Financing in Pinellas County : Advice

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Budd Morris, Real Estate Pro in 33703
Budd Morris answered:
Can a home with a note on it be sold with the new owner taking over the payments on the note?
Yes- this can be done but I would suggest a real estate attorney
0 votes Share Flag Fri Feb 13, 2015 Financing in 33704
Jordan Meyers…, Real Estate Pro in Columbus, OH
Jordan Meyers 847-602-1883 answered:
I own 2 condos on Clearwater Beach, FL free and clear, no mortgage. Each valued at about $125k. I am looking to finance – take cask out. Great

I am a lender licensed in 48 states and have an office in Tampa, Fl. I would be more than happy to review your options and see what we can do for you. Please click my ... more
0 votes Share Flag Mon Sep 15, 2014 Financing in 33767
Lola Haney W…, Real Estate Pro in Saint Petersburg, FL
Lola Haney Walker answered:
Own a studio worth 35K, got a recent HAMP at 80K through Ocwen. Can I do a short refi?
I'm really not aware of whether you can do a short refi. Contact a good mortgage broker or lender to get that information. I can personally recommend Dave Ansel with VanDyk Mortgage, D ... more
0 votes Share Flag Wed Jan 15, 2014 Financing in 33713
Melissa Goss, Real Estate Pro in Center Moriches, NY
Melissa Goss answered:
Statistically, how often are pre-approved buyers denied loans?
Stop sweating, you are fine. Underwriting takes forever sometimes. Mine personally took a week. However even with a mortgage commitment in hand, that still does not mean you are free an ... more
0 votes Share Flag Fri Sep 27, 2013 Financing in Clearwater
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
Has any realtor done business in Tampa Bay with Carrington Group and Carrington Mortgage? I just spoke to the rep from Carrington not good feeling.

I am sorry to hear that you spoke with one of the loan officers with Carrington Mortgage and did not get a good feeling from your conversation.

Like Shane said, there is m ... more
0 votes Share Flag Sat Sep 21, 2013 Financing in 34677
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
I have a buyer relocating to the Tampa area. Who are your favorite lenders to work with and why?
With all due respect Annette, you are right that that not all lenders are created equal, but at the same time, the referral partners I work with focus on selling while allowing me to ha ... more
0 votes Share Flag Sat Sep 21, 2013 Financing in Oldsmar
Joycelewis412, Home Buyer in Sacramento, CA
Joycelewis412 answered:
How long after a bank approved "short sale" can you get a mortgage, assuming you otherwise qualify?
FHA will allow you to purchase right away if you did a short sale but had no mortgage lates and you did the short sale to relocate out of the area for work, etc.

Check if you qua ... more
0 votes Share Flag Sat Aug 17, 2013 Financing in Treasure Island
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
Wanting to buy a house with VA or FHA loan, but credit score is only 560. Is this possible?
Yes you get a home loan now. I tell all my clients with lower scores to visit The Lenders Network, I have had several of my clients get approved and close with scores under a 580. So if ... more
4 votes Share Flag Sun Jun 30, 2013 Financing in 33709
Bobbur, Home Buyer in Cape Canaveral, FL
Bobbur answered:
I'm looking for investors interested in financing 5 purchases of single family homes around $50k.
we loan private money but will not go to st pete, just dumped 2 houses there. private money does not grow on trees. It is a rare and valuable commodity and advertising for it is a viola ... more
0 votes Share Flag Tue Jun 11, 2013 Financing in Saint Petersburg
Liane Jamason, Real Estate Pro in Saint Petersburg, FL
Liane Jamason answered:
I have a pre-qualification letter for a VA Loan and I want a new Ryan home . Will RyanHomespay the closing cost?
Many builders will pay all or a large portion of your closing costs if you use their preferred lender. As your buyer's agents, my partner and I can accompany you to a builder and regis ... more
0 votes Share Flag Thu Apr 4, 2013 Financing in Seminole
Maureen Helm, Real Estate Pro in 32792
Maureen Helm answered:
how long after a foreclosure can you apply for a loan?
Correction.. it's 3 and 3... you can get 1 year conventional w/ satisfactory credit but this means an approve eligible and perfect loan file, w/ extenuating circumstances.
0 votes Share Flag Fri Mar 29, 2013 Financing in Clearwater
Linda Mann, Real Estate Pro in Redington Beach, FL
Linda Mann answered:

The answer is yes! If you're looking for a new/newer townhome and you'd like to stay close to the water I've got several to show you. Contact me directly and I'll be happy to p ... more
0 votes Share Flag Tue Mar 26, 2013 Financing in 34697
Bibi Zanella, Real Estate Pro in Palm Harbor, FL
Bibi Zanella answered:
i live in a home that has cement floor and in good condition, does there need to be flooring in order to pass FHA appraisal?
Hi William,
Bare concrete floors must be covered or at least stained/sealed. Margaret is correct below. However, FHA appraisal rules do change periodically and this would be a good q ... more
0 votes Share Flag Mon Feb 4, 2013 Financing in Palm Harbor
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
would that be a 15 year loan and what is intrest rate?
Would what be a 15 year loan? As you probably already know, interest rates are absolutely fantastic in today’s market...but your choice of lender should include much more than ju ... more
0 votes Share Flag Mon Nov 5, 2012 Financing in Clearwater Beach
Alma Rose Kee…, Real Estate Pro in 33626
Alma Rose Kee PA answered:
Can I get approved for a loan if i dont have enough established credit but have a cosigner, our incomes can easily cover all expenses of living and?
Also try a credit union, they may lend when the typical bank cannot.
0 votes Share Flag Tue Sep 18, 2012 Financing in 33713
Fred Glick, Real Estate Pro in Los Angeles, CA
Fred Glick answered:
Is anyone else finding they are spending more time than ever helping their clients get their financing approved?
No, because we get people pre-approved with mortgage people that know what they are doing and we train our agents in financing so they don't waste their time with people who have deals ... more
0 votes Share Flag Tue Sep 18, 2012 Financing in Saint Petersburg
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
Is it possible to get a loan approved through DU after an initial denial ?
The findings don't always tell the whole picture, it is a computer algorithm afterall, it's not perfect. Your credit score could constitute "credit history". If the combination of you ... more
1 vote Share Flag Wed May 2, 2012 Financing in Clearwater
Stpetemomma, Home Buyer in 33701
Stpetemomma answered:
How long does it typically take a lender to approve a VA insured short sale?
getting the approvals from VA took from mid september to mid January. 4 months just for this part. Then the regular sale could start.
0 votes Share Flag Thu Mar 22, 2012 Financing in 33755
Caroline York…, Real Estate Pro in 33701
Caroline York Mortell answered:
The down payment for foreign buyers
It depends on the lender. I work with a very accommodating mortgage broker Van Dyke. You may want to contact them directly to get some information. Every lender has different demands ... more
0 votes Share Flag Fri Nov 11, 2011 Financing in 33706
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