Financing in 92507 : Advice

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John Bender, Real Estate Pro in Corona, CA
John Bender answered:
After a short sale from 2 years ago I am now getting denied for loans and consolidations. How long before I can get approved?
Can't really answer your questions based on the information you've provided. We would need to know WHY you're getting denied. You can check this link guidelines on min. required season ... more
0 votes Share Flag Tue Apr 16, 2013 Financing in Riverside
Brad Yzermans, Real Estate Pro in Temecula, CA
Brad Yzermans answered:
Hi, I am seeing a lot of conflicting information.
I'm not real sure how long a Died in Lieu stays o credit....probably at least 7 to 10 like all the other major derogs.

FHA will require a 3 year waiting period to purchase again ... more
0 votes Share Flag Tue Jun 5, 2012 Financing in Riverside
Gerard J. Ca…, Real Estate Pro in Spring Hill, FL
Gerard J. Carney answered:
loan value 384,000 - appraisal 170,000 - monthly 3,400 can ANYONE in the entire USofA refi for under 2,000 a month NATION WIDE ANYONE???????
No not if your tax escrow is in that number, you are right on target!
0 votes Share Flag Thu Aug 15, 2013 Financing in 92506
Brian Rayl, Real Estate Pro in Frisco, TX
Brian Rayl answered:
looking to get down payment assistance with nshp or nsp. credit is 585 due but at 350k,000 my dti would be 32% front end/no back end
If you have the ability, offer to repay the past due debt in full in exchange for an agreement to have the hit to your credit report removed. That would be a first step that I would tak ... more
0 votes Share Flag Fri Aug 5, 2011 Financing in Riverside
Tracey Martin, Real Estate Pro in Salinas, CA
Tracey Martin answered:
Can they file judgements and liens against my house if my son lives there.?
You need legal advice. It doesn't sound right to me. If you can't afford an Attorney, look for free legal services in your area. As far as the tax lien goes, you may be able t ... more
0 votes Share Flag Wed Jan 19, 2011 Financing in Riverside
Alma Rose Kee…, Real Estate Pro in 33626
Alma Rose Kee PA answered:
RE: HAMP Loan Mods: Everything signed under "penalty of Perjury". What happens if we fudge a bit on info. Do we go to jail????
Perjury is a Federal Felony and you can go to jail for up to 7 years. Is it worth it?
0 votes Share Flag Fri Mar 19, 2010 Financing in Riverside
Diane Wheatl…, Real Estate Pro in Rancho Cucamonga, CA
Diane Wheatley, Broker answered:
Our 2nd Mortgage and equity lines of credit were "written off"by the bank. If we sell, do we owe the money?
Yes, I'm afraid you do. Your 2nd mortgage still remains a secured debt and they can come after you one day far, far away when equities are at a level that it would make sense for ... more
0 votes Share Flag Sat Mar 13, 2010 Financing in Riverside
Brian LeBars, Real Estate Pro in Pleasanton, CA
Brian LeBars answered:
Is anyone lending for Inland Empire?
As I am not familiar with the specific development what I would ask is the owner occupancy of the project. Most lender will want to see owner occupancy over 51% do do a conventional loa ... more
0 votes Share Flag Fri Mar 19, 2010 Financing in Riverside
Jane Grant, Real Estate Pro in Temecula, CA
Jane Grant answered:
What are the chances of getting a VA home loan approved on a Short Sale?
Do you mean a VA offer? It depends, where are you looking. It sometimes takes a bit of effort but if you write your offer a certain way then it will increase your chances!

*****
... more
0 votes Share Flag Sat Aug 24, 2013 Financing in Riverside
David Marquez, Real Estate Pro in Temecula, CA
David Marquez answered:
WHAT ARE THE STEPS TO REFINANCE TO LOWER MY MORTGAGE PAYMENTS? NOW THAT THE HOUSE VALUE IS LOWER.
Ider,

You should be able to Refinance your home as long as there is equity on your home.
Interest rates are still great right now so it would be a good time to make your move.
I ca ... more
0 votes Share Flag Wed Feb 17, 2010 Financing in Riverside
Forefront Re…, Real Estate Pro in Ontario, CA
Forefront Real Estate answered:
looking owner financing, I have around 8 to 10,000 for down payment?.....
Hi Jose,
That amount will be a sufficient down payment for an FHA purchase price of $287,000. And today, FHA released more on the $8,000, first time buyer tax credit. It can be used f ... more
0 votes Share Flag Fri May 29, 2009 Financing in Riverside
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
Hi. My wife purchased a house in 2006. The home, the deed, and the 2 mortgages are all in her name only. We
That was a smart move to just put your wife on the loan:) FHA does count your wifes debt against your debt-to-income ratio, but they are NOT supposed to use her credit rating to deny y ... more
0 votes Share Flag Sun Mar 15, 2009 Financing in Riverside
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
I lost my job 3 days after moving in my new home. I have been unemployed for 3 months now with no relief
The bank can stop foreclosure process at anytime keep working with bank, they truly dont want have your home. GOOD LUCK sorry to hear all. Maybe if you start making payments although y ... more
0 votes Share Flag Thu Dec 18, 2008 Financing in 92503
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
Is it legal to demand buyer to be pre-approved by sellers lender? Even when aleady pre-approved by my lender?
Hi,

Most bank owned properties on the market require buyers to be pre-approved with their lender. They are trying to limit fallout as I've heard many of their escrows fail b/c the b ... more
0 votes Share Flag Fri Aug 3, 2012 Financing in Riverside
Luke Allison, Real Estate Pro in Asheville, NC
Luke Allison answered:
What happens when an interest only mortgage has to be redone and value is less than owed?
You probably should consider an FHA loan on the refi - whether it be no or then. FHA will only cosider the LTV of the first mortgage as long as the second mortgage holder is willing to ... more
0 votes Share Flag Mon Sep 22, 2008 Financing in Riverside, CA
Jeremiah, Real Estate Pro in Newport Beach, CA
Jeremiah answered:
Is there anyone doing 65-70% ARV investor purchase money in Inland Empire?
I can do it if you are getting a decent deal and have the liquidity to deal with anythign unforseen. I require 20% cash or cross on the purchase price. Let me know and I can give you ... more
0 votes Share Flag Fri May 8, 2015 Financing in 92509
Shel-lee Dav…, Real Estate Pro in 90274
Shel-lee Davis - BRE #01817412 answered:
How hard is it to get a loan to build an extension to a home...?
Michael:

Often it is better to negotiate both the construction lending and purchase portion of your lending package at the same time. I work with a wonderful loan officer at Wells F ... more
0 votes Share Flag Sat Jul 12, 2008 Financing in Riverside, CA
Michael Robe…, Real Estate Pro in 95124
Michael Roberts (408) 505-5614 answered:
How can a buyer make an informed offer on a property when the interest rates are changing so dramatically.?
Tom, A rate contingency is something unusual. If your offer is made on a CAR form you could limit the interest rate in the financing terms to one you are agreeable to. Most listi ... more
0 votes Share Flag Tue Jan 29, 2013 Financing in La Sierra
Tisza Major-…, Real Estate Pro in Claremont, CA
Tisza Major-Posner answered:
how long does a short sale stay on your credit & what options do you have for a 2nd home during the process??
Hi Glenda,

One of the requirements for a short sale to be considered is that the homeowner be unable to meet their loan commitment in any way. This will need to be demonstrated with ... more
0 votes Share Flag Mon Aug 20, 2012 Financing in Riverside
Michael Robe…, Real Estate Pro in 95124
Michael Roberts (408) 505-5614 answered:
I am looking for a loan officer to help me out with calhfa loans,CHAP and CHDAP?
Hi Tracey, I would suggest a highly recognized Loan Broker. I am going to put forward a referral for you and recommend that you search out the Yelp.com testimonials too.

http://map ... more
0 votes Share Flag Wed Jan 12, 2011 Financing in Riverside
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