Financing in 19154 : Advice

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Michael Gard…, Real Estate Pro in Center City West, Ph...
Michael Garden answered:
I am interested in a 203k streamline. What are the steps once approved? Would the assessment on repairs have to be made before an offer is made?
This is the best 203K lender working the city:

Mike McKeown
Senior Loan Officer
Allied Mortgage Group, Inc.
Phone: 609-206-1973
Fax: 202-521-9316
mike.mckeown@mindspring.com
... more
0 votes Share Flag Thu Oct 20, 2011 Financing in Philadelphia
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
How long from the purchase of a home does it take to qualify for a fha? Also can two non married people get a fha together?
I would think you have to qualify for FHA before you can purchase the house. Maybe you mean how long after you make the application and that is about 45-60 days under normal situations. ... more
0 votes Share Flag Mon Jan 9, 2012 Financing in Philadelphia
Dean Bendall, Real Estate Pro in 30214
Dean Bendall answered:
can i buy a foreclosed home or bid on a short sale with an fha loan?
Absolutely! I am typing the required 25 characters required to meet the Truila minmum.
0 votes Share Flag Mon Oct 24, 2011 Financing in Philadelphia
Charles Bald…, Real Estate Pro in 19103
Charles Balducci answered:
A home has one really small bathroom and no bathroom sink. Do you think this would meet FHA minimum property standards?
Hi George,

No, not a straight FHA. The home must be fully functional.

So perhaps an FHA-203k streamlined package would be approved, where the alteration includes a sink in the b ... more
0 votes Share Flag Mon Oct 24, 2011 Financing in Philadelphia
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
203k streamline in Philadelphia
If the 2nd mortgage was taken out more than 12 months ago, then refinancing and paying both mortgages off would be considered a "rate & term" refinance instead of a " ... more
0 votes Share Flag Tue Aug 23, 2011 Financing in Philadelphia
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
is it a good idea to buy a short sale house what is the down fall on it?
I would consider a very good idea:

there are basically two downfalls;
It will take a very long time to do, possibly a year or more, and
It will stress you out teriffically.

If y ... more
0 votes Share Flag Sun Apr 8, 2012 Financing in Philadelphia
Sally Grenier, Real Estate Pro in Erie, CO
Sally Grenier answered:
typical closing costs for a 260K home in Philadelphia?
Closing costs can run anywhere from 2%-3% of purchase price, depending on your loan fees, title insurance, pre-paid items for taxes & insurance, etc. BUT, you can often get the sel ... more
0 votes Share Flag Thu Jun 9, 2011 Financing in Philadelphia
Phong Lam, Real Estate Pro in Philadelphia, PA
Phong Lam answered:
Any lenders doing 203K loans?
Hi Lorri,

How are you? Thank you for your inquiry. We have a direct lender that we use that does 203K FHA loans. And there is this one Senior Loan officer that is especially speciali ... more
0 votes Share Flag Fri May 31, 2013 Financing in 19148
Julie Hankins, Real Estate Pro in Philadelphia, PA
Julie Hankins answered:
I have a lot in a good location in Philly and would like to finance and hold for a 9 mos. to a year, before developing.
Benjamin,

I know a couple different lenders that you can connect with that may be able to help you.
Call me at 267-528-0145.
0 votes Share Flag Thu Apr 14, 2011 Financing in Philadelphia
The_wza, Home Owner in Cobbs Creek, Philade...
The_wza asked:
0 votes Share Flag Wed Apr 13, 2011 Financing in SouthwestCedar Park
Bruce Lang, Real Estate Pro in Philadelphia, PA
Bruce Lang answered:
I am building a large triplex in U-City. Anyone know of commercial bank that will lend on residential multi's, with appraisal based more on?
try st edmonds, td bank, valley green bank and any west philly community banks....depending onthe type of housing you may qualify for a loan from HUD
0 votes Share Flag Tue Mar 29, 2011 Financing in Philadelphia
Community Mo…, Real Estate Pro in Philadelphia County,...
Community Mortgage Officer answered:
Can you recommend a lender that handles Va financing in 19138?
Yes.....I'm a loan officer with Citizens Bank and we do VA mortgages. Please contact me when you ready to start the process.
0 votes Share Flag Thu Jun 25, 2015 Financing in 19138
Hannah Angert, Real Estate Pro in Philadelphia, PA
Hannah Angert answered:
i am looking for a lender licensed in pennsylvania that can speak indonesian
Hi Bruce,

Jien Fung at Mercury can refer you to a selection of Indonesian-speakers in the business. I have a few lenders' names at my office, too. Email me and I'll get b ... more
0 votes Share Flag Mon Mar 14, 2011 Financing in Philadelphia
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
I need a mortgage and have bad credit and already know my credit score. Can I get a mortgage without signing up for one of those free credit scores?
Andrea,
There is no reason to sign up for one of those companies. First, you are entitled to a free copy of your credit report every year. If you are trying to track your score as i ... more
0 votes Share Flag Sat Apr 18, 2015 Financing in 19154
Kevin Tran, Real Estate Pro in Philadelphia, PA
Kevin Tran answered:
Are there stil hard money lenders willing to loan on single family investment property in Philadelphia. If so, what type of terms can I expect
Yes, I'm pretyy sure there're stil hard money lenders out there but the last 2.5 yrs, I haven't use any of them. Very tough criteria, high interest (@ 12%- 20%), and oft ... more
0 votes Share Flag Sat Dec 3, 2011 Financing in Philadelphia
Alan Openshaw, Real Estate Pro in Warminster, PA
Alan Openshaw answered:
I own property in Corp title...they are residential non owner occupied income property. They are in 30 yr fixed. Id like to do a rate and term ref.
Hello Bruce,

I believe TD Bank will do in LLC They also charge the same for investment as owner occ.
If you have no luck there give me a call.

Best Regards,
Alan Openshaw
Cor ... more
0 votes Share Flag Wed Dec 29, 2010 Financing in Philadelphia
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
I purchased a home in Sept. and paid for it with cash. I want to do a cash out refinance for $60,000. What would be the best way to do this.?
You need to contact a mortgage broker and submit a loan application APPLY for a loan with cash out options.

OR contact a local bank (small not national) if they would allow you borr ... more
0 votes Share Flag Tue Jan 3, 2012 Financing in 19124
Ed Fallon, M…, Real Estate Pro in West Chester, PA
Ed Fallon, MBA answered:
I am in the process of refinancing, and I would like to know how I can find the estimated value of my home after putting considerable equity into it?
Contact a real estate agent, or search Trulia to find homes close to and similar to your home.
0 votes Share Flag Mon Feb 7, 2011 Financing in Cobbs Creek
Lorri Paster, Real Estate Pro in Blue Bell, PA
Lorri Paster answered:
Self-employed attorney, opened my law firm 8 months ago, 806 FICO, 2007-09 W2s as employed attorney, able to put 25% down - can I get a mortgage?
Hi Elainech,

It sounds to me that you would qualify for a mortage, but if you'd be willing to speak with my financial loan officer she will be able to determine the answer quick ... more
0 votes Share Flag Tue Nov 23, 2010 Financing in Philadelphia
Matt Grace, Real Estate Pro in Philadelphia, PA
Matt Grace answered:
is it possible to refinance if our credit is poor? I need to lower my montthly payment for my mortgage in order to get myself out of debt. I am
You can try a Lease purchase program. That is were you sell your house to a investor and pay back it back in monthly rent installments. You have to be placed into a credit and budget pr ... more
0 votes Share Flag Fri Nov 5, 2010 Financing in Philadelphia
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