Financing in Pleasanton : Advice

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Ali Qureshi, Real Estate Pro in Pleasanton, CA
Ali Qureshi answered:
how long is it taking to obtain a mortgage after a short sale?
There are programs out there that can lend on the following day after the short sale. No traditional waiting is required. Check with a lender
0 votes Share Flag Mon Feb 24, 2014 Financing in 94588
Ali Qureshi, Real Estate Pro in Pleasanton, CA
Ali Qureshi answered:
Is there a loan that would give a small mortg. with about 80% down though I hadnt made mort. paymt. in 2 yrs while stuck in the Mod process
It will be very difficult to qualify for conventional financing. FHA has easier guidelines and you maybe able to qualify on an exception basis, though very unlikely.
0 votes Share Flag Mon Jan 27, 2014 Financing in 94588
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
what is wait time for refi after a shortsale?
Yes you do qualify now for a new program for FHA by HUD for people in your shoes you just need 12 months from the date of the Bankruptcy, short sale or foreclosure.

The U.S. Departme ... more
0 votes Share Flag Sun Sep 1, 2013 Financing in 94588
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
How long do you have to wait to get an FHA mortgage?
Yes you do qualify now for a new program for FHA by HUD for people with a BK you just need 12 months from the date of the Bankruptcy, short sale or foreclosure.

The U.S. Department o ... more
0 votes Share Flag Sun Sep 1, 2013 Financing in 94588
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
need help to buy a with 620 credit score after 18 months of short sale e mail me akqwana@aol.com
Yes you do qualify now for a new program for FHA by HUD for people with a short sale you just need 12 months from the date of the short sale or foreclosure.

The U.S. Department of Ho ... more
0 votes Share Flag Sun Sep 1, 2013 Financing in 94588
Grace Tam, Real Estate Pro in Dublin, CA
Grace Tam answered:
I refinanced my home to pay interest only for 10 years. I took no money out. I am now looking to short sale my home. Is it non-recourse.?
non-recourse debt is typically limited to 50% or 60% loan-to-value ratios.
call me if you have more questions.

Grace Tam
Loan Officer
925-718-3000
www.graceloan.com
0 votes Share Flag Wed Jul 10, 2013 Financing in Pleasanton
Jeff Marr, Real Estate Pro in Folsom, CA
Jeff Marr answered:
Would lending rates change because one changes jobs when taking a new mortgage loan?
Ashok - the main question is whether you can approved without having rec'd a paycheck, and as Darren pointed out below, is there continuity of employment with your job change?

What I ... more
0 votes Share Flag Mon May 27, 2013 Financing in Pleasanton
Grace Tam, Real Estate Pro in Dublin, CA
Grace Tam answered:
how long before i can refinance a non-owner property after a short sale 3 years 6 months ago? i am being told 7 yrs for freddie and fannie?
foreclosure is 7 yrs and short sale is 2 yrs. If you want to find out more about this you can call me. I do need to know more about your loan scenario.
0 votes Share Flag Tue May 7, 2013 Financing in 94588
Brian LeBars, Real Estate Pro in Pleasanton, CA
Bay Area mortgage rates fell last week and approached or reached record low levels.According to Freddie Mac, the average rate for a 30-year fixed rate mortgage (FRM) fell from 3.40 percent to 3.35 percent.… Read more
Blogged Mon May 6, 2013 by Brian LeBars Home Buying Financing
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Brian LeBars, Real Estate Pro in Pleasanton, CA
 Pleasanton Mortgage rates fell for the third consecutive week.According to Freddie Mac, the average conforming rate for a 30-year fixed rate mortgage fell by two basis points to 3.41 percent as compared… Read more
Blogged Wed Apr 24, 2013 by Brian LeBars Financing
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Brian LeBars, Real Estate Pro in Pleasanton, CA
It’s a great time to buy a new home in Pleasanton while interest rates remain historically low.Whether it’s your first time purchasing real estate or you’re a seasoned professional,… Read more
Blogged Wed Apr 3, 2013 by Brian LeBars Home Buying Financing
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Waseem Sufi, Real Estate Pro in Pleasanton, CA
s you may have heard that State of Real Estate is back with full force!Competition is getting high, listing prices are getting high, multiple offers are getting high and bidding is getting… Read more
Blogged Sat Mar 23, 2013 by Waseem Sufi Market Conditions Home Buying Financing
Brian LeBars, Real Estate Pro in Pleasanton, CA
What’s Ahead For Pleasanton Mortgage Rates This Week: March 18th, 2013Last week’s positive employment reports were good news for the economy, which typically causes mortgage rates to rise,… Read more
Blogged Thu Mar 21, 2013 by Brian LeBars Home Buying Financing
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John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
Can I get more than one home loan to buy a house? Like if I get approved for 100,000 but want a house that is 160,000. Could I get another loan?
If you go to three different lenders and each approves you for a $100,000 purchase, could you add them together and buy a $300,000 house? NO!

You cannot buy a $160,000 if you cannot ... more
0 votes Share Flag Sat Mar 16, 2013 Financing in Pleasanton
Brian LeBars, Real Estate Pro in Pleasanton, CA
Mortgage rates worsened last week amid evidence of an improving economy. Conforming mortgage rates climbed in California and nationwide, rising to a 4-month high.Freddie Mac Rate SurveyFreddie Mac has… Read more
Blogged Mon Feb 4, 2013 by Brian LeBars Financing
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Tim Good, Real Estate Pro in Skagit County, WA
Tim Good answered:
Aimloan.com seems to have one of the lower mortgage rates. Does anyone have any experience (good or bad) with them?
Stay Away from Aimloans.com. They may promise lower rates, but if they are so willing to give away their money think about what they will do with your money. Did a very poor job and a ... more
0 votes Share Flag Tue Jan 22, 2013 Financing in Pleasanton
Brian LeBars, Real Estate Pro in Pleasanton, CA
Mortgage markets improved slightly last week. With a dearth of new U.S. economic data due for release, investors turned their collective attention to the Europe, China, and the Middle East.US Mortgage… Read more
Blogged Mon Oct 15, 2012 by Brian LeBars Financing
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M. Gujral, Real Estate Pro in 94403
M. Gujral answered:
How willing will the bank do loan remodification ?
Really long time and its not always worth it. Banks like Wells often just bundle everything into a new loan including back payments and late fees. I would say to go for a short sale.
0 votes Share Flag Sat Sep 29, 2012 Financing in 94566
Brian LeBars, Real Estate Pro in Pleasanton, CA
For today’s Bay Area home buyers and refinancing households, the value of “good credit” has never been higher.Mortgage Pricing and FICOMortgage approvals hinge on your FICO score, as… Read more
Blogged Wed Sep 12, 2012 by Brian LeBars Home Buying Financing
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Brian LeBars, Real Estate Pro in Pleasanton, CA
Mortgage markets worsened slightly in last week’s holiday-shortened week. As expected, Wall Street took its cues from Europe and from the U.S. jobs market, and mortgage rates moved across a wide… Read more
Blogged Mon Sep 10, 2012 by Brian LeBars Financing
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