Financing in Solano County : Advice

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Jason Wheeler, Real Estate Pro in Pleasant Hill, CA
Jason Wheeler answered:
I am looking for portfolio lenders in the San Francisco Bay Area to fund profiable non-owner occupied real
I'm not sure if you are still looking or not since this is an older post... but.

We have recently developed portfolio private lending programs that are helpful and specific for real ... more
0 votes Share Flag Sun Oct 5, 2014 Financing in Benicia
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry answered:
How long after closing escrow on a SF home purchase can we apply for a HELOC?
Hi Natalie

There is no pre determined limit as it would be Anti Trust.

You can go to another lender other than your primary Mortgage
lender and explore the process or a new Mortg ... more
0 votes Share Flag Mon May 5, 2014 Financing in 94510
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
How soon after closing on a new home loan can you refinance?
You can refinance the day after you close your escrow.
The original appraisal must be utilized. If the borrower is trying to take advantage of the new value, he must wait for six mont ... more
0 votes Share Flag Mon Apr 21, 2014 Financing in 94585
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
With so many choices for refinancing, which route would you recommend going with? Traditional bank, online only bank, or credit union?
R You purchased the home from a real estate agent.
Contact them and get a good referal. The loan agents that are referred from a know source are your best bet.
On line lending? You ... more
0 votes Share Flag Mon Apr 21, 2014 Financing in 94585
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
We looking for a 'Lease to own" home in Benicia or Hercules. Do you know anyone currently renting or selling there properties who would?
Vaughan,
Very often, circumstants a citizen finds themselves in, make this an atttactive option. Please invest a moment to dig through my blogs to read about the 'magic sauce' that mak ... more
0 votes Share Flag Tue Oct 29, 2013 Financing in Benicia
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
NSF fee reversed
If it was truly a bank error it won’t make any difference. You are allowed to submit any documentation that supports your loan application. A letter signed and dated by the bra ... more
0 votes Share Flag Thu Jun 20, 2013 Financing in Fairfield
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
I just got turned down for my student loans :(. They're not in repayment til 4/2017. I wanted to refinance my fha -> conventional. Anyway to bypass?
R Ojeh,

Here is the specific conforming guideline, so this will apply to those lenders who would offer you the best terms on fixed rate loans, for example:

"Deferred installment d ... more
0 votes Share Flag Fri Jun 14, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Is your tax refund part of income used to determine your DTI ratio when refinancing?
No your tax refund is not used in your income.

If you want me to prequal you:

1. There is no cost or obligaion
2. I am more likely to do the mortgage than most lenders out there
... more
0 votes Share Flag Fri Jun 14, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Would I qualify for a conventional 30 year fixed refinance if my DTI is 42.18%?
That should be OK, where you turned down somewhere?
0 votes Share Flag Fri Jun 14, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
my renter wants to buy my home but is not quilfyed for the entire amount of my morgage, can he take over my payments legaly, all payments are current
Yes there are creative finance options, but you need to do it correctly, you can have some real ramifications if not done right. As the seller are often held liable for any borrower de ... more
0 votes Share Flag Tue May 7, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
what is involved in doing a refinance? what are the similarities and differences of a refinance compared to a fha loan for a fist time home buyer?
Sounds really simple. the question is what is your home value. From there we can tell what the best loan for you would be. Then we have to be sure that the benefit to you is sufficient ... more
0 votes Share Flag Tue May 7, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Is it possible to refinance an fha loan into another fha loan?
Do this all of the time. First though I would try to get you away from the FHA loan if possible. Many people save $500 a month just doing that.

I would need to have more numbers to ... more
0 votes Share Flag Tue May 7, 2013 Financing in 94585
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Does having a collection show up on your credit report disqualify you from a refinance?
It can but there a a lot of variables. I deal with them in a variety or ways.
1. I try to get the loan approved as is. Many times this is possible
2. I try to get the collection remo ... more
0 votes Share Flag Tue May 7, 2013 Financing in 94585
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Does a higher appraisal increase property taxes?
Hi R Ojeh,

Your pending Appraisal has nothing to do with your property tax bill; however, a local "Seller's Market" with over-asking offers and investor cash will certainly stimulate ... more
0 votes Share Flag Thu Apr 4, 2013 Financing in Suisun City
Beth Britten…, Real Estate Pro in Vallejo, CA
Beth Brittenbach answered:
Is it possible to find a legal organization to cosign on a loan for a home if your credit is not strong enough?
Hi Shannon,

I am not aware of any legitimate organization who would do this; and with all the scams out there I wouldn't advise this approach. Better to just pull back and work on im ... more
0 votes Share Flag Thu Aug 2, 2012 Financing in Vallejo
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
We have a 30 yr fixed conv. We would like to refinance into one loan. We are underwater, and do not qualify for homes affordable program. Options?
I am assuming you have a 2nd that you want to combine?
You cannot refinance into one loan if you are upside down. Even if you were eligible for the HARP refinance, the 2nd would have ... more
0 votes Share Flag Mon Jun 25, 2012 Financing in 95688
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Qualifying for a Homepath investor mortgage...
I'm interested in whether you ever found something in the Bay Area for $50-$55K?
0 votes Share Flag Sat Aug 6, 2011 Financing in Vallejo
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Down payment assistance programs are avaliable to first time home buyers.
Down Payment Assistance programs are getting scarce. One possibility is Fannie Mae's Homepath program. For more information and someone to protect your interests, call;
Mike Rowla ... more
0 votes Share Flag Wed Jun 1, 2011 Financing in Vallejo
Dp2, Other/Just Looking in Virginia
Dp2 answered:
WITH MORE EXPLANATION Portfolio Lender that will take a 620 credit score.Wells said they can't cause of the number of properties I have under
Either you misunderstood what your accountant told you, or s/he gave you some bad advice.

Actually, you have some options, but you'd need to restructure your portfolio. The pos ... more
0 votes Share Flag Thu Apr 21, 2011 Financing in Vallejo
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
We were approved for a Fannie Mae loan but the lender denied us because of an incorrect default which isn't on our credit report. How can we be?
Chris,
I loan modification is held against you for 3 years.
Your approval was that a commitment? I don't think you had a commitment since no underwriter would have signed that c ... more
1 vote Share Flag Fri Oct 29, 2010 Financing in American Canyon
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