Financing in 98101 : Advice

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Rhonda Porter, Real Estate Pro in Seattle, WA
Rhonda Porter answered:
Can we get HARP loan?
Hi Ballard Rental House,
You should be able to refinance a rental property using a HARP loan as long as your current mortgage was securitized by Fannie Mae or Freddie Mac prior to June ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Seattle
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Has anyone every heard of a Mortgage Broker asking their client, the buyer, to sign their 3 day right to cancel and send it back to them?
It sounds like you got used. Based on the information in this and your other post, It appears they closed your loan but something was wrong with it that made it ineligible for delivery ... more
0 votes Share Flag Mon Feb 25, 2013 Financing in 98117
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
brand new house construction loan
Vajjas1,
Construction loans are available, but the exact structure will depend on several factors. Last I knew there were loans that were strictly for construction and you would need ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Seattle
Neil Huck, Real Estate Pro in West Seattle, WA
Neil Huck answered:
Can I get an FHA loan for new construction loan in planned development. Price $400,000 and my income is $400,000 per year. Poor credit all debt paid.
Hi Lorrie. You may have to wait a bit longer due to the foreclosure. Typically 5-7 years depending on circumstances. You'll want to talk to a direct lender like Cobalt Mortgage (I can s ... more
0 votes Share Flag Thu Jun 13, 2013 Financing in Seattle
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Financing Options for International Couple
Camile,
Where do you want to buy? If you are living abroad and continuing to, you should seek lending options in the country you are in. US Banks primarily finance US properties, as ... more
0 votes Share Flag Tue Oct 30, 2012 Financing in Seattle
Dave Skow, Real Estate Pro in Seattle, WA
Dave Skow answered:
Where in WA state can I find a portfilio lender who doesn't underwrite to Fannie Mae and Freddie Mac guidelines?
What's the issue?

Wash federal maybe
0 votes Share Flag Fri Jan 17, 2014 Financing in Seattle
Dan Chapman, Real Estate Pro in Los Angeles, CA
Dan Chapman answered:
If my name was on the title (not on mortgage) of a home now going into foreclosure, can I get a mortgage? excellent credit.
Yes because you are not on the loan and have no liability to make payments to the lender as You did not borrow money. Now Washington is a community property state so consult a tax pro o ... more
0 votes Share Flag Mon Apr 29, 2013 Financing in Seattle
Marika Abuas…, Real Estate Pro in Bellevue, WA
Marika Abuashvili answered:
do you know of lenders who are working with someone who had a short sale aprox 2 yrs ago,?
Cobalt Mortgage, Oleg Tkach 425-478-7676. I have worked with him on a few transactions.
0 votes Share Flag Wed Feb 27, 2013 Financing in Seattle
Ray Akers, Real Estate Pro in Seattle, WA
Ray Akers answered:
Restricted stock can cannot count as income?
Your 'Stock Awards' sound like income, at least after the vesting date. How do you declare the stock on your federal income tax? Does Microsoft provide a written explanation of the St ... more
0 votes Share Flag Sat Apr 19, 2014 Financing in Seattle
Dave Skow, Real Estate Pro in Seattle, WA
Dave Skow answered:
Jumbo loan- 10% down?
1)washington federal fed will go 600K on 90% ltv ....with loan being self insured .....not quite the 720K you ask for ....they can at times bend to higher amounts

2) try the bank/ ... more
0 votes Share Flag Wed Jun 6, 2012 Financing in Seattle
Rhonda Porter, Real Estate Pro in Seattle, WA
Rhonda Porter answered:
Is it possible to get 450k FHA loan in Seattle with:3.5% down,$6425 monthly income,$0 debt,$10k accessible assets, credit score:734. DTI will be ok??
Sophie, Do you know how much your property taxes, home owners insurance and HOA dues will be (if any)? It looks like you're considering an FHA loan (3.5% down) which has a limit of $56 ... more
0 votes Share Flag Sun Jun 3, 2012 Financing in Seattle
Kary L. Kris…, Real Estate Pro in 98058
Kary L. Krismer answered:
Advice for being a Hard Money
You need to learn a lot, because there is the issue of prior security interests, IRS issues, future bankruptcy issues, perfection of security interest issues.

Probably better to hire ... more
0 votes Share Flag Thu Jun 21, 2012 Financing in Seattle
Tonya Brobeck, Real Estate Pro in Everett, WA
Tonya Brobeck answered:
Can I refi my curreng mortgage during my Chapter 13 Bankruptcy filing? I'm 10 months into my Chapter 13
Yes after 12 months you can refinance. You will need to get a copy of the full filing for the underwriter and the full schedule of all the payments.
0 votes Share Flag Mon Aug 26, 2013 Financing in Seattle
TERRY MCCARL…, Real Estate Pro in Cape Coral, FL
TERRY MCCARLEY answered:
do they pull credit day of home closing?
It has become the norm for most lenders to pull credit just prior to closing to make sure your financial situation has not changed. Buyers have lost their loans from running out and ch ... more
0 votes Share Flag Fri Nov 8, 2013 Financing in Seattle
Jeanmarie Tr…, Real Estate Pro in Mukilteo, WA
Jeanmarie Trapp answered:
Is it possible to get either a VA loan or regular mortgage with a 608 credit score and open collections?
Good Morning,
I am a realtor and not a lender. However, I will make a recommendation for a super lender, who has helped other clients of mine, with issues or potential issues. He can ... more
0 votes Share Flag Sat May 19, 2012 Financing in Seattle
Tonya Brobeck, Real Estate Pro in Everett, WA
Tonya Brobeck answered:
Do underwriter's need to see cancelled checks from gift donors?
Depending on the underwriting a gift letter and a copy of the check should be fine
0 votes Share Flag Mon Mar 19, 2012 Financing in Seattle
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
Can I get a foreign national loan for a property in Seattle? Currently live in Australia
We offer Foreign National Loans. There are guidelines we would need to go over though.

I would be happy to help you with your financing. Our company Residential Finance Corporation i ... more
0 votes Share Flag Wed Apr 2, 2014 Financing in Seattle
LockeMyLoan…, Real Estate Pro in Kirkland, WA
LockeMyLoan Team answered:
Loans for speculative development projects from $1M to $3M in the the Seattle area?
Hi Adrian,

Contact a few local banks and lender to ask around. The best thing to do is explore all of your options, and try searching on google for what you need.
0 votes Share Flag Fri Nov 8, 2013 Financing in Seattle
Craig Blackm…, Real Estate Pro in Seattle, WA
Craig Blackmon answered:
Have you had a particularly good experience with any loan officers / mortgage brokers?
Tom Goldsmith at Cobalt Mortgage is awesome. I've heard good things about other correspondent lenders too -- their model gives them the flexibility of a broker but you get to deal ... more
0 votes Share Flag Fri Sep 13, 2013 Financing in Seattle
Jirius Isaac, Real Estate Pro in Kenmore, WA
Jirius Isaac answered:
Looking to do FHA streamline refi to 5/1 ARM. Loan officer said we can go to fixed in 6 months but I think new rules prevent it?
I can check this out for you if you want. but I have a question. Why would you want to re-fi in 6 months. Getting a loan is expensive & unless you have a really good reason, once ... more
0 votes Share Flag Sun Sep 4, 2011 Financing in Seattle
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