Financing in Pennsylvania : Real Estate Advice

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Kathy Burgre…, Home Owner in Westchester, NY
Kathy Burgreen answered:
I currently have a USDA Direct Loan on my home in Pennsylvania. Can I obtain the same loan to relocate out of state?
I'm local to your area so I get it with the schools and a living wage. Agree that wages in PA don't match NJ and neither do the school districts.

However, a USDA mortgage loan requi ... more
0 votes Share Flag Earlier today Financing in 15320
June Buerkle, Home Buyer in Chattanooga, TN
June Buerkle answered:
Financing. What happens when the underwriter disagrees with the appraiser's appraised value of a home?
The underwriter is king. Even though he is supposed to honor the appraisal value of the inspectors on his approved provider list.

If he lowers the price, that is the number the lend ... more
0 votes Share Flag Thu Jul 21, 2016 Financing in Philadelphia
William Tayl…, Real Estate Pro in Dallas, TX
William Taylor answered:
I need a mortgage and have bad credit and already know my credit score. Can I get a mortgage without signing up for one of those free credit scores?
http://www.wilbuyshouses.com Feel free to go to your bank, credit union or any mortgage broker to meet with a few and shop around. You always want to use a motivated lender. This is adv ... more
0 votes Share Flag Sat Jul 9, 2016 Financing in 19154
Cutiepie1356, Home Buyer in Orlando, FL
Cutiepie1356 asked:
What are our chances of being able to get a mortgage? My fiance and I want to buy a home but we're not sure we'll be able to get a mortgage. We are meeting with some lenders soon but I thought I'd ask some questions on here anyway.…
0 votes Share Flag Tue Jul 5, 2016 Financing in 15301
Dejajanee, Home Buyer in Fremont, CA
Dejajanee answered:
Is the USDA 100% financing loan still available with no pmi in Coatesville's rural areas?
The USDA PMI Rates 2015 are also pretty cheap, when compared to FHA loans. There’s an upfront, initial premium charged of 2%. This USDA PMI premium is generally added to the Loan amou ... more
0 votes Share Flag Wed Jun 15, 2016 Financing in 19320
Tyeshalia, Home Buyer in San Jose, CA
Tyeshalia answered:
I'm looking for a local experienced lender that understand USDA Rural Development loans.
Pretty much any lender or big bank will offer the programs. However, many credit unions do not. Tip - just because they "offer" the program doesn't mean they are familiar with it... be ... more
0 votes Share Flag Mon Jun 13, 2016 Financing in Collegeville
John Burke, Real Estate Pro in ELK CITY, OK
John Burke answered:
High Credit Card debt
Hi Maureen,

Great question.

The only way it could really "count" against you to pull money from your IRA to pay off your credit cards is it reduces the amount of reserves you hav ... more
0 votes Share Flag Mon Jun 13, 2016 Financing in 17572
Alex Varilla, Home Buyer in Columbia, MD
Alex Varilla asked:
In process of obtaining financing in Pennsylvania. The Lender's Fees Detail Summary Worksheet has a $400 Realtor Fee listed as Paid by the Borrower. This doesn't seem correct though we are working through a CBA. Sellers should pay both realtors via the listing agent's commission - Correct?
0 votes Share Flag Tue Jun 7, 2016 Financing in 17019
MYTrulia, Home Buyer in Philadelphia, PA
MYTrulia asked:
Which lender will do rental investment property refinancing after cash purchased and renovation are done, and its owned by Canadian? Please respond if you can find lender or your company can do this type of refinancing.
If you can let me know the LTV ratio, and all other terms. It is a long term investment with more…
0 votes Share Flag Mon May 30, 2016 Financing in Philadelphia
Rrj26, Home Buyer in Chicago, IL
Rrj26 asked:
I have worked for the same company for 8 years. A competitive company offered me a job paying $13,000 more a year plus monthly productivity bonuses. I can't buy for 1 year due to having to wait 3 years after my name was removed from my the deed due to foreclosure. Will changing jobs negatively affect the chance of me getting a mortgage?
0 votes Share Flag Sun May 29, 2016 Financing in 15632
Citycourt, Home Buyer in San Diego, CA
Citycourt answered:
Seeking 0% down for 2 Ph.D.s- good credit, prior rental properties, Pittsburgh
Details: purchase of 400,000 - 420,000. Good credit, pre-qualified for 400,000 now (which is what we asked for) with 5% down - however, getting married in a week, moving, etc, so would ... more
0 votes Share Flag Wed May 18, 2016 Financing in 15203
Dillon Herman, Real Estate Pro in Dover, PA
Dillon Herman asked:
Are there any no doc loans, hard money, or stated loan / line of credits? Looking for a no doc loan or line of credit of 20k-50k
0 votes Share Flag Mon May 16, 2016 Financing in York
Dillon Herman, Real Estate Pro in Dover, PA
Dillon Herman asked:
Looking for a private loan for 50,000.00
0 votes Share Flag Sat May 14, 2016 Financing in York County
Alex, Home Buyer in New York, NY
Alex asked:
Can Installment loan payments be excluded from DTI if less than 10 payments remain? I am about to apply for a mortgage in PA. I have an installment loan with 203 payment, that will have 5 payments left when I apply. Will this be included in my DTI? I have read that installment…
0 votes Share Flag Thu May 5, 2016 Financing in 17043
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Does anyone know who would do a FHA One time close construction loan for a modular in PA?... not to be confused with 203k. Thanks in advance
Pepper, we offer FHA construction-to-perm financing in all 50 states - for manufactured, modular & stick built construction. I'd be happy to discuss your project with you.

Shane Mil ... more
0 votes Share Flag Sat Apr 30, 2016 Financing in 17104
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
I am looking for a 5% down jumbo mortgage for $550,000 in the 17814 (Benton PA) area. Is this possible? Credit score over 700.
Yes, 5% down payment is fine up to 1 mil loan amount. Higher loan amounts available with 10%+ down payment. 700 credit score required, full income and asset documentation will also be r ... more
0 votes Share Flag Fri Apr 29, 2016 Financing in 17814
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
2012: Philly Suburb Jumbo Loans with 5% to 10% down with 730 FICO?
5% down payment is fine up to 1 mil loan amount. Higher loan amounts available with 10%+ down payment. 700 credit score required, full income and asset documentation will also be requir ... more
0 votes Share Flag Fri Apr 29, 2016 Financing in Philadelphia
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