Financing in Sacramento County : Real Estate Advice

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Lisajhalter, Home Buyer in Folsom, CA
Lisajhalter answered:
Interested in possibly purchasing a home using the USDA Rural Development Loan Program somewhere within commuting distance to Rancho Cordova, CA.
What would be considering commuting distance? I already have an USDA Rural housing loan and I am interested in going that same route but how far do I need to look?
0 votes Share Flag Tue Feb 23, 2016 Financing in Folsom
Jeff  Marr, Real Estate Pro in Roseville, CA
Jeff Marr answered:
Is there a way to get a lender to count my restricted stocks as part of my income? My income is 120K per yr; 690 credit score; $300 mo. debt.
Dear LMP0696, all qualifying income we use needs to be considered stable, and will last for at least an additional 3 years after your loan is funded....if the lender's underwriter can't ... more
0 votes Share Flag Sat Jan 23, 2016 Financing in Sacramento
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
Loan after short sale
After short sale or foreclosures:

VA: 2 years

FHA: 3 years

Conventional: 4 years

Jumbo (A paper) 7 years
0 votes Share Flag Mon Dec 21, 2015 Financing in 95818
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
We had a short sale on an investment property in 2012 because coowners bailed on us. Cam we now pull a line of credit on a primary home or refinance?
Lenders have set up a strict guideline.
Most equity lines will not consider a loan that shows a short sale, foreclosure or bankruptcy on the credit report at all. That means 10 years ... more
0 votes Share Flag Tue Dec 8, 2015 Financing in 95818
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
Can I get some references to FHA lenders in the Sacramento area?
Please reach out to us to discuss your options..

Five Stars Mortgage
National Home Loan Resource
7 days week - 9am-8pm
Ph: 800-871-2636
www.FiveStarsMortgage.com
0 votes Share Flag Tue Dec 8, 2015 Financing in Sacramento
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
When can I get a mortgage after a BK and Short sale?
Hello James, you may now qualify ONE DAY after a short sale, foreclosure or deed in lieu with 20% down and since it has been 2 years since your BK you may qualify FHA as low as 3.5% dow ... more
0 votes Share Flag Sat Nov 21, 2015 Financing in 95818
lopez_luis_e, Other/Just Looking in Orlando, FL
lopez_luis_e answered:
Is ANYONE offering a home construction loan for doctors at 80-100% LTV in California? Looking to finance $850K-1million.
Anyone offering home construction loan for doctors at 100-95% LTV in Florida? 1-1.2M Residential
0 votes Share Flag Wed Nov 4, 2015 Financing in Folsom
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
our property is closing at $115,000.00. Is $2688 reasonable for the broker fee. Who pays this fee.?
That works out to only 2.38% of the sale price. Cheap. Who pays? The closing statement will say who pays that money and to whom. Of course if you had been paying any attention at all ... more
0 votes Share Flag Wed Nov 4, 2015 Financing in Sacramento
George Dudley, Real Estate Pro in Tampa, FL
George Dudley answered:
I have really bad credit but a good rental payment history.
Sherry exactly how bad is your credit? There are different levels of bad
0 votes Share Flag Sun Nov 1, 2015 Financing in Sacramento
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Does the Lender pay the Mortgage broker fees. What is considered Padding?
Off,
The old days of meaningless lender fees as profit are largely gone. For residential real estate loans the origination fee is what a lender collects as their fee for services. I ... more
0 votes Share Flag Wed Oct 28, 2015 Financing in Sacramento
Kenji Inui,  in Irvine, CA
Kenji Inui answered:
What is my home with acreage worth? The house is 24 x 66; 3 bdrms, 2 baths, (1800 sqft) sitting on perm foundation attached to 2.75 ac.
I would be able to give you a rough estimate through my title/comp search. What are you trying to accomplish?
Please message me and I will be happy to answer any questions you may hav ... more
0 votes Share Flag Fri Jul 10, 2015 Financing in 95693
Jennifer Kei…, Other/Just Looking in Granite Bay, CA
Jennifer Keith-Weaver answered:
available mortgage loans
Hello there,
Reading our minimum waiting period guidelines it looks like for FHA loans, the waiting period depends on whether you were current on your mortgage payments leading up to t ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in 95818
Jennifer Kei…, Other/Just Looking in Granite Bay, CA
Jennifer Keith-Weaver answered:
Can I finance a home loan through my business with my EIN?
Hi there!
I know we only offer loans to individuals, not companies. We are great at helping self-employed borrowers qualify for loans though, if that's at all helpful!
Feel free to c ... more
0 votes Share Flag Tue Apr 21, 2015 Financing in Sacramento
Randy Stoker, Real Estate Pro in Roseville, CA
Randy Stoker answered:
How do I find out if someone has bad credit, liens against their property etc.?
I would allow your broker to do his job and research the prospect's credit and work history for you. You will need a current credit report and copies of prior years tax returns to fully ... more
0 votes Share Flag Tue Feb 17, 2015 Financing in Sacramento
Randy Stoker, Real Estate Pro in Roseville, CA
Randy Stoker answered:
In February 2014 we short saled our home after beong underwater for over a year. We have property that was free and clear that we decided to build a
Banks are hesitant to make loans with recent short sale history. You may have to use the services of a Hard Money Lender, companies that make loans based on equity vs. credit scores and ... more
0 votes Share Flag Thu Feb 5, 2015 Financing in 95818
ronaldswanso…, Other/Just Looking in Orem, UT
ronaldswanson55 answered:
what can i do if going through a divorce?
I would recommend getting a divorce attorney. Going through a divorce is stressful enough. Going through it alone is worse. Divorce attorneys are there to support you, and not only fi ... more
0 votes Share Flag Tue Jan 27, 2015 Financing in 95757
Derek Jones, Real Estate Pro in Fair Oaks, CA
Derek Jones answered:
what is the average rent it sacremento?
Sacramento is a large city, it would depend on what part of Sacramento you are looking to rent. It can be anywhere between $500 - $2000+.
0 votes Share Flag Tue Jan 20, 2015 Financing in 95828
Al Mendoza, Home Buyer in Houston, TX
Al Mendoza answered:
For Us Banks American Dream home loan program, how is the median area income determined? also, do they use last years w-2 to determine if you qualify?
The ADHLP (American Dream Home Loan Program is based up on a review and combine income of 24 months, hence the decision is based on your current income but will be impacted if your inco ... more
0 votes Share Flag Fri Jan 9, 2015 Financing in Sacramento
Smita Patel -…, Other/Just Looking in Aliso Viejo, CA
Smita Patel - Lender answered:
Can anybody reccomend a provider for FHA Construction Loans in California.?
FHA does have a construction loan product that has a conversion (construction to permanent) feature with one closing. Loan has same requirements as FHA purchase loans including 3.5% min ... more
0 votes Share Flag Thu Nov 13, 2014 Financing in 95628
JR Thrasher, Real Estate Pro in San Diego, CA
JR Thrasher answered:
Can my ex close on a house before our divorce is final? Can I get half?
When you say "close on a house" do you mean buying or selling? If your are talking about your ex buying a house, probably not, but check with your lawyer. If you are talking about selli ... more
0 votes Share Flag Tue Sep 23, 2014 Financing in 95757
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