Financing in Morris County : Real Estate Advice

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C. Page, Home Buyer in
C. Page asked:
Why suddenly won't our mortgage broker take our calls? At first this mortgage broker was all over us with encouragement. Agent said we're "strong candidates" for a refinance (credit scores in 800s). All required documents were…
0 votes Share Flag Fri Jun 10, 2016 Financing in Mount Tabor
USMortgageRa…, Real Estate Pro in Plano, TX
USMortgageRanger answered:
Does the Good Faith Estimate include sellers and buyers fee?
As a Lender with a big bank i would say your Loan Officer is correct by disclosing all the fees associated with the loan, until he is certain as to who is paying what via the contract. ... more
1 vote Share Flag Mon Sep 14, 2015 Financing in 07869
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
I am an international student under F-1 visa Can I get mortgage in NJ for buying home?
Hi Faye
Give me a call or email me and we can discuss things. It's not a common everyday program, but if you have a valid visa, large down payment, and good credit then it should be d ... more
0 votes Share Flag Wed Aug 7, 2013 Financing in East Hanover
Camille  Mar…, Real Estate Pro in Millstone, NJ
Camille Marotta answered:
Rent Payments as a gift?
I can assist you with your question and structure the loan the correct way for you. There is a simple solution but I would suggest that you call me so that we can speak personally.

... more
0 votes Share Flag Fri Jul 12, 2013 Financing in Parsippany
Jim Driscoll,  in Lynnfield, MA
Jim Driscoll answered:
We have 9 investment properties. Good income and credit. How many months reserves do we need to refinance?
FNMA Requires the following:

If the total number of financed properties is… Then additional reserves are…

1 to 4 financed properties 2 months for each second home or ... more
0 votes Share Flag Wed Jun 26, 2013 Financing in Parsippany
Camille  Mar…, Real Estate Pro in Millstone, NJ
Camille Marotta answered:
Where can I find recommended FHA-approved 203k lenders for a home addition project in Madison, NJ? Thanks.
I am available on my cell 7 days a week.

You can reach me at: 732-539-9300

Camille Marotta Branch Manager/Construction Lending/203K Specialist
Residential Home Funding
NMLS ... more
0 votes Share Flag Sat Apr 6, 2013 Financing in Madison
Sharon & Kar…, Real Estate Pro in Livingston, NJ
Sharon & Karen Home Team answered:
hi, need a FHA loan, how long does it take to get approved? what can I do to have a better chance to get the loan? thank you
You need to speak to a mortgage consultant. He can pre- qualify you within minutes. You can begin the application process so when you find a home you'll be ahead of the game and will b ... more
0 votes Share Flag Mon Nov 5, 2012 Financing in Parsippany
Jeanne Feeni…, Real Estate Pro in Basking Ridge, NJ
Jeanne Feenick answered:
Re: Mortgage I'd like to get pre-approved. Any suggestions/recommendations on what bank/mortgage company to approach?
I sure do - I'd be happy to share my contact info with you -just send me a quick email and I'll send along my preferred lender info.

As with allt things - agent, attorney (which I a ... more
0 votes Share Flag Thu Apr 26, 2012 Financing in Morristown
Diana Boise, Real Estate Pro in Oak Ridge, NJ
Diana Boise answered:
Will my husband and I be able to get a VA loan if he is seperating in OCT...?
That is a good question, You will need to show proof of income in order to qualify for the loan. My suggestion would to speak to a loan officer who can help guide you in the right direc ... more
0 votes Share Flag Wed Mar 7, 2012 Financing in 07849
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
I am an international student under F-1 visa (OPT). Can I get mortgage in NJ for buying home? I have a job offer and need to relocate to south NJ?
You won't be able to get a "conventional" mortgage with your status because even once OPT approved, that only allows you to work for 1 year on your F-1 Visa. You would ha ... more
0 votes Share Flag Thu Jun 2, 2011 Financing in East Hanover
John Harris, Real Estate Pro in Randolph, NJ
John Harris answered:
If I can get a seller to hold a second mortgage in order to facilitate his sale, what might be a fair interest rate and term to keep the lender happy?
how long do you think they will have to wait for some "appreciation" based upon current market conditions? Do you think the buyer might be overpaying for the home if secondary ... more
0 votes Share Flag Wed Feb 2, 2011 Financing in 07046
Robert North…, Real Estate Pro in Maplewood, NJ
Robert Northfield answered:
I have a few questions about financing a flip home, first are there any banks that will give a mortgage on a
It will be complicated to apply for a loan where three couples (six persons) buying the home. It appears that it will be much easier and cheaper for each couple to make an equal contrib ... more
0 votes Share Flag Fri May 14, 2010 Financing in Mendham
Al Akerman, Real Estate Pro in Lakewood, NJ
Al Akerman answered:
We owe more than what our house is worth. We have a 5 year fixed with a ajustabel rate. Any programs out there for us.?
Anne, there are both Fannie Mae and Freddie Mac programs that allow you to refi up to 105% of the value of your home. In fact, you can go up to 125% of the current appraised value of y ... more
0 votes Share Flag Wed Apr 7, 2010 Financing in 07828
Al Akerman, Real Estate Pro in Lakewood, NJ
Al Akerman answered:
We owe more than what our house is worth. We have a 5 year fixed with a ajustabel rate. Any programs out there for us.?
Anne, as Jason stated there are both Fannie Mae and Freddie Mac programs that allow you to refi up to 105% of the value of your home. I do have investors that would allow you to refi th ... more
0 votes Share Flag Wed Apr 7, 2010 Financing in 07828
Corey Grushin, Real Estate Pro in East Brunswick, NJ
Corey Grushin answered:
I had a ch 7 discharged 19 mos ago. Debts discharged were all credit cards. Good credit ever since and
Kerrienj here iis the specific wording from FHA regarding a chapter 7 bankruptcy. I've also include a link to the book itself. These guidelines cover the entire US. Based on this inf ... more
0 votes Share Flag Fri Jun 26, 2009 Financing in Riverdale
John Sacktig, Real Estate Pro in New Jersey, NJ
John Sacktig answered:
Honest/Helpful Mortgage Broker
Thomas Foley
Wells Fargo Mortgage

732-309-1275 Cell
732-565-4814 Office

Tom is a great guy, knows his business well and works 7 days a week.

John Sacktig
Broker / Mana ... more
0 votes Share Flag Thu Mar 5, 2009 Financing in Morristown
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