Financing in California : Real Estate Advice

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Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Where can I get a 90% LTV home equity loan in Florida?
May want to try PNC Bank, they are going to 89.9%.
0 votes Share Flag Sun Jun 9, 2013 Financing in 90019
Vicki Moore, Real Estate Pro in San Carlos, CA
Vicki Moore answered:
Property tax / transfer tax for adding an owner during refinance... Daly City
Hi - Will your brother be on the loan as well?
0 votes Share Flag Wed Feb 20, 2013 Financing in Daly City
Charles Lee, Other/Just Looking in 90069
Charles Lee answered:
Does anybody know of a lender who will finance the purchase of a SFR when the buyer completed a short sale of their primary residence 2 years ago?
with 25% - 30% down.
http://www.theboydcapitalgroups.info/
0 votes Share Flag Tue Feb 26, 2013 Financing in 92395
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
Tim Moore, Real Estate Pro in Kitty Hawk, NC
Tim Moore answered:
where do you see the real estate market value in 3 yrs?
I see both being higher. Of course my crystal ball has been saying that since 2008 too. I think this time it might be correct.
0 votes Share Flag Tue Feb 19, 2013 Financing in 94505
Jan DeTomaso, Real Estate Pro in Bakersfield, CA
Jan DeTomaso answered:
We're going to buy soon and was wondering what type of loan to get...
Hi Gayle, You really need to talk to either a loan officer at your bank or a mortgage broker. There are a lot of different things that impact what type of loan is the best for you. ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in The Seasons
Kari Shea, Real Estate Pro in San Diego, CA
Kari Shea answered:
Home construction loans
Yes there are, we work in land and new construction for clients as well as traditional listings.

Here is the name of who I would call.

Mark Maughan, MRED
Construction Loan / Lot ... more
0 votes Share Flag Mon Feb 18, 2013 Financing in 92021
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
SERGEY FEDNOV…, Real Estate Pro in Beverly Hills, CA
SERGEY FEDNOV *** 424-777-9377 answered:
Is any of the deductible? HUD line 801=$4795. HUD line 802= -6776.25. HUD line 803= -1981.25 is line 801 deductible over the 30 year loan?
I think it's best to consult your Accountant regarding these possible tax deductions.
0 votes Share Flag Sun Feb 17, 2013 Financing in Los Angeles
John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
Lending on 1978 Mobile Home in Senior Park under 40k
If it's a rent/lease community you will have to find a chattel (personal property) lender that would be willing to lend on a MH that old. If you did find a lender you would be looking a ... more
0 votes Share Flag Sat Feb 16, 2013 Financing in Galt
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
Can someone below 55 buy a mobile home in a park for 55 ? Can we rent it and live in it becoz we are the seniors who are in need but cant afford.?
As long as one of you is 55+, you should be able to buy it and do as you wish with it subject tot he community restrictions....
0 votes Share Flag Sat Feb 16, 2013 Financing in Torrance
Charles Dail…, Real Estate Pro in Saint Paul, MN
Charles Dailey answered:
Is there an efficient way of getting a Condo complex FHA approved? I have done a few and it has taken 60/90 days to complete w/ 1k-2k in fees.
Steve if you're getting them done that fast, keep doing it that way.
0 votes Share Flag Fri Feb 15, 2013 Financing in Orange County
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Adjustments on rate lock confirmation from Lender
I can't comment on the price adjustments from the lender you are getting your mortgage from because you haven't said who that is.

However what you've been told coincides to the sta ... more
0 votes Share Flag Thu Feb 14, 2013 Financing in Los Angeles
Bernard Gibb…, Real Estate Pro in Danville, CA
Bernard Gibbons answered:
10% down in San Ramon
You sound well-qualified. Shoot me an email and I will refer you to a great mortgage specialist who can help you.

Bernard Gibbons
J Rockcliff Realtors
0 votes Share Flag Sat May 11, 2013 Financing in San Ramon
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
Thierry Abel, Real Estate Pro in Larkspur, CA
Thierry Abel answered:
Pre-approval for home loan with credit scores of 560 and 730?
There should be some areas of your credit report that can be fixed or improved. You might want to talk to your mortgage broker/lender and they should be able to lead you through it.
0 votes Share Flag Wed Feb 13, 2013 Financing in San Francisco
C. Lee Miller, Real Estate Pro in Rancho Palos Verdes,...
C. Lee Miller answered:
we are on ssi can we buy a cheap mobile home with low monthly payment?
Good morning Isabel,

As Sheryl has stated, you might be able to qualify for a mortgage, but the absolute fact is you need to discuss your situation specifics with a qualified loan ... more
0 votes Share Flag Wed Feb 13, 2013 Financing in Torrance
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
i have only one 1099 form. can i qualify for a loan? what to do? i need to buy a house..
Most likely not. You'll need a strong source of regular income to qualify for a loan sufficient to purchase a house. Your best strategy now is to save up to make a purchase with all c ... more
0 votes Share Flag Wed Feb 13, 2013 Financing in Monrovia
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