Financing in Raleigh : Advice

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Jessica Roll…, Home Buyer in Raleigh, NC
Jessica Rollins asked:
I live in southern Raleigh in the Holland Meadows subdivision. I am in the process of refinancing and I have been asked by my lender for a contact number for my HOA so they can obtain a copy of the master insurance policy. I have written to the HOA (a Garner PO box) but have not heard back in nearly 2 weeks. Is there somewhere I can…
0 votes Share Flag Mon May 26, 2014 Financing in 27603
Eleanor Warr…, Real Estate Pro in Cary, NC
Eleanor Warren Thorne answered:
Hello, I am looking for referrals for financing.We would like to become first time home buyers, looking for someone that has knowledge of different
Tanya, many loan officers in North Carolina don't offer all of the Mortgage tax credits and NCHFA Grant programs that we do. The MCC (Mortgage Tax Program) can reduce the housing payme ... more
0 votes Share Flag Tue Mar 25, 2014 Financing in Raleigh
Tom Bohlmann, Real Estate Pro in Wake Forest, NC
Tom Bohlmann answered:
Anybody know of a reputable hard money lender in the Raleigh/Durham area?
Hard money is around. Normally 30% down payment with a cap of 70% on the ARV. 2-3 points, 8-15% with a 12-18 month. Plus you will need 20-30% in reserves. Hard money loans are not chea ... more
0 votes Share Flag Sun Mar 23, 2014 Financing in Raleigh
jperaza, Real Estate Pro in Raleigh, NC
jperaza answered:
I am looking for a lender who is legit, and is willing to help me with an investment loan for a 4-bedroom condo in the Raleigh area.
Hi Polly,

I'm a commercial mortgage broker, located here in Cary. While not sure of what you mean by a legit lender, I am a member of the Cary and Morrisville Chambers of Commerce; ... more
0 votes Share Flag Tue Mar 4, 2014 Financing in Raleigh
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
Is it possible to get a loan immediately after a short sale in case of relocation?
Important Back to Work Definitions





HUD announced several key terms that must be reviewed in accordance with this program.






•Economic Event: an occurrence be ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in Raleigh
Angie Cole-C…, Real Estate Pro in 27614
Angie Cole-Click Me! answered:
I am looking for a mortgage broker in the Raleigh NC area!
I would be happy to connect you with a mortgage broker. Give me a call 919-538-6477 or angie@acolerealty.com.
0 votes Share Flag Wed Jan 15, 2014 Financing in Raleigh
Marc D'Angelo…, Real Estate Pro in Roswell, GA
Marc D'Angelo - Lender answered:
looking for a agent but my credit inst the best
Olend, I help clients all the time clear up their issues at no cost. In most instances we can accomplish this in as little as a week. Please feel free to rech out to me any time. I am a ... more
0 votes Share Flag Wed Jan 15, 2014 Financing in Raleigh
Irina Bennett, Real Estate Pro in Raleigh, NC
Irina Bennett answered:
Why is there a penalty if you pay off your loan early? Can you do anything about it?
Here is an answer from a lender for you:
In general, there are no prepayment penalties allowed in NC on primary residence loans. When you initially "buy" a loan, if there is a prepaym ... more
0 votes Share Flag Sat Aug 17, 2013 Financing in Raleigh
Deric Vacca, Real Estate Pro in Raleigh, NC
Deric Vacca answered:
Looking for remodel to perm loan with 90% LTV for the Raleigh, NC market. This would be a jumbo. Live in 27608. Anyone in the area?
Hi,
For help with your refinance you are going to need to contact a loan officer. Your options are unlimited as you can just about work with anyone around the country if you choose to. ... more
0 votes Share Flag Thu Jul 11, 2013 Financing in 27608
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Does my husband have to sign a quitclaim deed on a property that I shared with another family member?
Just to throw a monkey wrench into the situation: Are you on the mortgage? If so, you'll still be on the mortgage; you don't get rid of that obligation with a quit claim deed.

Furthe ... more
0 votes Share Flag Tue Apr 9, 2013 Financing in Raleigh
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Why is there sometimes a penalty for paying off your mortgage early?
Several reasons.

First, there are a bunch of up-front costs to the lender that are spread out over what's expected to be the average length of the mortgage--somewhere between 5 and 7 ... more
0 votes Share Flag Tue Apr 9, 2013 Financing in Raleigh
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
How long does the mortgage process take until you know you have secured the loan?
Melanie,
It's frustrating to be in the dark and not know, "for sure" that you have the house you've been working hard to buy. In general there are several phases of the approval proc ... more
1 vote Share Flag Wed Aug 22, 2012 Financing in Raleigh
Alan Morris, Real Estate Pro in Raleigh, NC
Alan Morris answered:
I'm thinking about refinancing my 30 year fix to a 15 or 10 year fixed, do you think that Rate's are going to come down even more.
According to everything we see recently, we have very little room to go much lower, although we're experiencing higher pricing for MBS this morning, which is good news for potentially l ... more
0 votes Share Flag Mon May 14, 2012 Financing in Raleigh
Don Johnson, Real Estate Pro in Cary, NC
Don Johnson asked:
Did you know fixed rate loans are down? 30 year down to 3.71%
15 year down to 2.94%
0 votes Share Flag Thu May 10, 2012 Financing in Raleigh
Mildred Mart…, Home Owner in Knightdale, NC
Mildred Martinez answered:
Can you provide any details on why this home qualifies for $100 downpayment?
All of Knightdale is considered a rural zone and qualifies for a USDA no money down loan. For more info, go here: eligibility.sc.egov.usda.gov/

I purchased 3 years ago in Knightdal ... more
0 votes Share Flag Sat Apr 28, 2012 Financing in Raleigh
Conder Realty…, Real Estate Pro in Raleigh, NC
Conder Realty, LLC answered:
I have an 80/20 mortgage on a home I am upside down in by 20K. Can I roll this debt into another loan with the same company on a foreclosure home?
Below are all very good answers to your question. Here's a solution to purchase and keep your good credit- Lease the 1st property and buy the 2nd. If you can improve your equity p ... more
1 vote Share Flag Fri Aug 26, 2011 Financing in Raleigh
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
How do I know if a townhome is FHA approved?
if it is a condo go to www.hud.gov
0 votes Share Flag Mon Aug 8, 2011 Financing in Raleigh
Sharon Lewis, Real Estate Pro in 27511
Sharon Lewis answered:
MY FIANCE RESIDES IN RALEIGH NC AND I WILL BE RELOCATING FROM NJ. HE IS IN THE MILITARY. I OWN A HOME NOW. WHAT TYPE OF FINANCING CAN WE QUALIFY FOR?
If you need a referral for a loan officer, contact me. There are some great ones in this area. Thank your fiancee for all he does, it is much appreciated.
0 votes Share Flag Tue Mar 29, 2011 Financing in Raleigh
Douglas Fuji…, Real Estate Pro in San Marcos, CA
Douglas Fujikawa answered:
I'M LOOKING 4 A EQUITY LINE LOAN WHO HAS BEST RATES? BILL K
Bill K,
"Good deals" on equity lines are hard to find these days. The interest rates are reflective of todays' risk and credit environment. Your best bet it with a l ... more
0 votes Share Flag Mon Feb 7, 2011 Financing in Raleigh
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
I woudl like to sell within the next year and my value is lower then what we owe what should I do?
Depends on how much the difference maybe ? When you are ready to sell perhaps home increased in value OR have you thought about leasing?

Lynn911 Dallas Realtor & Consultant, ... more
0 votes Share Flag Thu Dec 30, 2010 Financing in 27614
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