Financing in 77043 : Advice

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Nadine Cius, Real Estate Pro in Harris County, TX
Nadine Cius answered:
Can you refinance from a FHA loan to a TX Land Board loan?
The Texas Veteran Land Board does not provide refinance loans. If you have an existing loan on your home, you cannot use it to lower your interest rate. It can only be used to obtai ... more
0 votes Share Flag Tue Sep 7, 2010 Financing in Houston
Andrew & Ele…, Real Estate Pro in Naples, FL
Andrew & Elena Ollick answered:
Wait is the down payment for a VA loan? Is there any? Can you write it all into the loan?
VA is a 100% loan, everything can be put on top of the loan , including the funding fees and the closing costs ( as long as you allowed for seller concessions in the purchase contract)
... more
0 votes Share Flag Wed Sep 8, 2010 Financing in Houston
Faith Floyd, Real Estate Pro in Houston, TX
Faith Floyd answered:
Any lenders doing Texas refinances on clients who own more than 12 properties? My client wants to refinance 2 of his Texas properties.
Try Keith Ward with Cornerstone if he can't he can point you in the right direction
0 votes Share Flag Tue Sep 7, 2010 Financing in Houston
John Mondello, Real Estate Pro in Prairieville, LA
John Mondello answered:
How to get ex-husband off the mortgage loan if my credit score isn't good enough to re-finance?
Do you remember whjch title company you closed with? I would check with the closing attorney to see what is the best way to proceed. This is definitely more of a legal question. Good l ... more
0 votes Share Flag Mon Jul 26, 2010 Financing in Houston
Brad, Real Estate Pro in 77058
Brad answered:
I have a credit score of 563 and would like to buy a condo in the G alleria area (already picked out) I work in Afghanistan is there anyone out there
This may be a difficult task. Bank of America has a loan program that goes below 620 FICO and you would need to talk with them directly to see if you qualify.

If BofA is unable to h ... more
0 votes Share Flag Tue Jul 20, 2010 Financing in Houston
Apurva Sangh…, Real Estate Pro in Houston, TX
Apurva Sanghavi answered:
Scores 662-717. Salary $80 k. How hard to get a mortgage, how much could I possibly get, what would the payments be and how much cash would I need?
Hi Murph, You shouldnt have any major issues getting approved, i would say a home in the range of 120-150k would be a good range for you to look for. If you have any further questions ... more
0 votes Share Flag Thu Jun 17, 2010 Financing in Houston
Scott Butcher, Real Estate Pro in Austin, TX
Scott Butcher answered:
Are there any lenders in Texas allowing up to 95% CLTV on a jumbo (80/15/5)?
Velshirley,

Not to my knowledge. Typically, JUMBO's won't go over 80% LTV.

The best I've seen is up to 90% LTV (up to $500K) on a credit score over 750, without ... more
0 votes Share Flag Sun Nov 7, 2010 Financing in Houston
Lew Corcoran, Real Estate Pro in Easton, MA
Lew Corcoran answered:
Can I qualify for a Home Path or USDA Loan with a 550 Fico score and 5% down in Houston TX area?
No. Lenders typically require borrowers to have a minimum mid-credit score of 620 if you are putting at least 20% down, and a mid-credit score of 660 if you're putting less than 20 ... more
0 votes Share Flag Tue Jul 20, 2010 Financing in Houston Suburban Heights
Linda S. Cef…, Real Estate Pro in Oak Creek, WI
Linda S. Cefalu answered:
we have two loans on our home. How can we get one loan on our home?
Contact your lender. In a better economy one way would be to refinance into one loan. However, depending on the amount of equity, debt to income ratio, credit scores, employment history ... more
0 votes Share Flag Tue Jul 20, 2010 Financing in Houston
Grace Morioka…, Real Estate Pro in Sunnyvale, CA
Grace Morioka (408-426-1616) answered:
-I'm been trying to buy land to build on just found out that he has a lend on the land. It's near a sick parent and I wanted to be close.
Hello Kathleen and thanks for your post.

What you are referring to is a "lien" and it is a form of encumbrance or 'cloud' on title that prevents the property from ... more
0 votes Share Flag Wed Mar 31, 2010 Financing in 77083
Gerard Dunn, Real Estate Pro in Potomac, MD
Gerard Dunn answered:
My credit score is at 580, but i have the capital to make a 25% down payment on an 80000 dollar home. are there any lenders that will give me a loan?
You are going to have a tough time finding a loan. Not impossible - but your fees and interest rate will be higher to account for the increased risk.

You are better off meeting with ... more
0 votes Share Flag Wed Jul 31, 2013 Financing in Houston
Texas Banker, Real Estate Pro in Houston, TX
Texas Banker answered:
How much equity is needed to refinance the investment property? I am living in CA, and try to refinace my investment property in Dallas TX.
20% for an investment property.

Let me know if you need further help/
0 votes Share Flag Wed Mar 24, 2010 Financing in Houston
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
My fico is 620, I make around 98,000 and have monthly bills of around 1300 not counting rent. Can I get a home loan?
Lenders seem to have a minimum 620 credit score requirement. You would just squeak in. I would ask a lender near you what you might do to increase it be a few points. That might be done ... more
0 votes Share Flag Sun Mar 28, 2010 Financing in Houston
Rick Grau, Real Estate Pro in Houston, TX
Rick Grau answered:
Can i get a better deal through a lender if im getting a new home loan and a re-finance on another home?
Joe, I answered this on your other post but now with more info (knowing that they're both not loans for you personally) then yes, you could get a better deal from a broker because ... more
0 votes Share Flag Wed Mar 17, 2010 Financing in Houston
Rick Grau, Real Estate Pro in Houston, TX
Rick Grau answered:
Can i get a package deal on a re finance and a new home motrgage?
Not from a wholesale lender itself but a broker such as I would be willing to give you quotes on both deals with a savings to you because of two deals. Keep in mind, though, unless you ... more
0 votes Share Flag Tue Mar 23, 2010 Financing in 77087
Terry Enright…, Real Estate Pro in 47960
Terry Enright Whitaker answered:
how do i get a loan to by a lot or land to build my own home?
You would need to choose a lender and ask them about a construction loan. Once your house is built you can roll it in to a mortgage.
0 votes Share Flag Tue Jul 20, 2010 Financing in 77083
Patricia McC…, Real Estate Pro in 75218
Patricia McCrite answered:
how do i get a loan to by a lot or land to build my own home?
What do you mean by build my own home? Do you mean - find a lot, get a builder, and build? or do you mean physically you want to manually build your own home?

The best bet would be t ... more
0 votes Share Flag Fri Mar 12, 2010 Financing in 77083
George Lodge, Real Estate Pro in 22101
George Lodge answered:
I'm interested in buying a house for about $120k, I have a good credit score and can pay 20% down (or even more if that will help) plus closing
If you have a w-2 you should be fine. Also, you will need a copy of your last 2 paychecks a 2 months bank statements
0 votes Share Flag Sat Mar 13, 2010 Financing in Houston
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