Financing in Indiana : Advice

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maloneywriti…, Home Buyer in Indiana
maloneywriting asked:
Small mortgage origination, poor credit, not within 6 months. Roughly 9-12 months from now, I will be moving to Indiana to start a new job. The homes I am looking for are mostly in the under-50,000 range. My credit is quite poor. What are my alternatives?
0 votes Share Flag Sun Mar 2, 2014 Financing in Indiana
matt, Real Estate Pro in Dallas, TX
matt answered:
I have a credit score of 580, my wife the same. I qualify for VA loan benefits, annual salary of $40K.What mortgage company will work with me?
RH Lending offers 100% VA Financing with credit scores down to a 580. Leonard Ujkic is your guy over at RH Lending.

Leonard Ujkic
0 votes Share Flag Sun Feb 16, 2014 Financing in Newburgh
David Pinyerd, Real Estate Pro in Carmel, IN
David Pinyerd answered:
Looking for a lender interested in a portfolio loan. Have a chapter 7 in background.
It is certainly possible with a Chapter 7 in your background, but there will obviously be additional documentation and possibly additional contacts with your attorney from the Chapter 7 ... more
0 votes Share Flag Tue Jan 21, 2014 Financing in Carmel
Lucinda Ande…, Real Estate Pro in Demotte, IN
Lucinda Anderson answered:
May I go through Urban Rual Development for a loan for this home?
Yes, call Jenn Jurs New Mill Mortgage Demotte, IN very knowledgable with that program. 219-208-0966
0 votes Share Flag Tue Jan 14, 2014 Financing in Demotte
Joe Shoemaker, Real Estate Pro in 46203
Joe Shoemaker answered:
My wife and I are saving for our down payment on our first home which will be financed with an FHA loan. I have a question regarding cash deposits...
Thanks for the question!

Many lenders and their respective underwriters will permit such deposits provided there is some sort of "gift letter" to explain the deposit. I am ... more
1 vote Share Flag Thu Dec 19, 2013 Financing in Indiana
Paul Deibler, Real Estate Pro in Frederick, MD
Paul Deibler answered:
Which lenders do VA loans without a minimum FICO?
Our bank offers VA loans down to a 530 Credit score! This requires a 10% down payemnt. If you have a 580 credit score, you can do 100% financing.

We can also give you tips on how t ... more
1 vote Share Flag Thu Nov 7, 2013 Financing in Indiana
Randy Roberts, Real Estate Pro in Beverly Hills, CA
Randy Roberts answered:
I have a credit score of 589 would I have a chance getting a loan on a foreclosed home with this husband and I ran into some financial
FHA loans are available with a 580 credit score, conventional loans require a 620, trick is finding the right lender. I know of several that can help you out.
0 votes Share Flag Thu Oct 31, 2013 Financing in Rockville
Dana Lindberg, Both Buyer and Seller in Phoenix, AZ
Dana Lindberg answered:
Recommended Lender for FHA 203K Loan in Fort Wayne, South Bend, or anywhere in Kosciusko County?
203k is a very good program however, getting it is not the easiest process. For more details about 203k loan, visit CFS Mortgage and RenovationReady brings together mo ... more
0 votes Share Flag Fri Sep 20, 2013 Financing in Warsaw
Thomas Young, Home Buyer in Phoenix, AZ
Thomas Young answered:
Lenders for 203k loan using Down Payment Assistance in Indiana
From my experience with 203k loans, the best advice is to use a lender that offers assistance via third party with 203k processing.
This shortens the closing time by weeks. Try http:/ ... more
0 votes Share Flag Sun Sep 15, 2013 Financing in Merrillville
Ed Stojancev…, Real Estate Pro in 46307
Ed Stojancevich answered:
Where is the Trulia app for Windows?
To my knowledge I do not believe Trulia has an app yet for Windows phones, Trulia has a mobile section where you can enter your phone number and they will send you a link to download th ... more
0 votes Share Flag Wed Sep 11, 2013 Financing in 46322
Kevin McLaug…, Real Estate Pro in Murrieta, CA
Kevin McLaughlin answered:
we have no money for down payment or closing costs, but we found a foreclosure home we want
Always visit with a reputable mortgage lender to determine what you qualify for before shopping for a home -
0 votes Share Flag Mon Sep 9, 2013 Financing in 46574
Bettina Sett…, Real Estate Pro in Greenwood, IN
Bettina Settles answered:
Can a foreign student obtain a conventional mortgage with F1 visa?
You might need to check with a mortgge compay on that first to be certain.

F-1 students may not work off-campus during the first academic year, but may accept on-campus employment s ... more
0 votes Share Flag Sat Sep 7, 2013 Financing in 46202
Cjoyglam, Renter in Huntsville, AL
Cjoyglam answered:
Is it good to apply for a credit card right after closing on a home . What are the chances of getting approved?
If my name is not on the loan but on the deed, am I able to put that I own a home on my credit card application?
0 votes Share Flag Wed Sep 4, 2013 Financing in Indianapolis
Mitch Rolsky, Real Estate Pro in 46204
Mitch Rolsky answered:
Sample of a prequaliying letter
Most Realtors and Sellers want a pre-approval vs a pre qualify letter. The difference is when you are pre-approved the lender has examined your credit history and based their decision o ... more
0 votes Share Flag Sat Aug 24, 2013 Financing in Indianapolis
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
I have a credit score of 620 and own a home and would like a 30 yr mortgage who will lend to me so I can pay a friend back who I owe 26000?
You can get an FHA loan with a 620 middle score with some lending institutions but not many. I would recommend finding a broker or service to help you locate a reputable lender that can ... more
0 votes Share Flag Sun Aug 11, 2013 Financing in 46324
Beverly Jeff…, Real Estate Pro in Waco, TX
Beverly Jefferson Onken Jones answered:
Can you refinance FHA loan with a VA loan?
Not in the state of Texas
0 votes Share Flag Wed Jul 17, 2013 Financing in Indianapolis
Tom McCollis…, Real Estate Pro in 46038
Tom McCollister answered:
Where can I find a nontraditional lender I need $20,000.00 to $30 ,000.00 I have a business that clears $150.000 after expenses credit score 600
I have some contacts that may be able to help. Is your main goal to get a loan to consolidate some of the debt or working towards getting a loan approval for a home purchase? Send me ... more
0 votes Share Flag Tue Jul 16, 2013 Financing in Indianapolis
Gordon Parker, Real Estate Pro in 46321
Gordon Parker answered:
cab i get a loan for 25000

Very few lenders loan under 35,000 for a home mortgage loan. You definitely could get a personal loan for $25,000 from any lender depending on your income, credit score an ... more
0 votes Share Flag Tue Jul 9, 2013 Financing in 46407
Eugenia, Real Estate Pro in Indianapolis, IN
Eugenia answered:
Can a foreign student obtain a conventional mortgage with F1 visa?
I just recently graduated from a doctorate program myself. Jamelle is my agent. He is great at working miracles.
If you need a real estate agent call Jamelle Walker 317-453-0917. H ... more
0 votes Share Flag Sun Jul 7, 2013 Financing in 46202
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