Financing in 92620 : Advice

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charles lee, Real Estate Pro in Irvine, CA
charles lee answered:
Condo with HOA litigation
tough! most lenders req condo certification which involves a list of questions on litigation, rental vs owner-occupied ratio, delinquency, etc. only a handful of lenders don't ask for ... more
0 votes Share Flag Tue Dec 17, 2013 Financing in Irvine
Felix Hung, Real Estate Pro in Irvine, CA
Felix Hung answered:
Docs out, buyers native language is Mandarin, escrow doesn't have a Mandarin speaking notary, anyone know of a Mandarin speaking Notary in Irvine.
John, call central escrow and they could help refer you a mandarin speaking notary.
0 votes Share Flag Thu Jan 17, 2013 Financing in Irvine
Patrick Fiel…, Real Estate Pro in Dallas, TX
Patrick Fields answered:
I am looking for brokers who would like a place to send their turn downs when they are unable to approve a clients loan request.
Hi Matt,

Please send more information. I am always interested in alternatives for clients who have challenges qualifying for more traditional loan options. In fact, this seems to oc ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Irvine
Ted Canto -…, Real Estate Pro in Los Angeles County, CA
Ted Canto - The Mobile Mortgage Pro answered:
I am looking for stated income loan, 60% LTV, subject property IRVINE, CA FICO OVER 700, BEING IN BUSINESS OVER 16 YEARS SELF-EMPLOYED
Hi Maggie.. I may have a program. I recommend sending me a private message and I will forward the information to you.
0 votes Share Flag Thu Jul 25, 2013 Financing in Irvine
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Does anyone do stated income mortages anymore?
Yes with at least 40% down and FICO over 720.
0 votes Share Flag Thu Jun 6, 2013 Financing in Irvine Center
Michelle Lyn…, Real Estate Pro in 90638
Michelle Lynch answered:
Who will help me to resolve my High Balance loan? I have 1st and 2nd FRM. 1st balance is 576K and 2nd balance is 72K?
I have a wonderful mortgage broker in the area that I can refer you to. My telephone number is (714) 732-7575.
0 votes Share Flag Sat Jan 19, 2013 Financing in Irvine
Jeffry Lopez, Real Estate Pro in Orange County, CA
Jeffry Lopez answered:
Is anyone doing 75% ARV Hard Money loans in California?? It is an REO with no rehab. I need anything close to $692k.
I will email you,,,, I just want to be clear on what your looking for, however you said ARV,,, has work already been done?
Looks like your just looking for a Hard money Loan to 75% to ... more
0 votes Share Flag Thu May 22, 2014 Financing in 92602
Bob Phillips…, Real Estate Pro in Coto de Caza, CA
Bob Phillips - (949) 887-5305 answered:
We're thinking about buying a house in Mesa Verde in Costa Mesa. We need to get pre-approved and Wells Fargo and a small company called Alpine
One thing that you didn't clarify is this. Does the listing agent of the property you are targeting tell you that you must be pre-approved by either or both of those sources? If ... more
0 votes Share Flag Tue Nov 9, 2010 Financing in Irvine
Thomas Martin…, Real Estate Pro in Fort Lauderdale, FL
Thomas Martin 954-667-9110 answered:
what does "Exception" mean after my mortgage broker run the loan application?
WIth a 720 you should deffinelty qualify for a home loan as long as your DTI, Debt to income ratio is not to high. Mortgage lenders determine your capacity to repay the mortgage loan by ... more
0 votes Share Flag Sun Nov 15, 2009 Financing in 92618
Kyle, Real Estate Pro in Scottsdale, AZ
Kyle answered:
How to get a mortgage for foreign income?
Do you have US taxes but income is from abroad? Are youa US citizen...Please clarify what you mean specifically. .
0 votes Share Flag Fri Mar 26, 2010 Financing in Irvine
Gary Gukassi…, Real Estate Pro in Pasadena, CA
Gary Gukassian answered:
If my parents refinance their home to get my name on the title, does that qualify me for the $8000 tax credit?
Hi Mcavallo2010,

The $8,000 tax credit does not apply when a property is being transferred from parent to child. Adding your name on the title will not entitle you to the tax credit ... more
0 votes Share Flag Wed Aug 5, 2009 Financing in 92620
Bob Phillips…, Real Estate Pro in Coto de Caza, CA
Bob Phillips - (949) 887-5305 answered:
Anyone have any experience (good or bad) with Trust One Mortgage bankers?
Elemento, I responded to your other post, with this information. My preferred lender can easily and inexpensively do the refinance you are looking for. I have linked his website below ... more
0 votes Share Flag Sat Apr 18, 2009 Financing in Irvine
Ron Wright, Real Estate Pro in San Diego County, CA
Ron Wright answered:
Has anyone had any success with doing an FHA streamline refinance?
Hi Elemento,

I am a direct lender here in Southern California and handle FHA loans for purchase or refinance. Many banks do not arrange FHA loans so it is no surprise that you have h ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in 92618
Thom Colby 8…, Real Estate Pro in Irvine, CA
Thom Colby 888-391-5245 answered:
Can my interst rate be lowered before I sign my loan doc? Please advise!!!
Since there is no actual loan as yet you could not do a "Loan Modification" that is typically for people who are struggling to make their current mortgage payments.

I suspect your ra ... more
0 votes Share Flag Tue Dec 16, 2008 Financing in Irvine
Dave Osborne, Real Estate Pro in 92867
Dave Osborne answered:
jumbo conforming loans
Per my mortgage broker, today's rate for a 5/1 LIBOR, Jumbo Conforming mortgage is 5.375%, 5.875% on a 30 year fixed rate. Your mileage may vary.

At least it looks like they are f ... more
0 votes Share Flag Tue May 13, 2008 Financing in Irvine, CA
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