Financing in San Jose : Advice

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Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
I am working on refinance our home. Can you please let me know the current price range for our home?
Hello Nitin, it only takes a few dozen questions to qualify, go over your options and email you comparable listings to study and compare. Here are some links to study as well as web ref ... more
0 votes Share Flag Fri Mar 20, 2015 Financing in Cambrian
Arlene Campb…, Real Estate Pro in 12572
Arlene Campbell answered:
Is there a difference in mobile home and house loans? What is easier to get?
Lenders are stringent when it comes to mobile home financing. The mobile home has to be on a trailer park or has foundation, meaning wheels are off.

Traditional house loans are muc ... more
0 votes Share Flag Sun Mar 1, 2015 Financing in 95101
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
I am a US citizen, residing overseas along with my wife and child. How can I get home financing in the US?
Hello Mohammad

you should be able to purchase a second home using a US tax return with foreign income . we also offer many foreign national program with alternative income with very ... more
0 votes Share Flag Wed Jan 7, 2015 Financing in San Jose
Oscar Ben, Home Buyer in Washington, DC
Oscar Ben answered:
Is there any stated income program available in San Jose, CA (Bay Area)? I'm looking for one urgently (need to close within 30 days).
TESTIMONY ON HOW I GOT MY CHRISTMAS LOAN FROM A GENUINE LOAN COMPANY LAST TWO WEEKS.....Am Mr Oscar Ben by name, I live in California, United State Of America, who have been a scam vict ... more
0 votes Share Flag Sat Dec 27, 2014 Financing in San Jose
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
Can lender ask for tenants payment to buyer before close of escrow?
That is correct. They want assurance that deposit and rent is recorded on the sellers bank statement ...
0 votes Share Flag Thu Dec 25, 2014 Financing in 95117
Alex Greer, Real Estate Pro in California
Alex Greer answered:
What does LOI mean?
Letter of Intent

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
h ... more
0 votes Share Flag Fri Dec 5, 2014 Financing in San Jose
Andrea Wince…, Real Estate Pro in San Jose, CA
Andrea Wince ~ Lic. 01439761 answered:
Is HELOC(not used) treated as lien for refinance?
The title company handling the refinance will send a demand to the HELOC lien holder and verify there is no balance owed if you have not used it. If you want a new HELOC, speak with you ... more
0 votes Share Flag Tue Oct 14, 2014 Financing in San Jose
Brendan Brac…, Real Estate Pro in 92101
Brendan Bracken answered:
Advice for finding lenders after short sale?
I wanted to introduce you to the "FRESH START" Portfolio Loan Program.

This is a Special Home Loan Program that WE FUND, where we can provide a mortgage loan for a borrower 1 day af ... more
0 votes Share Flag Sat Sep 13, 2014 Financing in San Jose
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
getting a second loan for new home purchase
Your lender for the new home will require your current property be appraised.
This appraisal will verify that there is 30% equity. The appraiser will also let us know what rent will b ... more
0 votes Share Flag Fri Jul 25, 2014 Financing in San Jose
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
stated income loan for multiplex?
I am guessing you want a low rate too.

What I really would need to do that. is to document that the units more than carry themselves. That means we need the tax returns or at lea ... more
0 votes Share Flag Thu May 29, 2014 Financing in San Jose
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
Gift fund and refinance
HI JR.

if you have pay down the principle from gift fund we would need a gift letter and donor's bank statement. best advise is to change your lender .

give us a call we do not h ... more
0 votes Share Flag Sat May 24, 2014 Financing in San Jose
Finance1onli…, Real Estate Pro in Los Angeles, CA
Finance1online answered:
Need help finding stated income loan in San Jose California?
An update to stated income loans...we can get to 80% LTV however the guild lines are stringent! At 65-70 LTV, as outlined in the above question, guide lines are less stringent. In gener ... more
0 votes Share Flag Thu Apr 24, 2014 Financing in San Jose
Matt C. Sett…, Real Estate Pro in San Francisco, CA
Matt C. Settles answered:
Cash-out refinance, more than 4 properties (5 total).
To anyone looking to cash out on investment propertes.... I do have a very aggressive program that will allow you to cash out and does not require tax returns. Please email me at mse ... more
0 votes Share Flag Fri Jan 31, 2014 Financing in San Jose
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Need advice which loan option is best for $600,000 first time home buyer mortgage loan?
Hi Sonu

If your plan is to stay 12-15 years, then you have to be concerned about what happens to the rate after the 7 or 10 years. I'm assuming the rate caps on the ARM's are 6/2/6 ... more
0 votes Share Flag Wed Dec 11, 2013 Financing in San Jose
Theresa Vuong, Real Estate Pro in San Jose, CA
Theresa Vuong answered:
Does it make sense to get multiple per-approvals? Why or why not?
Hello Martabar,

You have posted a great question. Depending on your financial situation, the answer will vary.
In my opinion, I would recommend obtaining a pre-approval through a ... more
1 vote Share Flag Thu Nov 21, 2013 Financing in San Jose
Bahia Fear, Real Estate Pro in San Jose, CA
Bahia Fear answered:
we are pre-approve and the bank is locking in the interest rate does this mean we will get the loan once it has gone this far
Hello Hahnjj,

Generally a rate lock is done in the preliminary stages of your loan application. There are still many steps that determine if the loan will go through. For example, o ... more
0 votes Share Flag Thu Nov 21, 2013 Financing in 95148
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
My Parrent gave me money and I purchased an 2 units investment property? Can I cash out? I do not have an primary home.
I may be able to do that mortgage for you. You can contact me by clicking my picture or for faster service call me at 949-297-1207


NMLS 287206
0 votes Share Flag Fri Oct 25, 2013 Financing in San Jose
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
I did a Chpt 7 BK a year ago and my attorney did not reaffirm my mortgage loan, so its not on my credit report, If I default will it show that?
The reason it does not show up is that the lender / servicer does not report it to the credit agencies.

Once the foreclosure begins it will be a public record that will show up on yo ... more
0 votes Share Flag Fri Oct 25, 2013 Financing in San Jose
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