Financing in 10007 : Advice

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Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
I NEED TO KNOW ABOUT THE O DOWNPAYMENT
The 0 downpayment is the biggest contributor to people losing their houses recently!
Is that what you wanted to know?
Probably not.
How about; because of that statistic, there are ve ... more
0 votes Share Flag Sat Apr 21, 2012 Financing in New York
Janet M. Nat…, Real Estate Pro in Baldwin, NY
Janet M. Nation answered:
Can I use an offer letter as proof of income for a mortgage?
Absolutely not. You typically need to be working for a minimum of two years at the same job or at least in the same field if there is a break in employment. In addition to income, the ... more
0 votes Share Flag Fri Oct 4, 2013 Financing in New York
Armen Meschi…, Real Estate Pro in New York, NY
Armen Meschian answered:
I need a list of Portfolio Lenders in NYC that are willing to finance a Condo in a building that has more that has more than 50% sponsor-owned units.
If this is a scenario where it's a new development, where the sponsor is actively selling the sponsor units, then you will have a wider reach of lenders. If the sponsor is holding on to ... more
0 votes Share Flag Tue Apr 17, 2012 Financing in New York
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Can I get a mortgage if I am an independent contractor and took a year off work to travel last year?
Independent contractors can get loans, if they could not there would be a lot of Realtors homeless. It all comes down to IRS returns, income, debt and credit. I would say you have a goo ... more
0 votes Share Flag Fri Sep 14, 2012 Financing in New York
Mitchell Hall, Real Estate Pro in New York, NY
Mitchell Hall answered:
Looking for mortgage for a co-op, self-employed
Hi Carly

I know several mortgage brokers, bankers and direct lenders that may be able to help you. Send me an email or call me so I can give you the names. Being self-employed may be ... more
0 votes Share Flag Sat Oct 5, 2013 Financing in New York
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
where are there Free Mortgage seminars in NYC ? Theresa NYC
Check with your loan officer, check with the larger banks, also see links for possible helpful information....
http://www.us.hsbc.com/1/2/3/personal/home-loans/mortgage/fyi/home-buyin ... more
0 votes Share Flag Fri Feb 24, 2012 Financing in New York
Jenet Levy, Real Estate Pro in 10012
Jenet Levy answered:
Thank you everyone that has answered my question BUT I don't need a mortgage broker , I need a Portfolio Lender.
I do, but I am not comfortable posting/advertising other people's services. If you want to email me at jlevy@halstead.com and refer to this Trulia post/answer, I can put you in to ... more
0 votes Share Flag Mon Feb 13, 2012 Financing in New York
Mark Fisher-…, Real Estate Pro in New York, NY
Mark Fisher-Mortg Lender answered:
I am looking for refinancing of a Condo in New York City but my Condo building is 48 % renters. Can a Portfolio Lender help me?
Portfolio lenders don't have to follow the same guidelines as non-portfolio lenders that sell loans on the secondary market so I'm sure there is a portfolio lender out there t ... more
0 votes Share Flag Mon Feb 13, 2012 Financing in New York
Rocco Guercio, Real Estate Pro in Staten Island, NY
Rocco Guercio answered:
Looking for a mortgage to purchase a condo in UES Manhattan as an investment property
Hi,

I am a Licensed NY Loan Officer with Equity Loans. We are a direct mortgage lender and I would be able to assist you further. Please contact me directly to discuss your options ... more
0 votes Share Flag Tue Jan 31, 2012 Financing in New York
Jolie Muss, Real Estate Pro in Upper West Side, New...
Jolie Muss answered:
Banks that will refinance a non-owner occupied co-op in NYC
Mickey,
I'm not sure about how your situation would pan out, as it is unusual to be able to rent out a co-op for such a long time (condos usually no problem) but I can definitely ... more
0 votes Share Flag Tue Jan 31, 2012 Financing in 10016
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
how soon after buying a home can you refinance the mortgage?
It depends on the lender primarily but you could potentially start a refinance the day after you close. Your current servicer may not do it immediately but someone else will.

Why ar ... more
0 votes Share Flag Wed Dec 14, 2011 Financing in 10031
TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
4 years ago my friend sign my mortgage loan for me. Now he wants out . I was told that if I do a quick claim now ,I will be able to refinance ?
Quit claim to who? Is the property in your name or his? If it is in your name a quit claim to him would put the property in his name. Do you have a written mortgage agreement? Your ... more
0 votes Share Flag Wed Dec 14, 2011 Financing in New York
Jennifer Chi…, Real Estate Pro in New York, NY
Jennifer Chiongbian- 917-250-2284 answered:
What formulas, both common and uncommon, are used by lenders to determine the degree of safety when making a loan?
Your FICO scores, the mid-Fico in particular will be used to determine your risk factor, and which tier rate you will granted if you have the ability to secure financing.

You can lea ... more
0 votes Share Flag Mon Dec 12, 2011 Financing in New York
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
Short sale help and loan
Hi Lexafur,

Since the bank's appraisal is higher than the approved price, this is a positive for you. As long as YOU qualify for the loan (i.e. credit scored, income, etc.), yo ... more
0 votes Share Flag Fri Nov 11, 2011 Financing in New York
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
I'm looking at getting a mortgage for a co-op selling at 500,000--are credit scores of 771,771 and 742 adequate?
If you are currently not working with an agent, consider the idea; each co-op building/board is different when it comes to financial requirements, credit is just one aspect of qualifica ... more
0 votes Share Flag Fri Nov 11, 2011 Financing in 10002
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Buying a home with a VA loan. Why are owners and brokers skeptical of funding?
Understand, there was a time, not very long ago, when there was no such thing as a VA Loan.
Even now, a lot of lenders do not do VA.
VA has the No-Down feature which is really importa ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in New York
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Mortgage for Investment property
I'm sure there are many lenders who could help finance investment properties, including me. Is there anything particularly tricky about the situation?
0 votes Share Flag Thu Sep 27, 2012 Financing in New York
Jenet Levy, Real Estate Pro in 10012
Jenet Levy answered:
Canadian citizen looking for mortgage and living in Dubai. Could you refer me any bank or company?
Rahul,
Yes, I do have a mortgage broker who does fund foreign real estate transactions. A colleague has used them multiple times on their sales and they have come through where HSBS ha ... more
0 votes Share Flag Tue Oct 18, 2011 Financing in New York
Elena Ravich…, Real Estate Pro in 10019
Elena Ravich Manhattan Expert answered:
What programs or tax breaks are available to a Veteran who wants to buy a NYC coop?Or a condo?
In general, a qualified Veteran can get a 15% assessed value reduction on Coop & Condo apartments with a maximum of 24,300. If served in a combat zone - it is additional 10% reduct ... more
0 votes Share Flag Tue Oct 11, 2011 Financing in New York
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