Financing in Albany County : Advice

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Terry Farnsw…, Real Estate Pro in Crystal Lake, IL
Terry Farnsworth answered:
I am looking for an investment property renovation loan. Is the Fannie Mae homestyle renovation loan for investment properties still available?
Hi Eve,

Yes, this program is still available. The property has to be Fannie Mae owned, and also qualify/be eligible for the renovation loan program. You can't just apply for this t ... more
0 votes Share Flag Sat Dec 29, 2012 Financing in Albany
First Last, Other/Just Looking in 90002
First Last answered:
We have owned our home for 30 years. Both on the mortgage. My husband recently applied for refinance. I cannot. bad credit. We are in upstate NY.
I'm speculating as to why, but I do know for a fact that when they pull your husband's credit history, they pull yours as well on anything you own jointly. So I think they are ... more
0 votes Share Flag Tue Jan 3, 2012 Financing in Albany
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
if the house cost 199,000 and 7,500 sellers concession.how much i'm asking the bank for?
Much will depend on your downpayment--your agent and or loan officer can accurately answer your question.
0 votes Share Flag Wed Aug 11, 2010 Financing in Albany County
Chris Lefebv…, Real Estate Pro in Methuen, MA
Chris Lefebvre answered:
who will give me a mortgage with not great credit?
I recommend that you talk with several mortgage brokers about your situation and see what they can do for you. If you find them in the phone book or online, it is always a good idea to ... more
0 votes Share Flag Thu Apr 15, 2010 Financing in Albany County
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Looking for a Good Mortgage Broker in Albany, NY area
Matt, A good resource for this will be your local Realtor. We deal with various lenders all the time and have experience with good ones and bad.
Another alternative is to check out ... more
0 votes Share Flag Sat Sep 21, 2013 Financing in Albany County
Vassi Saviano, Real Estate Pro in Elk Grove Village, IL
Vassi Saviano answered:
Is it possible to get a mortgage with some underemployment in the past two years?
You should consult with a lender who can assess your personal financial profile. Did your freelancing and consulting work that was related to your line of work produce an income that w ... more
0 votes Share Flag Wed Mar 24, 2010 Financing in Albany County
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Is there a way to pay only 3% to 5% down payment and mortgage the rest for a 2nd home purchase? We live primarily in NY for now and want to buy in FL.
Right now, from what I've seen, 10% is the minimum down payment for second homes. Some lenders may require more down depending on the area you buy the property. If the property is ... more
0 votes Share Flag Wed Dec 30, 2009 Financing in Albany County
Carl Henker, Real Estate Pro in 95928
Carl Henker answered:
My in laws are on the mortgage with me because my husband has bad credit. His income pays most of the mortgage payment. I have heard there was
You may ad your husband to the loan during the refinance aand use your combined income, but you will also ad his credit file to the process. If his credit has not improved you may sti ... more
0 votes Share Flag Tue Jan 3, 2012 Financing in Albany County
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