Financing in 92108 : Advice

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Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Hi, I applied for housing loan to buy a property,and now my question is can I buy that property in my spouse name?she is a home maker .
Does your spouse have an income? There are a lot of factors that go into qualifying for a mortgage, one is income. Another is the amount of debt that person carries as compared to th ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
Theresa Mack, Real Estate Pro in 92131
Theresa Mack answered:
How long does pre-approval last when trying to find a home?
It all depends on the lender but in my experience 60-90 days is pretty common.

If you'd like the a recommendation for some lenders who have great rates and closing costs feel free to ... more
0 votes Share Flag Sat Mar 23, 2013 Financing in Rancho Bernardo
Wayne L. Bro…, Real Estate Pro in San Diego, CA
Wayne L. Brown answered:
Is it legal in California for a broker to be the buyer's agent and also the mortgage broker in the same transaction.?
In most cases, Yes, as long as it is disclosed. However, if you are doing an FHA loan, it is prohibited by HUD.

That said, some lenders frown on this, and as their own policy may no ... more
0 votes Share Flag Sat Mar 29, 2014 Financing in San Diego
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Excess closing cost money question in California (purchase)
You should ask your loan officer how much it is to lower the rate 1/8th. You can always use it to buy the rate down. You may also be able to have it applied as a principal curtailment i ... more
0 votes Share Flag Thu Mar 21, 2013 Financing in San Diego
Thierry Abel, Real Estate Pro in California
Thierry Abel answered:
Can you negotiate with your lender?
Negotiating with us is "Accepted"
0 votes Share Flag Wed Feb 6, 2013 Financing in San Diego
Fred Glick, Real Estate Pro in Los Angeles, CA
Fred Glick answered:
Names of lenders that deal with unconventional lending or portfolio loans?
Depends on details. Email me fred@usloans.com
0 votes Share Flag Fri Apr 18, 2014 Financing in 92101
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
Are there any drawbacks to refinancing if you can guarantee a better rate?
Trulia, if you're looking for a CMBS loan for your company, then you should definitely look into refinancing. Rates are down 60-80 bps this year. While rate locks are expensive, you c ... more
0 votes Share Flag Thu Nov 29, 2012 Financing in San Diego
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
KIndly check oustanding mortgages for 11530 Hawkeye Way San Diego California
I'm not sure what you are asking for and for what reason...Is this your property? Are you thinking of buying it? Please contact me directly and I would be glad to give you what you nee ... more
0 votes Share Flag Wed Nov 28, 2012 Financing in San Diego
Royce Kemp, Real Estate Pro in San Diego, CA
Royce Kemp answered:
I had a short sale 12 months. I was not current on my payments.. It looks like I have to wait 3 year for another loan? Are there any other options?
My advice is to first check your credit report to see how much damage was done! If your score is still good, then you shouldn't have a problem. I had a client who had a foreclosure abou ... more
0 votes Share Flag Tue Apr 16, 2013 Financing in San Diego
Michael Ibra…, Real Estate Pro in Diamond Bar, CA
Michael Ibrahim NMLS #284912 answered:
informations about foreign national loan, 50% down for investments
I do Foreign national loan with only 35% down payments!!!
0 votes Share Flag Tue Nov 20, 2012 Financing in San Diego
Hector Gaste…, Real Estate Pro in San Diego, CA
Hector Gastelum answered:
How long does it take to be approved for a loan?
No, I used to be a lender a few years ago, if you give a complete package it will be underwritten quicker than the ones that provide incomplete loan packages. Final underwritten approv ... more
0 votes Share Flag Tue Nov 20, 2012 Financing in San Diego
Maria Weiss, Real Estate Pro in Del Mar, CA
Maria Weiss answered:
Do you have to be pre-qualified when starting the process of buying a home?
Yes! In today's market, it is very important to have that pre-qaulified letter when submitting an offer. We are seeing multiple offer on properties and if you want your offer to be se ... more
0 votes Share Flag Tue Nov 20, 2012 Financing in San Diego
Hector Gaste…, Real Estate Pro in San Diego, CA
Hector Gastelum answered:
What should a first-time home buyer do to secure the best interest rate possible on their loan?
Many so called experts say to visit 3-5, but it hurts your credit to have 3-5 credit inquiries. I recently met with Union Bank and I have the right representative for you, their program ... more
0 votes Share Flag Sat Oct 27, 2012 Financing in San Diego
Linda Chu, Real Estate Pro in Millbrae, CA
Linda Chu answered:
Portfolio lender needed!
I may have a lender for you. Their limit is 20 owned properties.
0 votes Share Flag Wed Oct 17, 2012 Financing in San Diego
Mark and Kari…, Real Estate Pro in San Diego, CA
Mark and Kari Shea answered:
I am refinancing my home for 3.125% 15 yrs fixed; the appraisal is done but I did not sign any document; i found a banker who would offer 2.875%
Hi,

They may be able to charge certain fees as you must have signed something to get the process started. Ask the lender you are with to match it and see what they say.

Best of l ... more
0 votes Share Flag Mon Jan 21, 2013 Financing in 92130
Rich Homer, Real Estate Pro in 34108
Rich Homer answered:
What lender has the best rate on a 30 year fixed refi?
Best to look for a local Mortgage Broker under "Find a Pro in the header of this website. http://www.NaplesRealEstateGuys.com
0 votes Share Flag Mon Jan 21, 2013 Financing in 92126
Hector Gaste…, Real Estate Pro in San Diego, CA
Hector Gastelum answered:
Need a conventional loan on a vacation condo for a foreign national in San Diego.
hi John,

I believe my lending team can help, conventional will not touch it, but there is portfolio money available at decent rates

Hector R. Gastelum
Realty Executives Dillon
R ... more
0 votes Share Flag Sat Sep 22, 2012 Financing in 92109
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Have you had success with HARP? I meet criteria but my servicer does not participate, suggested I shop lenders, from what I gather everyone is denied
Everyone is not denied. I do a large number of HARP refinances and the vast majority are approved. Some lenders have overlays, but you can find some who do not. Depending on if it's Fan ... more
0 votes Share Flag Wed Jul 25, 2012 Financing in San Diego
Dominique Wi…, Real Estate Pro in Clovis, CA
Dominique Wilder answered:
I need a lender who can lend on a condo with the owner occupancy below 50%. Buyer is buying it for his daughter and will be placing 20-25% down.
Hi. Is buying it as an investment property where the daughter is going to live I might be able to help. But he must be classified as an investor and pay taxes accordingly. We do busi ... more
0 votes Share Flag Thu Oct 25, 2012 Financing in San Diego
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
what kind of salary/income should you have to afford buying a villa in the caribbean?
Really? What price range are you looking for & which country will this villa be located?
0 votes Share Flag Sat Jul 7, 2012 Financing in San Diego
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