How To Take Over Mortgage Payments All Locations : Nationwide Real Estate Advice

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Jory Blake, Real Estate Pro in Norco, CA
Jory Blake answered:
I gave my house up during my 2008 bankruptcy. Bank of America didn't foreclose the property until 2012.
Ok, quick question for your lender....Did you verify the recording date of the foreclosure before telling me I could obtain a loan?

It is easy to print out a pre-approval letter and ... more
0 votes Share Flag Mon Jun 13, 2016 Foreclosure in Riverside County
Solomon Gree…, Real Estate Pro in Duluth, GA
Solomon Greene answered:
How likely am I able to buy a house with a 642 credit score and no debt besides student loans?
You may be at a good starting position, but there is more to be considered. Please don't attempt to answer any of these questions here, but think about them carefully.

1. Did a mor ... more
0 votes Share Flag Wed May 21, 2014 Home Buying in Fairburn
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
What is the difference between pre- qualify and pre- approval? Which do you do first and when do you do it?
When shopping for a home, be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously. Generally a pre-appr ... more
0 votes Share Flag Thu May 29, 2014 Home Buying in Franklin Square
Kim Perez, Real Estate Pro in Cedar Park, TX
Kim Perez answered:
My husband and I are wanting to purchase our first home. My fico score at worst is 618 and his is higher. I ...
It is very likely than you can get financing by then. It sounds as though you are doing the right things to get your credit in shape, so congratulations!

The best course of action f ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in Round Rock
Suzanne MacD…, Real Estate Pro in Morristown, NJ
Suzanne MacDowell answered:
Relocating family of 4 out of state (St Louis,MO to WI). St Louis (City) house is about $30K under water. ...
I have never heard of a bank doing something like that, and they are NOT creative! I would say short sale or renting are your two best options.
0 votes Share Flag Fri Jun 14, 2013 Home Selling in 63104
Matt Laricy, Real Estate Pro in Chicago, IL
Matt Laricy answered:
Joint loan application or single with multiple credit factors but good income.
There are plenty of them out there. Try calling Tony Lupescu at 708-351-6416.
0 votes Share Flag Tue May 14, 2013 Credit Score in Chicago
Tina Lam, Real Estate Pro in San Jose, CA
Tina Lam answered:
Financing Question
On a pure financial cost basis, you'll pay less interest with the 15 year option. However, you gain additional cash flow flexibility with the second option. As for which is better, th ... more
0 votes Share Flag Mon Mar 25, 2013 Financing in San Antonio Road
Skip Stamper, Real Estate Pro in Ormond Beach, FL
Skip Stamper answered:
how much do seller's usually pay in buyers closing cost in Ormond Beach, fl?
Sellers are not obligated to pay any closing costs for Buyers. However, when negotiated in a contract, they can contribute up to 6% of Buyers closing costs of their loan.
0 votes Share Flag Fri Mar 22, 2013 Home Buying in Ormond Beach
Steve (888)…, Other/Just Looking in 33496
Steve (888) 662-4404 answered:
Are there differences between lenders for FHA backed loans?
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See programs below, then contact me to talk about how to minimize payments and reduce out of pocket costs.

1) 100% LTV- VA / (VA Jumbo @ lower ltv)
2) 100% LTV- USDA/12 mo. into ... more
0 votes Share Flag Sun Apr 3, 2016 Home Buying in Miami
Gail Gladsto…, Real Estate Pro in 11743, NY
Gail Gladstone answered:
When should we try to get pre-approved for a mortgage? When we have secured the down payment?? We only have ...
Cj,

Pre approval (NOT prequal) should be the very first thing you do...before all else.

Only then will you know what you will realistically be able to handle.

gail@GladstoneGro ... more
0 votes Share Flag Sat Feb 28, 2015 Home Buying in 11552
My NC Homes…, Real Estate Pro in Chapel Hill, NC
My NC Homes Team answered:
Can you get a mortgage without a job?
I'll be curious to see what others might suggest. I don't believe it's likely you can get a regular mortgage but there may be some hard money lenders who would offer you one. Why not ta ... more
0 votes Share Flag Wed Mar 20, 2013 Home Buying
Claudia Mull…, Real Estate Pro in
Claudia Muller Gravelle answered:
Need advice for getting mortgage after short-sale
Extenuating circumstances is a one time economically devastating incidence.
Job loss is not considered extenuating.
Health issues not extenuating.
Extenuating circumstance is almost ... more
0 votes Share Flag Mon Aug 4, 2014 Home Buying in San Jose
Melissa Reed, Real Estate Pro in Buford, GA
Melissa Reed answered:
Hello, I am interested in becoming a home buyer. I am 25 yo, I have a subpar credit score. Any advice?
We work with some great lenders who offer competitive loan programs for all credit scores. We also specialize in homes in the Buford area. Please feel free to give us a call- The Hill ... more
0 votes Share Flag Wed Jul 31, 2013 Home Buying in 30519
Kawain Payne, Real Estate Pro in Seal Beach, CA
Kawain Payne answered:
I would like to purchase a home, but my credit scores are 561,561, and 627. Is in possible for me get a loa ...
Hello Christine,

You must work on improving your scores. It can be done.

I suggest you consult a mortgage consultant, they can tell you steps you can take to improve your score. ... more
0 votes Share Flag Wed Mar 20, 2013 Home Buying in Fort Mill
Jory Blake, Real Estate Pro in Norco, CA
Jory Blake answered:
Any loans available for a 570 credit score?
Your good to go, start working with a top notch lender now and they will get you in shape to purchase in 3-6 months. Do exactly what they say and you'll get a loan. Then work with a top ... more
0 votes Share Flag Sat Jul 18, 2015 Credit Score in 92256
Lesli Singer, Real Estate Pro in Fort Collins, CO
Lesli Singer answered:
I make very good money, and I'm also very good looking...What can I expect to make in payments, on a $700,00 ...
Good for you! Always happy to hear of extremely successful people. The principle and interest would be $3,341.91 over 30 years. Maybe you should consider buying a $350,000 house such as ... more
0 votes Share Flag Fri Mar 21, 2014 Home Buying in Loveland
Shannon Ande…, Real Estate Pro in San Diego, CA
Shannon Anderson answered:
Is it absolutely a requirement to put down 20%?
if you are asking about buying a home, the answer is no. If you are asking about buying and not having MI, then you should talk to a lender, but my understanding is yes.
0 votes Share Flag Fri Mar 22, 2013 Home Buying in San Diego
Jim Starwalt, Real Estate Pro in Grayslake, IL
Jim Starwalt answered:
As a new grad, I do no think I'd be approved for a mortgage yet, however, are there rent to own optio ...
Hi Jennzie,
Have you discussed your situation with a lender? Do you have a job secured? You may be surprised at the answers. If you have a solid job and good credit you may find someon ... more
0 votes Share Flag Tue May 28, 2013 Rentals in Arlington Heights
James and Ke…, Real Estate Pro in Bartlett, TN
James and Kenisha Martin answered:
I'm a 26 yr with a credit score of around 700 and a little over $17,000 in savings. I make about $32,000 a ...
Have you talked to a loan officer? I would talk to a loan officer at the place where you bank at first.
0 votes Share Flag Thu Nov 21, 2013 Home Buying in 38103
Jamie DeSimo…, Real Estate Pro in Fairfax, VA
Jamie DeSimone answered:
What is the deal with rental income and buying a new home?
Hi Shannon,

You may want to speak with a different lender. I know that they have tightened restrictions and in some cases you have to have enough income to qualify to pay both mortga ... more
0 votes Share Flag Sun May 5, 2013 Home Buying in 22204
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