Financing in 95124 : Real Estate Advice

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Terri Vellios, Real Estate Pro in Campbell, CA
Terri Vellios answered:
Are there still people choosing to finance they're home when they are capable of paying in cash?
In todays crazy multiple offer market, if Buyers have cash they either decide to go cash or elect to make up appraisal difference if financing.
0 votes Share Flag Sun Mar 31, 2013 Financing in San Jose
Thierry Abel, Real Estate Pro in Larkspur, CA
Thierry Abel answered:
Is there a penalty for paying off a mortgage early?
Not all mortgages have a pre-payment penalty period attached to them.
You might want to refer back to the Note associated with your loan. If there is a pre-payment penaly is should inc ... more
0 votes Share Flag Mon Apr 1, 2013 Financing in San Jose
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
HELOC qualification possible if I had switch jobs in the same industry and pretty much the same position and with only 3 weeks gap in employment?
Hi Sage Bear, as long as it's in the same industry then all lenders should be OK with this. A 3-week gap in employment isn't that big of a deal. We routinely help people with 1-2 mont ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in San Jose
Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
Can someone not on the title anymore be a co-signer on a HELOC for a property in good standing?
Hi Sage Bear,

Most banks and credit unions do not allow non-occupant co-borrowers on HELOC's. Credit unions tend to have more liberal underwriting guidelines for HELOC's, so I sugges ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in San Jose
Charles Lee, Other/Just Looking in 90069
Charles Lee answered:
Cash-out refinance, more than 4 properties (5 total).
We can do with Private funds but our rate and terms are a bit higher.
http://www.theboydcapitalgroups.info/
0 votes Share Flag Tue Dec 1, 2015 Financing in San Jose
Bill Phillips, Real Estate Pro in San Jose, CA
Bill Phillips answered:
Buying 2nd house & want to refinance the first house. Would the refinance cause issue when apply for mortgage on the 2nd house?
Hi Albert,

It is unlikely that a refinance to a lower payment, with no cash out, would cause any problems with your new purchase. It should acually help you to qualify. In today's ... more
0 votes Share Flag Wed Feb 13, 2013 Financing in 95138
charles butt…, Real Estate Pro in san jose, CA
charles butterfield answered:
refi after foreclose rental
Thank you for your question, Mr. Lee:

Unfortunately if you lost one rental property to foreclosure two years ago, in 2011, it will be very difficult to refinance your other rental p ... more
0 votes Share Flag Sat Jun 1, 2013 Financing in San Jose
Thierry Abel, Real Estate Pro in Larkspur, CA
Thierry Abel answered:
Does anyone knows a good commercial loan agent?
What kind of property is this?
0 votes Share Flag Mon Feb 4, 2013 Financing in San Jose
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Why the loan agency ask higher Loan-to-Value ratio for zero cost refinance ?
If you financed any of your closing costs your laon balance could be higher than you borrowed. You should ask your loan officer to explain why they are asking this. They should easily b ... more
0 votes Share Flag Sun Jan 13, 2013 Financing in San Jose
charles butt…, Real Estate Pro in san jose, CA
charles butterfield answered:
Is there a difference in mobile home and house loans? What is easier to get?
Thank you for your question:

In general, it is easier to get a loan to finance a single family house and the rates are lower.

A mobile home is generally personal property, like a ... more
0 votes Share Flag Sun Mar 1, 2015 Financing in 95101
Mitchell Pea…, Real Estate Pro in San Jose, CA
Mitchell Pearce answered:
how long does a bank loan officer have to respond to a loan request in the state of Maine? It has been 3 months and I have not heard a no or a yes.
bfshaboski:

If it is a request for a mortgage, federal rules state the bank has 3 days to respond once it has all information necessary to respond. If you provided all information t ... more
0 votes Share Flag Fri Oct 25, 2013 Financing in 95148
Jeff Hansen, Real Estate Pro in San Jose, CA
Jeff Hansen answered:
Refinancing a jumbo loan in Evergreen, San Jose. Need help.
I'm happy to do your refinance for you.

Jeff Hansen
TERA Capital Group
408-457-3009

We are a mortgage broker with access to several lenders. We may be able to do a no point, ... more
0 votes Share Flag Fri Nov 16, 2012 Financing in 95148
Sally Blaze, Real Estate Pro in Pleasanton, CA
Sally Blaze answered:
How often is there a disagreement on the results from a home appraisal?
Appraisers work independantly from lenders and realtors. To reach an assessed value on a home in escrow, an appraiser uses multiple tools for the evaluation. One of these tools is to ... more
0 votes Share Flag Mon Oct 29, 2012 Financing in San Jose
Carmelle Jea…, Real Estate Pro in Springfield, PA
Carmelle Jean-Paul answered:
Is there such a thing of no money down for first time buyers? Can I buy a house with less than 20%?
Yes, Definitely!! Programs such as FHA lets you purchase a home with as little as 3% down, and many people do not know that even with a conventional loan, it is not necessary to put 20% ... more
0 votes Share Flag Thu Apr 28, 2016 Financing in San Jose
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
What should a first-time home buyer do to secure the best interest rate possible on their loan?
Great question. There are some differences between lenders, but the differences aren't usually about rates. When referring to any given program, most rates are pretty darn similar.

T ... more
0 votes Share Flag Thu Nov 15, 2012 Financing in San Jose
Rich Homer, Real Estate Pro in NAPLES, FL
Rich Homer answered:
Any one doing a 85% LTV Refi?
You need to speak to a Mortgage Broker http://www.trulia.com/voices/directory/San_Jose-mortgage_broker_or_lender--33072
0 votes Share Flag Tue Mar 5, 2013 Financing in 95120
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
Can lender ask for tenants payment to buyer before close of escrow?
I assume you are saying that you are buying an investment property and you wish to use the rental income to qualify. It sounds like the lender is asking for for the signed lease agreeme ... more
0 votes Share Flag Thu Dec 25, 2014 Financing in 95117
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