Financing in Dayton : Advice

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harlow3587@a…, Home Buyer in Englewood, OH
harlow3587@aol.com asked:
who has the best rate for VA loans today.?
0 votes Share Flag Sun Jul 20, 2014 Financing in Dayton
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
My boyfriend and I want to buy a home, but can we if he is paying off an attorneys office for being sued 13 years ago?
If he has been in compliance with the agreement for 9 years what makes you think they would file a lien? Also is this agreement a judgment on his credit? If not you shouldn't have any p ... more
0 votes Share Flag Wed May 29, 2013 Financing in Dayton
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
Can I secure a mortgage on a $150,000 home with $100,000 down BEFORE I start my job, in the same field, in another state, or do I need to rent?
Basically, you would be financing $50K which to a lender is 66% LTV... The question is would you be able to qualify for the $50K loan? What do your last 2 years W-2 look like? How long ... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Dayton
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
I have a 612 middle score and need an FHA 203B loan for a house. Any advice?
How many revolving trade lines do you have? What is the balances you are carrying on them? I wouldn't keep letting lenders pull your credit as your credit score will be lowered. If yo ... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Dayton
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
My lender has declined my loan on a particular property because the seller hasn't owned the property for 90 days? Anyone ever heard of this?
As the others mentioned you will need to question if your loan was declined solely due to the 90 day issue.

Best of Luck;

Christina Solorzano;
CEO & SR Credit Repair Specialist ... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Dayton
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
can i use my car as collateral to buy house in Dayton Ohio. My car is Honda civic 2012 which worth around 17000$
A home loan is secured by the home. You are thinking of terms of an un-secured loan where sometimes collateral can be used. Purchasing a home, consists of securing a home loan, which i ... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Dayton
Matt Helpling, Real Estate Pro in Ohio
Matt Helpling answered:
Is anyone familiar with a lender in Dayton, Ohio or Columbus, Ohio who would refi an investment property sooner than 6-12 mos.? Buying and rehabbing
This is something my firm specializes in! Feel free to contact me and schedule a time/place that we can discuss this 937.938.9317 MHelpling@RapidDayton.com
0 votes Share Flag Tue Feb 26, 2013 Financing in 45426
Maria Cipoll…, Real Estate Pro in Coral Springs, FL
Maria Cipollone answered:
what is the current market interest rate for a land contract?
Generally speaking, the mortgage rate for a land contract is 1/2 point higher than the regular rate. Shop around for a mortgage broker, they have access to many banks, private lenders ... more
1 vote Share Flag Sun Oct 21, 2012 Financing in 45405
Annapurna, Real Estate Pro in Dayton, OH
Annapurna asked:
Ass. reserves 10%...an ass requirement for conventional condo loan? We are a complex with 52 units. Ohio law states 10% reserve unless majority votes less or -0-. New FHA guidelines require 10%...I gather no deviation.. Do conventional loans require the…
0 votes Share Flag Thu Nov 11, 2010 Financing in Dayton
Pam Miller H…, Real Estate Pro in Dayton, OH
Pam Miller Howard answered:
If appraisal comes in lower than the contracted purchase price, but HIGHER than the loan amount stated in contract, can buyer walk?
First -agree with the answer below. I am a REALTOR in Ohio with 27 years experience and I have taken the broker's courses but elected not to write the test. Although I have seen ma ... more
0 votes Share Flag Thu May 6, 2010 Financing in Dayton
Joshua Pick, Real Estate Pro in Valley City, OH
Joshua Pick answered:
Is a monthly pymt. skipped when doing streamline?
The lender that you are going through for your Streamline has decided to have you bring a payment to the closing table to keep your loan amount lower than if you were to "skip" a paymen ... more
1 vote Share Flag Wed Apr 8, 2009 Financing in Dayton
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
How do I become a private mortgage lender?
I work with many who are PML or aka HML contact my office happy consult with you.

972-699-9111

Lynn911
~ National Featured Realtor and Consultant, Lecturer regarding Credit R ... more
0 votes Share Flag Mon Mar 23, 2009 Financing in Dayton
Trey Bowden, Real Estate Pro in Edmond, OK
Trey Bowden answered:
I am trying to do research on getting pre-approved for a mortgage. Is there such a thing as a co-signor for?
Michelle,

Co-signor a.k.a. Non-Occupying Co-Borrower (in the language of financing) are a recognized and acceptable form of mortgage pre-approval.

Your Father-in-law will have to ... more
0 votes Share Flag Tue May 13, 2008 Financing in Oregon
Voices Member,  in
Voices Member answered:
if a FHA home owner dies what happens to the mortgage?
This is another consult an attorney answer. I believe part of the answer will depend on who is in tile, Who is on the loan and what type of deed.
0 votes Share Flag Wed Apr 23, 2008 Financing in Dayton
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