Financing in Staten Island : Advice

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Frank Dolski…, Real Estate Pro in 18901
There are many buyers in a variety of categories who have different “wish Lists”, requirements and sometimes they are unsure and should be educated prior to making such a huge decision. I have compiled… Read more
Blogged Fri Sep 19, 2014 by Frank Dolski Associate Broker Home Buying Financing Home Ownership
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Andrew McDer…, Real Estate Pro in Staten Island, NY
When was the last time you checked your credit report? If you have not done so, you should, especially if you are looking to purchase a new home for the first time or upgrade or downgrade your current… Read more
Blogged Fri Apr 4, 2014 by Andrew McDermott, GRI Financing
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Leslie Ann W…, Real Estate Pro in Staten Island, NY
Leslie Ann Woolsey answered:
I am now receiving money orders as my alimony, is this enough proof showing this income with a money order to receive a loan?
Hi linda I presume you deposit that money into your account so that should be proof of that income and your decree shows where it comes from
If you would like to give me a call we work ... more
0 votes Share Flag Wed Oct 16, 2013 Financing in 10301
Michael Denn…, Real Estate Pro in Brooklyn, NY
Michael Denniston answered:
is there a way I can get a loan my credit scores are 562, 624, 599?
Michelle, the answer is yes assuming that you meet other criteria for income, debt-to-income, assets. work history etc. But you will not qualify under the most favorable terms. FHA will ... more
0 votes Share Flag Wed Oct 9, 2013 Financing in 10309
Frank Dolski…, Real Estate Pro in 18901
What is a credit score?Your credit score is a three-digit number ranging from 300 to 850. These numbers are often referred to as your FICO score(Fair Isaac and Company). FICO is actually the name of… Read more
Blogged Wed Aug 28, 2013 by Frank Dolski Associate Broker Home Buying Financing Credit Score
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Fred Herman, Real Estate Pro in Staten Island, NY
Fred Herman answered:
Can someone who is unemployed get a loan?
yes. people can be unemployed and still have income. and there are very many people that fall into this category.

most people are working so they can get to the point of unemploy ... more
0 votes Share Flag Sat Jun 1, 2013 Financing in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
What are no-doc loans?
Hello Jimmy,
A No-Doc loan (abbreviation/slang for: No Documentation Loan) refers to a finance product commonly offered by a mortgage lender to consumers who cannot qualify for normal ... more
0 votes Share Flag Fri May 24, 2013 Financing in Staten Island
Rocco Guercio, Real Estate Pro in Staten Island, NY
Rocco Guercio answered:
What steps are involved in the FHA loan process?
Hi,

It would be best for you to meet with a licensed loan officer and go over all the facts of an FHA loan. There are many differences between FHA and a Conventional loan and it is ... more
0 votes Share Flag Wed May 15, 2013 Financing in Staten Island
Rocco Guercio, Real Estate Pro in Staten Island, NY
Refinance now for big savingsTake advantage of historically low interest rates and save big money by refinancing now.By Jennifer Berry | Yahoo! Homes – Fri, May 3, 2013 4:58 PM EDTYahoo! Homes/Photo:… Read more
Blogged Mon May 6, 2013 by Rocco Guercio Market Conditions Financing Home Ownership
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Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
I am newly resident in USA, How can I get a loan ? While I dont't have work, but I can pay up to 40 % downpayment .
Good afternoon geko69,

First steps:

Meet with a Local Mortgage Banker to get prequalified for mortgage financing. The Mortgage Banker will review all facets of your loan request ... more
0 votes Share Flag Wed Apr 24, 2013 Financing in 10314
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
What happens after you've applied for a loan?
Your application is reviewed by a home mortgage consultant, who will verify your employment, income and financial information and order a credit report. An appraisal will be conducted, ... more
0 votes Share Flag Tue Apr 23, 2013 Financing in Staten Island
Michael Denn…, Real Estate Pro in Brooklyn, NY
Michael Denniston answered:
What is a typical fee paid to a mortgage broker? Will a mortgage broker get you the best rate?
I can only speak as a banker for a direct lender. Under our exclusive Mortgage for Champions Program, we waive all banker fees thereby saving you 1000s on your closing cost. This progra ... more
0 votes Share Flag Sat Mar 23, 2013 Financing in Staten Island
Deborah Brac…, Real Estate Pro in Staten Island, NY
From MSN Real Estate- February 23, 2013:CLICK HERE TO VIEW- What Makes You Unmortgageable? Read more
Blogged Sat Feb 23, 2013 by Deborah Bracco-718-619-5701 Home Buying Home Selling Financing
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David Rivera, Real Estate Pro in Staten Island, NY
David Rivera answered:
how would i go about buying my siblings out of a house that we all own together?
This of course is for a New York City property.

First the question is are the others willing to sell? if they are the steps given by the other agents would be a good way to go.

I ... more
0 votes Share Flag Sat Aug 11, 2012 Financing in 10306
Andrew Tisel…, Real Estate Pro in 07024
Andrew Tisellano, Broker/Assoc answered:
What is the best formula or advice for affording a condo/townhouse? My wife and I have stable jobs, and were already pre approved for an FHA loan
another option if you are not ready to buy
Try Curbing your spending and make it a goal to pay off some of your other debt.
Once you accomplish your goal you will feel a lot better ab ... more
0 votes Share Flag Sat Aug 11, 2012 Financing in 10306
Rita Colon-B…, Real Estate Pro in Staten Island, NY
In 2007, the Mortgage Debt Relief Act was passed in an attempt to help the millions of homeowners who, due to the housing crisis and economic crash, suddenly found themselves in danger of losing their… Read more
Blogged Thu May 31, 2012 by Rita Colon-Burnett Home Selling Financing Foreclosure
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Irena Popile…, Real Estate Pro in Staten Island, NY
Irena Popilevsky answered:
WHAT IS THE AVERAGE COST FOR HOMEOWNERS INSURANCE ON STATEN ISLAND? BALLPARK FIGURE. IS THIS INCLUDED IN YOUR MORTGAGE?
Hi,

Homeowners Insurance range from $800 - $1,600 depending on proximity to water, size, deductible and sometimes your credit score, this does not include flood insurance. If your mo ... more
0 votes Share Flag Wed May 16, 2012 Financing in 10314
Chris Miceli, Real Estate Pro in New York
Chris Miceli answered:
Are physician mortgage loans available in NY? What is the 'catch'? ?
I am a Loan Officer with PNC Mortgage.There are few loan programs that allow high Debt to income ratios. I am not sure who is offering Physician loans at the moment. If you want to cal ... more
0 votes Share Flag Wed May 2, 2012 Financing in 10306
Hector and M…, Real Estate Pro in Staten Island, NY
Seller financing can be a win-win situation for both the buyer and seller in a real-estate transaction. As long as the contract is legal and both sides honor their obligations, both parties will find that… Read more
Blogged Sun Apr 29, 2012 by Hector and Michelle Mesa Home Buying Home Selling Financing
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Homesite Rea…, Real Estate Pro in Staten Island, NY
NOW IS THE TIME TO BUY !The Forecast for the interest on conventional mortgages has increased volatility and uncertainty. Mortgage rates are near the lowest level they have been n the last 40+ years,… Read more
Blogged Sat Apr 14, 2012 by Homesite Realty, Inc., Home Buying Financing Rent vs Buy
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