Financing in Temecula : Advice

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Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Looking for assistance with a loan modification. Tried to refinance but my home is close to the amount owed. Trying to get off an Opt ARM loan. Thk
Hello Manny, you may qualify for the HARP program even if you are upside down. You may have more value than you expect.

Your qualifications will be determined by your credit profile ... more
0 votes Share Flag Fri Apr 24, 2015 Financing in Temecula
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Need a home equity lender for credit scores in the 630 range
I can do that all day long.

Call me at 714-968-2500
0 votes Share Flag Tue Mar 24, 2015 Financing in 92591
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Can I qualify for a VA loan if I am currently behind in my current mortgage. This VA loan would be a new purchase.
Hello Myrtle, I am also a Veteran and love assisting It only takes a few dozen questions to qualify and go over your options. Here are some links to study as well as web reference links ... more
0 votes Share Flag Mon Mar 23, 2015 Financing in 92591
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
How come it is so hard for lenders to understand that I want FHA/CalFHA? They always want to run me through
Your income or assets, along with your credit score maybe more suitable for a different loan scenario.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 f ... more
0 votes Share Flag Sun Sep 29, 2013 Financing in 92591
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
VA loan...need a higher DTI for my dream house!! Any suggestions?
You must have an Approved Eligible DU findings in order to go higher on the dti. If it comes back as a refer on the DU findings, then you are capped at 41% on your dti ratio.

I have ... more
0 votes Share Flag Sun Sep 29, 2013 Financing in 92591
Brad Yzermans, Real Estate Pro in Temecula, CA
Brad Yzermans answered:
Can I get qualified?
Back in Sept. 19, 2008, HUD (FHA) clearly defined the guidelines on being able to use FHA financing to purchase a home when having a departing residence that has less than 25% equity.
... more
0 votes Share Flag Tue Jun 18, 2013 Financing in Temecula
Qalonia, Home Buyer in Temecula, CA
Qalonia answered:
We want to purchase 5 plus acres in Temecula, does anybody do land loans anymore?
hi
need to buy a house in temecula , cash only . need a nice place and good location .good size .settlement on spot .
this is my email : meniffe@gmail.com

regards
moe
0 votes Share Flag Fri Jun 14, 2013 Financing in Temecula
Ray Wright, Real Estate Pro in 92506
Ray Wright answered:
we have a home & need to buy a larger home...husband is self employed & has deed in lieu on credit. Is there a way to get approved without?
I can't address the nuances involved with Chicago Real Estate, but I can say meet with a lender right away to see where you are today and what you need to do to get where you want to be ... more
0 votes Share Flag Tue Jun 11, 2013 Financing in Temecula
Eddie W de L…, Real Estate Pro in Riverside County, CA
Eddie W de Leon answered:
we have a home & need to buy a larger home...husband is self employed & has deed in lieu on credit. Is there a way to get approved without?
That's a great question Amy. When approving a loan there are many factors that come into play. The best way of having the question answered is by speaking with a Lender that has exper ... more
0 votes Share Flag Fri Jun 7, 2013 Financing in Temecula
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Help! Verification of Employment gone too far
Dizzymisslizzy,

Just remember, nobody is indispensable, meaning nobody's job is guaranteed. Given that fact, the UTR is trying to determined the probability of continued employment. ... more
0 votes Share Flag Wed Mar 13, 2013 Financing in Temecula
Jctproperties, Home Buyer in San Jacinto, CA
Jctproperties answered:
Owner occupied hard money lender
Any luck on that lender Chris?
0 votes Share Flag Mon Feb 4, 2013 Financing in Temecula
Phyllis Mcar…, Real Estate Pro in San Mateo, CA
Phyllis Mcarthur answered:
Do any lenders in southern California work with delayed financing program?
Brad sounds like the best prospect on these question and answers, I don't know him, however he has the Best solution/answer!
0 votes Share Flag Wed Jan 9, 2013 Financing in 92592
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I own a 3bd 3bath home in Temecula, CA and I want to rent it in order to upgrade to a 4 bedroom. Good idea? Bad idea?
I see several incorrect or if noting else, misleading answers below. For those people looking to buy another home you will have a window of opportunity at the end of each year in order ... more
0 votes Share Flag Mon Aug 20, 2012 Financing in Temecula
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Anyway I can buy a house without using my spouses debt
Your debt may not be as bad as you think. For example, your student loans can be deferred. If you have not personally spoken to a VA Lender, I would suggest that. We can at times push t ... more
0 votes Share Flag Mon Aug 20, 2012 Financing in Temecula
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
If I HAVE BAD CREDIT BUT I PLAN ON PUTING DOWN ABOUT 80% WILL I STILL HAVE A DIFFICULT TIME PURCHASING A HOME? MURRIETTA
Unless your paying cash for your home, I would hate to see you put such large down payment down. If your desire is to invest in properties, we offer a 30% down loan where credit is imm ... more
0 votes Share Flag Tue Oct 4, 2011 Financing in Temecula
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I'm new in this business and looking for a mortgage broker and a real estate attorney in CA. I've contacted several people so far, but
We offer government insured loans down to 600 in house funding and NO credit scores on a case by case basis (which include manual underwriting). We have a hard money or private money di ... more
0 votes Share Flag Tue Oct 4, 2011 Financing in Temecula
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Unemployed spouse- Does her $$$ count as "income"?
Regarding the first part of your question, if you are buying in the areas of Temecula, Murrieta, Winchester, Wildomar or Menifee, etc there is a loan program that offers the lowest paym ... more
0 votes Share Flag Tue Oct 4, 2011 Financing in Temecula
Blasic Smith…, Real Estate Pro in Murrieta, CA
Blasic Smith Team answered:
Anyone know of a lender who will lend on a 2nd home to someone who currently has 5 loans out (4 rental loans & 1 main residential loan)? Great
Hello J Lo. Were you able to find a lender to help you out? If not, contact me and I'll put you in contact with a lender I use.

All the best!
0 votes Share Flag Fri May 20, 2011 Financing in Temecula
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
Anyone know of a place that will give a loan for a cash out refi on a home with no loan. great credit. rental home, own 7 homes
Christine I'll check tomorrow to see if I might be able to cross-collateralize the two properties.
One of our portfolio lenders requires a minimum of $300k. The other is $400k.

... more
0 votes Share Flag Mon Feb 28, 2011 Financing in Temecula
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
Interest rate vs. A.P.R?
Raschel anwser plus ....cost of the loan ... over the length of the term. That's why the APR has a higher percentage of increase on a 15 year fixed over a 30 year fixed. ARMS APR a ... more
1 vote Share Flag Tue Jan 11, 2011 Financing in Temecula
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