Financing in Bakersfield : Advice

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Dawn / Whole…, Other/Just Looking in Denver, CO
Dawn / Wholesale Lender answered:
What lenders can exclude pulling IRS 4506T tax transcripts. Calculate income off of W2s only and just pull IRS W2 transcripts?
We have a W-2 income only program where we just confirm the w-2 with the 4506t. If anyone needs it let me know . We're wholesale and correspondent lenders.

Dawn / Motive Lending / ... more
0 votes Share Flag Fri Nov 7, 2014 Financing in Bakersfield
Dee Oliver, Real Estate Pro in 93306
Dee Oliver answered:
2 brothers own a house. brother who wants his name off it is willing to pay for the refinance for the other. lawyer or no?
Where is this property located? Is it in New York or California. The answer to your question could affect the answer. Dee Oliver
0 votes Share Flag Thu Jan 2, 2014 Financing in 93312
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
What lenders in Kern County can take limited or thin credit history on FHA?
"borrower has 1 credit card rated 9 months and another only rated 5 months but has 3 credit scores over 640."
----
Should not be an issue, FHA has no minimum credit line requirement. ... more
0 votes Share Flag Tue Dec 10, 2013 Financing in Bakersfield
Mark R. Barr…, Real Estate Pro in Bakersfield, CA
Mark R. Barrett answered:
Recommendations for mobile lenders in Kern County, CA
I do them with no overlays. Which means I follow the Fannie Mae, Freddie Mac, VA or FHA guidelines.
0 votes Share Flag Tue Dec 10, 2013 Financing in Bakersfield
Mark R. Barr…, Real Estate Pro in Bakersfield, CA
Mark R. Barrett answered:
what bank or mortgage company can finance a mobile home including land in bakersfield?
If it fits the FHA, Fannie Mae, Freddie Mac, VA guidelines which are online for the world to see then I can do it. I'm doing a tricky Doublewide now via CMG.
0 votes Share Flag Tue Dec 10, 2013 Financing in Bakersfield
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Can you recommend a good lender to re-Fi a 6 un apt in Bakersfield, Ca?
The best thing for you to do is to just shop around and check out different lenders to see if this can be done for you. If you find a lender that cannot do this, they will likely lead y ... more
0 votes Share Flag Wed Dec 4, 2013 Financing in Bakersfield
Alex Greer, Real Estate Pro in California
Alex Greer answered:
Loan terms? 30 fixed or arm 5/7 arm? I REALLY PLAN ON LEAVING BAKO WITHIN 5 YEARS.
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in Artisan
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
My husband and I want to buy in Nov. In the meantime I've secured a Certificate of Elgibility from the VA. What's next ?
Yes these posts are all correct.

Dee Oliver is making a great point. The best deals out there right now tend to be the short sales, that is becuase the buyers are not going to get a ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in Bakersfield
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
We're going to buy soon and was wondering what type of loan to get...
I am probably too late, as you asked this question a few months back.

I wouild say the VA loans are possibly the most favorable loans on the market. However, unless you are a disbale ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in The Seasons
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
I have a question. We rented our home out and it's leased for 5 years min. We purchased our permanent home in Coarsegold, CA June 2010; escrow
Yes becuase it has been 3 years since you bought the other home and the rental is on a long term lease it sounds like we could do that as a primary residence.

We would need a copy of ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in Stockdale Estates
Mark R. Barr…, Real Estate Pro in Bakersfield, CA
Mark R. Barrett answered:
Does anyone know a good LO specializing in 203k loans in Bakersfield.?
I do a lot of 203k loans in Bakersfield. I can do them through Wells Fargo or outside Wells Fargo. If you want it done cheaper, faster and with less pain I would possibly go outside Wel ... more
0 votes Share Flag Thu Mar 1, 2012 Financing in 93309
Kenneth Brit…, Real Estate Pro in Columbus, OH
Kenneth Brittman answered:
I got pre approved so I could start looking at houses.But now i want to shop for the best rates.
There is a diffrence between in-house underwriting vs underwriting being done in another state. Make sure your loan officer explain in detail the whole loan process to approval and conf ... more
0 votes Share Flag Mon Sep 12, 2011 Financing in Bakersfield
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
I filed for Chapter 7 BK in May/2009.. and I'm looking to buy a house, can I be qualified now???
Sergio,

I posted a visual chart on my Trulia blog a little while back. It shows all of the waiting periods involved for various programs and loan-to-values. If you have any questio ... more
0 votes Share Flag Tue Apr 26, 2011 Financing in Bakersfield
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
770 crdt score,disabled, $1500 for down, can afford $600-650 mortgage payment what are my best options for comparing loans&how?
That's will depend not only on your credit score and income, but what your other credit reporting debt is as well. You need to sit down with a licensed (and not all LOs are) and e ... more
0 votes Share Flag Mon Apr 25, 2011 Financing in Bakersfield
Voices Member,  in
Voices Member answered:
JUST RECEIVED BK DISCHARGE FROM FILING CH 7 BK HOW HARD IS IT GOING TO BE TO FIND A LOAN?
Hi there!

The typical time frame is 2 years for FHA which might be your best bet. I have heard soooo many different time frames, it's really going to depend on the lender you wo ... more
0 votes Share Flag Thu Feb 10, 2011 Financing in Bakersfield
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
Need a short refi lender fast
Sorry hear about this ... does he work with a mortgage broker who can complete the file ?

Any lender can take up to 30 -45 days process would need start from the beginning, apprais ... more
0 votes Share Flag Wed Oct 13, 2010 Financing in Bakersfield
Kevin Olson…, Real Estate Pro in Colorado Springs, CO
Kevin Olson and Jessica Laude answered:
bad credit
There is a lot more factored in than just your credit. Also given consideration is job history, debt to income, the amount you can put down, etc.
0 votes Share Flag Sun Oct 10, 2010 Financing in Bakersfield
Shanti Brins…, Real Estate Pro in Bakersfield, CA
Shanti Brinsfield answered:
I'm getting a divorce & would like to know if I can get a loan mod if I have a 2nd on my home? I think I'm
Depends on the bank and it depends on how much upside down you are monthly. If you want to do a loan modification, I would see if the second will do one also. Sometimes they will. Go ... more
0 votes Share Flag Sun Oct 10, 2010 Financing in Bakersfield
Ray Short-re…, Real Estate Pro in New Jersey
Ray Short-refi answered:
Need a Lender for an FHA short pay refinance. Current lenders agreed to a short pay of fair current market value and give me 30 days to provide proof
Please review our website we may be able to help. WE DO SHORT PAY/ REFI WITH A NATIONWIDE CHARTER BANK
www.PSLLC1.COM
0 votes Share Flag Mon Aug 16, 2010 Financing in Bakersfield
Matt Taylor, Real Estate Pro in North Carolina
Matt Taylor answered:
We are in need of a Short Refi ASAP. We are also in desparate need to qualify and get a certification of such by Friday April 16, 2010.
I personally have originated and closed numerous short refinances. You do still need to qualify for the loan and depending on the bank it can be a very lengthy process. I will be happy ... more
0 votes Share Flag Thu Apr 15, 2010 Financing in Bakersfield
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