Financing in Hidalgo County : Advice

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tallen00001, Home Owner in Reno, NV
tallen00001 answered:
I applied for a mortgage and was told by the lender that everything was fine but the only reason they were not able to approve the loan was because I
Experian just finished putting "Disputed" on each entry of my report, even ones I did not request a dispute on and the good ones too. What can we do about these criminal acts?
0 votes Share Flag Tue Jan 27, 2015 Financing in McAllen
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
CAN I BUY A HOME WITH A CREDIT SCORE OF 588 AND 10 PERCENT DOWN?
You may. I work with several lenders that will work with clients down to 580 but it's not always easy. You would have to go FHA and would not need to put more than 3.5% down unless yo ... more
0 votes Share Flag Tue Jul 16, 2013 Financing in San Juan
Richard L Va…, Home Buyer in Edinburg, TX
Richard L Vance asked:
Quotes yields 0 of 0 No quotes returned regardless of credit setting
0 votes Share Flag Mon Feb 11, 2013 Financing in 78539
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
We signed Seller Disclosure on 7/25/12, should i now call my lender to check if its done with underwriting?
You definitely can and should. Honestly they should be have informed you of the timeline and kept you updated along the way. Most of my lenders I work with take about 3-5 business day ... more
0 votes Share Flag Tue Aug 7, 2012 Financing in 78572
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
how can i get a credit for buy a house?
The only way to know for sure is to meet with a local and trusted mortgage broker, they can prequailify you at no cost, they will look at your credit plus your financials and let you kn ... more
0 votes Share Flag Fri Oct 7, 2011 Financing in Pharr
Sera Smith, Real Estate Pro in Plano, TX
Sera Smith answered:
i would like to buy a home but my credit score is under 580 what can i do, or where can i get help
I do have a few lenders that will do a FHA loan under 580 FICO score. It will require a higher down payment. Depending on why your FICO score is low, they may require extra criteria t ... more
0 votes Share Flag Thu Sep 8, 2011 Financing in San Juan
Bruce Lynn, Real Estate Pro in Coppell, TX
Bruce Lynn answered:
where can i go to get help with purchasing a home, my credit score is under 580?
Get with a loan officer in your city.
Let them help you go over your credit report.
They can likely provide you guidance on how to improve it.

The basics are pay all bills on time, ... more
0 votes Share Flag Tue Sep 6, 2011 Financing in San Juan
Steve Tennis…, Real Estate Pro in McAllen, TX
Steve Tennison answered:
want to buy a 4 plex in mcallen texas. purcase price is 119000, im wanting to give a 20% deposit. where would be the best place to finance?
Actually Roy there are only a couple of banks in this area that will even touch an investment property at this point in the game.

If you need the names and contact people, send me a ... more
0 votes Share Flag Mon Aug 8, 2011 Financing in McAllen
Sera Smith, Real Estate Pro in Plano, TX
Sera Smith answered:
I have a foreclosure from about 5 years ago, largely due to a divorce. I have worked very hard to raise my credit score to 694 and a dept to income
Hello Steve,
First, let me also congratulate you for working on your credit. It is hard work after a foreclosure. But you did it!

As a Texas loan officer who does VA, FHA and USDA ... more
0 votes Share Flag Fri Mar 18, 2011 Financing in Mercedes
Bruce Lynn, Real Estate Pro in Coppell, TX
Bruce Lynn answered:
Our current home is on the market and have found a home we love and would like to make an offer on. we have found a buyer who needs owner financing
Never owner finance....
Double never if you still have financing of your own in place.

Renting your place is a possibility, but I would only do this if you are really set on being l ... more
0 votes Share Flag Thu Feb 17, 2011 Financing in Edinburg
Frank Zhu, Real Estate Pro in Austin, TX
Frank Zhu answered:
What is the minimum down a lender will accept? Are local lenders or national lenders the better way to go?
If you have decent credit score (above 620), definitely FHA loan with only 3.5% down. Or if you find an area that is qualified, get a USDA loan with 0% down.

Let us know if we can he ... more
0 votes Share Flag Mon Jan 31, 2011 Financing in Weslaco
Steve Tennis…, Real Estate Pro in McAllen, TX
Steve Tennison answered:
need to know what the real actions are from unsecured debt(credit cards) if left unpaid for ever other than
Hi Desparate,

Is your real question, is there light at the end of the tunnel? Consult a bankruptcy attorney for the legal questions. Also consult a financial adviser to see what can ... more
0 votes Share Flag Wed Apr 29, 2009 Financing in Edinburg
Other/Just L…, Other/Just Looking in Fleming Fitch Grant,...
Other/Just Looking answered:
How long should we wait before we request refinancing on our home after just getting a new job? My husband
Lending answer:

Going from self-employment to wage earner is much better than the other way around. Both conventional and governemnt insured loans require at least two years of self ... more
0 votes Share Flag Sun Jan 11, 2009 Financing in 78572
Steve Tennis…, Real Estate Pro in McAllen, TX
Steve Tennison answered:
How much would the monthly payments be? Also how much for yearly taxes?
Contact me and I try to get get you the exacts on the tax amounts for a certain property.
0 votes Share Flag Tue Mar 18, 2008 Financing in Edinburg
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