Mar 6, 2012 Financing in Lubbock
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Is it possible to get a 3.5% down payment FHA loan for a single-family investment property?
Some Banks are flexible about the Down Payment on Investment Property,
Most Lenders require 20% down for Investors.
FHA is not one of them:
FHA loans are for Owner/Occupant homeowner ... more
0 votes Share Flag Wed Sep 7, 2011 Financing in Lubbock
Elliott R. O…, Real Estate Pro in Falls Church, VA
Elliott R. Oliva answered:
I am needing any information on a lending company by the name of . Very leary of an online lender
Jill, all legitimate loan officers/lenders will be registered and licensed through the Nationwide Mortgage Licensing System (NMLS) and you can look them up here: http://www.nmlsconsumer ... more
0 votes Share Flag Tue May 24, 2011 Financing in Lubbock
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
If I have 10% to put down on a $175k home and interest rates are better on FHA (and payments better even with MIP) would you go conventional or FHA?
HAHAHAHAHA, Here’s another out of town expert…. FHA does not require that much down payment so your cash reserve could be larger. May not be important if you have other as ... more
0 votes Share Flag Wed May 18, 2011 Financing in Lubbock
Chad Conn, Real Estate Pro in Lubbock, TX
Chad Conn answered:
If i purchased my home on an owner finance and we did not do a deed of trust does he still have to file foreclosure papers?
I cannot give legal advice. Your situation sounds like a contract for deed. You should consult an attorney for legal counsel. As others have stated it depends on the details in your co ... more
0 votes Share Flag Tue Jul 6, 2010 Financing in Lubbock
Sera Smith, Real Estate Pro in Plano, TX
Sera Smith answered:
Is there anyone in the Lubbock area that knows of a lending instituion for poor credit mortgage?
I do have a lender that will finance with FICO scores that low depending on the reason. Most lenders are raising the minimum FICO score to 640. I would be glad to help you. You can e ... more
0 votes Share Flag Wed Nov 25, 2009 Financing in Lubbock
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