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Libardo Quin…,  in Newport Beach, CA
Libardo Quintero answered:
Down payment Assistance
Hi Erica,
Sorry, in today's market you must have some down payment. i know few programs that can help you.

Libardo Quintero
nmls 380933


www.kinecta.org/ ... more
0 votes Share Flag Tue Mar 19, 2013 Home Buying in Orange County
Melissa Reed, Real Estate Pro in ,
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
Broker Dave, Real Estate Pro in Orlando, FL
Broker Dave answered:
I would like to buy a home instead of renting but I don't have a down payment, how can i go about this? ...
Hello, based on your income their are programs that help with down payment assistance.

You can also use a realtor that offers a buyers rebate to help if you don't qualify for a ... more
0 votes Share Flag Tue Mar 26, 2013 Home Buying in Winter Park
rimo911, Home Buyer in Jersey City, NJ
rimo911 answered:
Can i get mortgage, if i have excellent credit but income is below average and if cosigner ready to sign..?
house price is below average but main concerned income may not qualify mortage credit is excellent

Can lender use co signer income and first person credit
0 votes Share Flag Mon Mar 18, 2013 Home Buying in 08820
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
Daniel, Other/Just Looking in Baton Rouge, LA
Daniel answered:
Does an FHA loan work along together with rural development? And would I qualify for a rural developme ...
Two different loans by 2 different divisions of the Federal Government,

FHA generally requires a down payment of 3.5%, and mandated mortgage insurance, no restriction as to where ... more
0 votes Share Flag Mon Mar 18, 2013 Home Buying in Houma
Tina Beasley, Real Estate Pro in ,
Tina Beasley answered:
I am trying to buy a home in Maryland (Baltimore Co). I thought I would be a 1st time home buyer but was told by someone I don't quality.
If you have never owned a home in Maryland, you get a credit on the recordation taxes as a first time buyer on your first purchase in the state. I am not sure why you are concerned abo ... more
0 votes Share Flag Thu Mar 21, 2013 Home Buying in 21234
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 year. What can I afford?
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
Adam Elkassar,  in Arlington, VA
Adam Elkassar answered:
Need advice - upside down!
Sorry to hear the circumstances your currently in. Like most of others that purchased home in late 2007 until 2009 market didn't help much to be able to resell when needed, No need for ... more
0 votes Share Flag Mon Mar 18, 2013 Foreclosure in Georgia
Phil Amodeo,…, Real Estate Pro in ,
Phil Amodeo, ABR, CRS, e-PRO answered:
Looking for a realtor who is well versed in first time homebuyers assistance programs. Zipcodes 76001,76002 and 76063.
I can help you with that. Those are areas I specialize in, living in 76002. My preferred lender is able to offer my clients loans with all of the assistance programs available through T ... more
0 votes Share Flag Wed Apr 3, 2013 Home Buying in Mansfield
Anton Tomaj, Real Estate Pro in Stamford, CT
Anton Tomaj answered:
Buying a home in Stamford, CT with an FHA pre approved loan.
Hi Ray, I would love to sit down with you and your wife and explain the whole home buying process. A-Z. When you applied for the FHA loan, the loan officer may have given you an est. of ... more
0 votes Share Flag Mon Mar 18, 2013 Home Buying in Stamford
Jim Penningt…, Real Estate Pro in Pensacoal, FL
Jim Pennington answered:
Question on behalf of an interested buyer in Pensacola, FL
Please remember that the list price is simply the asking price. Most sellers set a price above what they expect to sell for. Some are reasonably higher, others are unreasonably high. A ... more
0 votes Share Flag Thu Apr 4, 2013 Home Buying in Pensacola
Gina Glathar, Real Estate Pro in ,
Gina Glathar answered:
what does fha 203k mean to the buyer. is the house in bad shape. Thank you Virginia
Yes. FHA 203k loans are designated for houses that are damaged or sorely in need of rehabilitation. The loan covers not only the cost of the property but also the cost of necessary home ... more
0 votes Share Flag Fri Mar 15, 2013 Home Buying
michael beni…, Real Estate Pro in bradenton, FL
michael beninato answered:
Looking for good Mortgage rates with little down 10%?I am military and want to buy a home to move into when ...
Your in great shape there will be plenty of options here in the Sarasota area. When it comes to the money side of a deal I would introduce you to our in house mortgage person Ian McKenn ... more
0 votes Share Flag Fri Mar 15, 2013 Home Buying in Sarasota
charles 949.…, Real Estate Pro in Costa Mesa, CA
charles 949.232.0828 answered:
Mortgage options?

you pretty much summarized your options:
1. FHA w/ a 3% down but both upfront and ongoing MI
2. bigger down and a smaller MI ea mo

not enough down is a dilemma many face. ... more
0 votes Share Flag Fri Mar 15, 2013 Home Buying in Irvine
cwmani, Home Buyer in Ashburn, VA
cwmani answered:
I bought Broadlands TH for 530K in 2007.If I sell it now,I can get 460K(I owe bank 390K). I want to buy a 640K SF home in Brambleton. Rent or Sell TH?
Details for 2007 newly built TH:
2900 sq. feet (3 levels)
Backing the woods
custom painted
4 bedrooms (3 upper level and 1 in basement)
3.5 baths (2 full at upper level, 1 full in ... more
0 votes Share Flag Tue Aug 20, 2013 Home Selling in Ashburn
Eric Lee, Real Estate Pro in Ogden, UT
Eric Lee answered:
Is rolling your down payment into a second mortgage good or bad??
It depends on your situation. If you have the cash, it's good to pay it to avoid the higher rates mentioned in previous answers. If, however, you're light on cash and need to retain as ... more
0 votes Share Flag Thu Mar 14, 2013 Home Buying in 84054
Marlene Bien…, Real Estate Pro in Tallahassee, FL
Marlene Bienes-Realtor answered:
I am interested in buying a home in the country with a lot of space but I only h ... down payment. What or where do I start for help? ...
The first thing you need to do is hire a buyers agent a free service to u in order for your best real estate interest to be protected.
0 votes Share Flag Sun Aug 18, 2013 Home Buying in Thomasville
Melinda J. R…, Real Estate Pro in ,
Melinda J. Robison answered:
I have a 604 credit score, my fiancee is in the mid 500s. We both have jobs. Can We get financed on a mortgage?
I suggest that you call a loan officer and have a conversation with them. I am not a loan officer, however, I think those scores will be too low for a traditional lender. If one lende ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in 48336
Kim Gipson, Real Estate Pro in ,
Kim Gipson answered:
Looking for a construction loan between 6-700,000.my credit score is bad 575-607 . My co borrower has 720 a ...
Email me kim@realtyworldadams.com and I will send you info. I've had a construction loan in the past.
0 votes Share Flag Tue Aug 20, 2013 Home Buying in Lexington
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