Financing in Monroe County : Advice

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Roy Bush, Both Buyer and Seller in Phoenix, AZ
Roy Bush answered:
Can I buy a house with a credit score of 530, email
CFS Mortgage,, has a flexible loan program. They allow a mortgage after a foreclosure, short sale, or chapter 7 bankruptcy. There is only a six month waiting peri ... more
0 votes Share Flag Sat Jul 27, 2013 Financing in 18344
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
Would a 203k Loan cover repairs for a deck that is not in very good shape and wooden front porch, and a paved driveway?
All of the items you mentioned would be acceptable with a Full 203k. You may tear off the entire porch and build new or you may simply reinforce. The same would apply to the driveway ... more
0 votes Share Flag Fri Jun 14, 2013 Financing in Tobyhanna
Laura Gehl, Real Estate Pro in Clifton Township, PA
Laura Gehl answered:
I want to buy a B&B, should I get a mortgage or a small business loan?
Elisabeth, It is faster to get a mortgage loan, SB loans are not as common. I do know of a small B&B in the Poconos very close to highdway 80. If you would like more information plea ... more
0 votes Share Flag Sun Nov 18, 2012 Financing in Canadensis
Gayle Dimas, Real Estate Pro in Tobyhanna, PA
Gayle Dimas answered:
Looking for a Residential Mortgage Lender for a foreclosed home in Tobyhanna, PA.
Speak to this mortgage broker

Brad Mescavage, from Gateway Funding. He is great! Tell him Gayle Dimas from Brokers Realty referred you.
Cell: 610-703-0072
0 votes Share Flag Sun Jan 8, 2012 Financing in Tobyhanna
Lustitia1, Both Buyer and Seller in Scranton, PA
Lustitia1 answered:
Anyone have any experience with PNC mortgage in Scranton,pa. I would like to know how your experience was, so far mine is a nightmare
Hi Jmonte,
I hope everything worked out for you. I too had a horrible experience with PNC loan officer KS. I will never again accept an offer from a home buyer who is financing with PN ... more
0 votes Share Flag Tue Dec 6, 2011 Financing in 18301
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
veteran using va status using spouse income only does my name have to be on the contract.
Brenda & Daria are correct - as the veteran's whose entitlement is being used for the VA loan, you definitely need to be on the loan + purchase contract + will sign all other d ... more
0 votes Share Flag Sun Oct 16, 2011 Financing in Monroe County
Lisa Sanders…, Real Estate Pro in Stroudsburg, PA
Lisa Sanderson answered:
We are looking to purchase a home in Effort PA. I have contacted a mortgage broker and he ran my credit report and the report came back with a score
My recommendation to you is to get in touch with a local lender who comes with recommendations from other professionals or customers who have had successful transactions with them. Ever ... more
0 votes Share Flag Mon Sep 19, 2011 Financing in Effort
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
GREAT home, GREAT price, SHORT SALE, and HIGH TAXES? NEED help!!!
$115k/year of income should be fine to qualify for the $214k sales price with $9.7k/year of property taxes, even if your car payment is $2k/mo (which I doubt it is) - the payment on the ... more
1 vote Share Flag Sat Sep 17, 2011 Financing in 18353
Alan Openshaw, Real Estate Pro in Warminster, PA
Alan Openshaw answered:
Question is am I entitled to receive a copy of a credit report from a broker that recently ran it for me. Thank you
you are not entitled to it even if you paid for it. However you are entitled to the addresses of the credit reporting agancies who will furnish a copy to you if any negative inform ... more
0 votes Share Flag Tue Sep 13, 2011 Financing in Effort
Erica Ramus, Real Estate Pro in 17901
Erica Ramus answered:
hi, we need comps for our house in ELA before wells fargo will consider a refi. can any local realestate agents give us some guidance please?
Is there a local real estate broker you can call? Look in the yellow pages or just walk into a local firm for help.
0 votes Share Flag Sat Jul 30, 2011 Financing in Long Pond
Erica Ramus, Real Estate Pro in 17901
Erica Ramus answered:
You cannot "correct" an appraisal. An appraisal is the appraiser's OPINION of value. If you have better comps you can call your lender and ask him/her to consider your co ... more
0 votes Share Flag Wed Nov 17, 2010 Financing in Saylorsburg
Cheryl J Mcd…, Real Estate Pro in Stroudsburg, PA
Cheryl J Mcdonald answered:
I'm only waiting for closing now, is there anyway I could get the $8000 tax credit to use towards closing costs?
I posed the same questions to a lender who is currently working with one of my clients and he told me that the only way to use the credit toward your closing costs is to go through PHFA ... more
0 votes Share Flag Wed Dec 2, 2009 Financing in Tobyhanna
Momof3, Home Buyer in 18322
Momof3 answered:
Are USDA loans better than Conventional loans..?
Thanks for all the replies, We have outstanding credit 795-805 and could afford the mortgage. the only problem is the 20% down. We can come up with 3.5% if we did FHA but then we wou ... more
0 votes Share Flag Mon Sep 21, 2009 Financing in Long Pond
Lisa Sanders…, Real Estate Pro in Stroudsburg, PA
Lisa Sanderson answered:
My fiance and I feel like we need a lawyer to protect us from the mortgage company. We are buying a home in
You didn't mention whether you are purchasing through a real estate agent or not. If you are, I don't want to interfere with that and suggest you have a heart to heart with them and/or ... more
0 votes Share Flag Wed Jul 29, 2009 Financing in Long Pond
Kevin, Other/Just Looking in Texas City, TX
Kevin answered:
I am being told by Mortgage Broker that loan may take up to 60 Days to close on an existing manufactured home.
usually it takes 30-45 days but still it may depend on individual's loan file and specific conditions... For more information, you can visit:
http://www.eaglenati ... more
0 votes Share Flag Sat Jul 25, 2009 Financing in Kresgeville
David Chambe…, Other/Just Looking in Saint Petersburg, FL
David Chamberlain answered:
A mortgage Broker has given me a G.F.E. showing 1% Origination Fee but also shows 3% to be paid by Lender at
John B, 3% paid by lender does not mean Claire would pay 4% closing cost. The 3% from the lender would come as a rate increase. That would be 1% closing cost shown here plus any thing e ... more
0 votes Share Flag Tue Jul 21, 2009 Financing in 18333
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