Financing in Maryland : Real Estate Advice

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Kay-Marie Ba…, Real Estate Pro in Owings Mills, MD
Kay-Marie Barnes answered:
I'm in the state of Maryland, in the process of rebuilding my credit. I have no car loans/or credit cards. my score right now is 560.
You can get a small credit card with a small limit and use it regularly but pay the total amount off before the closing period to show that you know how to use credit correctly.

I re ... more
0 votes Share Flag Thu Apr 21, 2016 Financing in Maryland
Dkellfam, Home Buyer in Baltimore, MD
Dkellfam asked:
Our home is in our daughters name. What is the easiest way to get the home out of her name and into our names? At the time of purchase our credit was bad and we could not get approved. We would like to know have it transferred to our names but don't know how.
0 votes Share Flag Thu Apr 14, 2016 Financing in 21740
Mail, Home Buyer in Brooklyn, MD
Mail answered:
I refinanced my mortgage with another bank. When should I get my escrow refund from the closed mortgage lender and a final statement?
My previous mortgage lender was US Bank. They told me that they ship out the escrow refund check 20 days after the loan is paid off in full. This information is current as of April/2016 ... more
0 votes Share Flag Mon Apr 4, 2016 Financing in 21225
Solisputnam, Home Buyer in Putnam, CT
Solisputnam answered:
FHA 203K - 3.5% down? Any fees for low down payment?
the payment is calculated on the price of the house + your repairs.
0 votes Share Flag Tue Mar 22, 2016 Financing in 21771
alphonso hen…, Home Buyer in Nicholsville, Savannah...
alphonso henneghan answered:
How long does the underwriting process takefor a home loan? And what does it entail?
I sent my lender all information requested and was told 5 days ago that everything was with the underwriter so how long should this take
0 votes Share Flag Wed Mar 16, 2016 Financing in Capitol Heights
Invstnlfp, Home Buyer in New York, NY
Invstnlfp answered:
VA Loan minimum credit score
I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans in 47 states. For VA home loans it's NO down payment. Are lowest score we accept for ... more
0 votes Share Flag Mon Feb 22, 2016 Financing in Laurel
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
how do I become listed as a mortgage source?
You should create a new account, but as a professional, not a consumer. When you create the new account for a professional, you can select the industry you specialize in and then compl ... more
0 votes Share Flag Tue Jan 26, 2016 Financing in 21769
Amelia Robin…, Real Estate Pro in Falls Church, VA
Amelia Robinette answered:
Is it possible to get a mortgage without an income? Is there some point in which the downpayment is large enough that the lenders realize you have?
you have to have some proof that you're able to make the payments. you must have some kind of income, interest income? investment income? or are solely living off the cash in the bank?
... more
0 votes Share Flag Sun Jan 10, 2016 Financing in Frederick
USDAMTGHUB, Real Estate Pro in Valdosta, GA
USDAMTGHUB answered:
What are the income guidelines for 100% financing home loans in Accokeek, MD?
Be sure you use the USDA income calculator below. You want to make sure you take all the deductions for dependents, household size, etc.



USDA Mortgage Hub
100% USDA Rural Housi ... more
0 votes Share Flag Wed Jan 6, 2016 Financing in Accokeek
Glenn Benton, Home Buyer in Huntersville, NC
Glenn Benton answered:
New FHA Loan - After Chapter 13 Discharge...
You are correct, I just closed on my FHA home loan and my BK chapter 13 is less than 1 year discharged. I was told by 4 mortgage companies that this could not be done.The mortgage proce ... more
0 votes Share Flag Tue Dec 22, 2015 Financing in North Bethesda
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
HELOC to 30 years fixed Loan.
It works just like a normal refinance. Lender is going to look at the balance owed compared to it's current appraised value, along with your personal qualifications (income,debt, and cr ... more
0 votes Share Flag Thu Nov 5, 2015 Financing in Lexington Park
Darrell D. D…, Real Estate Pro in Schertz, TX
Darrell D. Drouillard answered:
if my father was a veteran can we qualify for a va home loan
VA loans involve a Certificate of Eligibility (COE) and are reserved exclusively for the veteran. Though there are some underlying situations for extension to spouses and such, I would ... more
0 votes Share Flag Mon Nov 2, 2015 Financing in 21206
Anthony Alex…, Real Estate Pro in Baltimore, MD
Anthony Alexander answered:
what is the equity in my home 21221at 31 luffing ct baltimore?
Contact me I can do a market analysis and comparable sales evaluation and get you a pretty close estimate.

Anthony Alexander
Keller Williams Metropolitan
410-200-9332
0 votes Share Flag Sat Oct 3, 2015 Financing in 21221
Sidney Hertz, Home Buyer in Baltimore, MD
Sidney Hertz answered:
I have a house trying to refinance bad credit can't find ANY company/bank to assist me...any ideas?
I used http://valoansfinance.com/states/maryland-va-loans/baltimore-va-loans/ to refinance my VA loan into an FHA loan. I had some late payments and needed to clear up my eligibility. ... more
1 vote Share Flag Sun Aug 23, 2015 Financing in Baltimore
Sidney Hertz, Home Buyer in Baltimore, MD
Sidney Hertz asked:
Anyone work with Valoansfinance.com? Anyone ever work with Valoansfinance.com? They were suggested by my realtor and was curious if anyone had any dealings with them? Btw, I'm using them for an FHA loan so just interested…
0 votes Share Flag Sun Aug 23, 2015 Financing in Maryland
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
Irenelori, Home Buyer in Ontario, CA
Irenelori answered:
Can a va loan be converted to a conventional refinance? also the have done a appraisal on it but intended to do a VA loan, can that appraisal be used?
Veterans Affairs mortgages, or VA loans, have become lifesavers for homeowners struggling to refinance with conventional loans.

Low mortgage rates and tighter underwriting standards ... more
2 votes Share Flag Tue Aug 4, 2015 Financing in 20895
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
Ward Guy, Home Buyer in Wake Forest, NC
Ward Guy answered:
has anyone ever worked with Union Mortgage Group? I hav a loan pending, but the underwriting is taking forever (over a week.) I have given all docs.
Holy Smoke! I could go on and on.
We live just north of Raleigh.
We spent 6 months jumping through every hoop they threw in front of us.
They told us we needed a builder after the c ... more
0 votes Share Flag Wed Jul 8, 2015 Financing in Clinton
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