Financing in Atlanta : Advice

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Morgan Campb…, Real Estate Pro in Valdosta, GA
Morgan Campbell answered:
I am trying to get pre-qualified for a mortgage and was denied due the fact that I am on a 1099. I have been with the company for 8 years, but just
Hello Stephanie! I would love to help you pre-qualify for a mortgage. I will contact my underwriting team and see if there is anyway that we can work around this road block! Which loan ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in Atlanta
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Are there any lenders that provide regular homepath or homepath renovation financing in Georgia with loan amounts in the $30,000 to $50,000 range?
At Prospect Mortgage, we do not have a minimum loan amount, except for renovation mortgages. All Renovation Mortgages (including HomePath Renovation) do require a $50K minimum loan amou ... more
0 votes Share Flag Mon Dec 24, 2012 Financing in Atlanta
Fred Yancy,…, Real Estate Pro in Woodstock, GA
Fred Yancy, Broker answered:
Needs pre-approval letter today!
I have a lender who can work that fast. Give me a call and we will discuss!

Fred Yancy, Broker
Crye-Leike Realtors
(678) 799-4663
0 votes Share Flag Wed Jan 23, 2013 Financing in Atlanta
Michael Hamm…, Real Estate Pro in 30078
Michael Hammond answered:
I am a Canadian wishing to invest in Atlanta, GA. Does anyone know of a mortgage company that has experience with lending to foreign investors?
Having a Canadian son-in-law, Wally118, it's hard to think of you guys as foreign, but to try to answer, have you ever or do you currently bank with RBC? Please call, text or email if w ... more
0 votes Share Flag Fri Feb 21, 2014 Financing in Atlanta
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Questions about Fannie Mae Home Path for Investors
Hi Reginald,

1. At Prospect Mortgage, we do not have a minimum loan amount, except for renovation mortgages. All Renovation Mortgages do require a $50K minimum loan amount. While ot ... more
0 votes Share Flag Mon Nov 12, 2012 Financing in Atlanta
Sherrie Crow, Real Estate Pro in Decatur, GA
Sherrie Crow answered:
I want to refinance my current residence as an investment property and then purchase another home as my primary. Is this legal in Georgia?
Absolutely, Andrew!

You just need to be able to qualify for a mortgage for the new home. Your original home's mortgage will count as debt in the mortgage calculations. So it's just ... more
0 votes Share Flag Sat Nov 10, 2012 Financing in Atlanta
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
Do any lenders here work with the Fannie Mae delayed financing exception program (pages 220 –?
Yes, but that loan amount range will be more difficult. At Prospect Mortgage, we do not have a minimum loan amount, except for renovation mortgages. All Renovation Mortgages do require ... more
0 votes Share Flag Fri Feb 7, 2014 Financing in Atlanta
Brian Berman…, Real Estate Pro in Atlanta, GA
Brian Berman 678-564-1522 answered:
Am I getting a good deal on my FHA refinance mortgage? Can someone analyze this?
Based on the numbers you have above i dont think this is a good option - i can tell you if you have good credit your credit in part 2 should be abotu $7000 based on the very basic info ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in Atlanta
John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
Can i get a jumbo with 5-10% down with credit scores of 674-664-629 with tax liens as well but in payment plans since january.?
bmcfarland73,

Your situation seems challenging but you will not really know the answer until you have met with a local mortgage professional and discussed your situation with that pe ... more
0 votes Share Flag Tue Oct 9, 2012 Financing in Atlanta
Chip Morrison…, Real Estate Pro in Alpharetta, GA
Chip Morrison Sr answered:
Can you get a loan with 40% down and no credit history?
You need a private investor. I have one. Otherwise you will need to put more than 50% down stroke.
0 votes Share Flag Fri Oct 12, 2012 Financing in 30341
Brian White, Real Estate Pro in Atlanta, GA
Brian White answered:
if you close on a home in November how many months of taxes & insurance will I be expected to the table?
That question really needs to be answered by your lender. It depends upon how much of a cushion your lender requires and when the taxes on your new house are due. If they are due Jan ... more
0 votes Share Flag Thu Oct 11, 2012 Financing in 30306
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
What kind of down payment does one need to obtain a mortgage with no credit history?
No credit history? I'm sure you'll attract some interest here. But, as a practical matter, you're not going to get a conventional mortgage. You might consider looking for owner financin ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in Atlanta
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Need lender who can do loans for my international buyers?
I should be able to help you with that. First step, she'll need to create an LLC, Corp, or Trust if she doesn't already have one. Eventually, she'll want a trust and when ... more
0 votes Share Flag Wed Dec 18, 2013 Financing in Atlanta
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Home purchase with low or no downpayment
Do you have a relative who can gift you money? Just kidding.
Here's a little add on to John Burke's answer: 3% down for fannie mae home path loans. Upside: no Mortgage insur ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in Atlanta
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
85-90% LTV Jumbo Loan - Max DTI Other Questions
These are full doc loans. Typically, jumbo loans require at least 30% down, so Mortgage Insurance (MI) companies don't work with jumbo loans. PMI is the name of a MI company that i ... more
0 votes Share Flag Fri Nov 1, 2013 Financing in Atlanta
Vernon Appen…, Real Estate Pro in Marietta, GA
Vernon Appenzeller answered:
Jumbo loan with 10% down - rental income question
Sam....call me when you have a chance. Nothing is as it was back in the day. We're in a different universe now :) and need a clearer picture of what/when you're planning to do.

Verno ... more
0 votes Share Flag Sun Aug 12, 2012 Financing in Atlanta
Kim Jones-Zw…, Real Estate Pro in 30305
Kim Jones-Zweig answered:
What kind of rate can we expect for a primary residence loan?
There should be no reason why you wouldn't qualify with those credit scores. And as long as it's been two years since the bankruptcy and you've re-established your credit, your mortgag ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in Atlanta
David Moye, Real Estate Pro in New York, NY
David Moye answered:
Do you HAVE to get pre-qualed with their lender to offer on their property?
A prequal letter is not specific to one piece of property. It says that the bank will lend you money if certain criteria are met by the property. One prequal letter could work for 4 p ... more
0 votes Share Flag Sun Aug 12, 2012 Financing in Atlanta
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Are the Low Mortgage Rates Going to Hold Until the End of the Year?
From what we just heard about FHA, yes, the Interest Rates should remain stable thru 2012.

Add to that the coming election.

Good luck and may God bless
0 votes Share Flag Sat Jun 30, 2012 Financing in Atlanta
Kim Jones-Zw…, Real Estate Pro in 30305
Kim Jones-Zweig answered:
Is mid score of 651 enough to get a FHA or Conv mortgage ?
It sure is! Call me!


Warm regards,
Kim Jones
Senior Mortgage Banker
678.468.4046 24 x 7 Cell
770.822.2083 Office
678.518.6917 eFax
kdjones@brandmortgage.com ... more
0 votes Share Flag Sun Sep 29, 2013 Financing in Atlanta
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