Financing in 93772 : Advice

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Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Does a streamline mortgaga allow "application fees" upfront plus closing costs?
You need to be more specific in your question. Generally, the only fees allowed to be collected up front are for a credit report; however, that pertains to pre-disclosure. After disclos ... more
0 votes Share Flag Mon Jun 24, 2013 Financing in Woodward Park
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
does private mortgage insurance increase on a new streamline loan? On a 240,000 30yr FHA I now pay 96.17/mo.
If your FHA mortgage was endorsed on or prior to May 31, 2009 then your mortgage insurance premium will stay about the same as it is now and your rate will be much lower. If your curren ... more
0 votes Share Flag Wed Oct 31, 2012 Financing in Woodward Park
Ted Canto -…, Real Estate Pro in Los Angeles County, CA
Ted Canto - The Mobile Mortgage Pro answered:
My adult daughter receives ssi. She lives with me and I am her legal guardian. Can I count her ssi as qualifying income for fha loan?
Yes you can so long it will continue for 3 yrs or more and make sure to document the legal guardianship and the 3 yr continuance.
0 votes Share Flag Wed Oct 31, 2012 Financing in Fresno
Felix Hung, Real Estate Pro in Irvine, CA
Felix Hung answered:
How do I find lenders that will consider a loan on a condo in a complex with less than 50% owned units?
Condobuyer, you should ask a loan officer. I don't know if that exists. I don't think so, but..your best bet is probably mortgage brokers who look for niche mortgage programs ... more
0 votes Share Flag Tue Dec 7, 2010 Financing in Fresno
David Martin, Real Estate Pro in Grand Rapids, MI
David Martin answered:
My mother is carrying a loan for a condo she sold years ago in California but has lost the contract papers. Would they be filed with a state office?
Chances are the only thing that is filed with the County Clerk is a Memoradum of Land Contract and not the full document.
The best place to check for the full document is at the ... more
0 votes Share Flag Sat Dec 4, 2010 Financing in 93727
Constantine…, Real Estate Pro in San Diego, CA
Constantine K. answered:
I've excellent credit & have enough for 5-10% downpayment on a multifamily. Everyone I have been asking says that I've to have at least
If you're looking to purchase a 1-4 unit property you should be good to go.
Call me and I can help you through it.
0 votes Share Flag Sat Nov 6, 2010 Financing in Fresno-High
John Villaes…, Real Estate Pro in California
John Villaescusa answered:
We dont qualify for a loan modification, we are behind 2 payments and home is underwater...what are our options?
Try negotiating with your bank because the last thing they want to do is foreclose on you. There are multiple loan modification programs that are available for your to use. Most of th ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in Fresno
Voices Member,  in
Voices Member answered:
Refinance or just pay additional money to your principal?
You need to first find out what rate you qualify for in the current market. Any monthly savings should be weighed against the cost of refinancing in order to find a break even point. ... more
0 votes Share Flag Fri Jul 24, 2009 Financing in 93727
Brad Maaske, Real Estate Pro in Fresno, CA
Brad Maaske answered:
I am married and the co-signer on our FHA mortgage but not on the deed. I am also a full time student but my
Because you are a co-signer with your husband on an FHA loan you would not be qualified to obtain a new
FHA loan. Is there enough equity to refinance the existing loan with a convent ... more
0 votes Share Flag Fri Oct 8, 2010 Financing in Fresno
Cindi Hagley, Real Estate Pro in San Ramon, CA
Cindi Hagley answered:
I am trying to re-fiancing my house, so I found a broker to start the work. She first ordered an appraisal
Actually, yes, you should have access to the appraisal. Is she licensed through the state? You can look up the license through the link below. I would start my contacting her manager if ... more
0 votes Share Flag Wed Jul 1, 2009 Financing in Fresno
Julie Rice T…, Real Estate Pro in San Mateo, CA
Julie Rice Thall answered:
Can someone receiving Social Security Benefits apply for an FHA loan and qualify?
Absolutely! And, since you do not pay taxes on your Social Security income, you get to gross up your SSI by 25% to qualify for the loan. Of course, as with all FHA loans, you will nee ... more
0 votes Share Flag Fri Jun 19, 2009 Financing in Fresno
Bob McClure-…, Real Estate Pro in Walled Lake, MI
Bob McClure- Real Estate Investing answered:
Why lender not accepting my loan application as a primary residence? Is this legal?
good afternoon.i don't believe the lender is trying to rip you off.....non-owner occpd pricing is this....write a letter, sign and date it regarding your intentions to move ... more
0 votes Share Flag Thu Jun 18, 2009 Financing in Fresno
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
I owe $80K on my house and its worth 110K. I have an equity line of credit for 37K. This means if I sell it
You would either do a short sale or come out of pocket to cover that $7,000. You will also have real estate commissions on top of that $7k unless you sell it yourself.
0 votes Share Flag Mon Jun 15, 2009 Financing in Fresno
Duggm1, Home Buyer in Fresno, CA
Duggm1 asked:
2nd home mortgage sold to Freddie Mac The IRS allows up to 14 days of rental incime each year for a vacation home without violating the 2nd home status (over 14 days can transform the vacation home to Investment property st...
0 votes Share Flag Thu May 14, 2009 Financing in Fresno
Jacob Varghe…, Real Estate Pro in San Jose, CA
Jacob Varghese answered:
Hi, I am about to start up a company (Inc.) which would be buying cheap real estate properties and rent
For lenders to give you financing you will have to show income coming in and that you/your company can make the regular mortgage payments. I can help you with your financing, but I wou ... more
0 votes Share Flag Mon Jun 27, 2011 Financing in Fresno
John Brown, Real Estate Pro in Overland Park, KS
John Brown answered:
anybody want to partner up with me?
Be careful about using a credit card for your down payment source. Fannie Mae and Freddie Mac set the rules in this industry and they do not allow "unsecured debt" as a source of down ... more
0 votes Share Flag Mon Oct 13, 2008 Financing in Fresno
Darren Miller, Real Estate Pro in CA (Licenced in 50 S...
Darren Miller answered:
I bought a house for 350k in 07/06 with loan @80/10/10 @5.875 on 1st and 7.0% on 2nd,value has decreased
Allie, your blended rate is 6.448% between your first and second mortgages. Depending on what your appraisal comes in at it may be a better option to refi. If you can put down enough mo ... more
0 votes Share Flag Wed Jul 1, 2009 Financing in 93720
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