Financing in Gilbert : Advice

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BParker, CPA*,  in Scottsdale, AZ
BParker, CPA* answered:
Financing cash-out wanted by non-resident (investor of property located in Phoenix, AZ)
Hi Gary:

Quoting a rate is not that easy. Before anyone can do so: What are your FICO scores? (Not those you get off the internet, but from a tri-merge mortgage credit report) What i ... more
0 votes Share Flag Sun Mar 24, 2013 Financing in 85296
June, Both Buyer and Seller in Phoenix, AZ
June answered:
FHA offset carry of rental
Call a few lenders and give them all the necessary infirmation.
0 votes Share Flag Sun Jan 13, 2013 Financing in 85298
Swee Ng, Real Estate Pro in Phoenix, AZ
Swee Ng answered:
Can you recommend a reputable Mortgage Lender for a HARP?
Ricky Khamis from Amerifirst Financial. (602) 758-7425
0 votes Share Flag Thu Sep 20, 2012 Financing in 85234
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
Trying to get a loan
You don't need a 640 for FHA financing. Some lenders have that as a minimum, but FHA is 580 with the minimum down payment of 3.5%. You can pay down balances and that should help your ... more
0 votes Share Flag Mon Jul 14, 2014 Financing in 85298
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
Financing question
Bottom line is you have a very incompetent loan officer. If your loan is declined then unless you have signed something waiving the financing contingency then you can get a refund of y ... more
0 votes Share Flag Wed Dec 28, 2011 Financing in Gilbert
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
Is the loan "5/1 ARM OVER 30 YEARS " THE SAME AS " a loan amortized over 30 years with a 5 years ballon ?" THANKS!
No, it's not the same..............the 5/1 loan is a fixed rate for 5 years, then adjusts yearly thereafter (from year 6 on)........and yes, it is amortized over 30 years
0 votes Share Flag Tue Nov 22, 2011 Financing in Chandler Ginning
Jeffrey Aust…,  in Phoenix, AZ
Jeffrey Austin answered:
Anyone can refer a mortgage broker offering loan for Canadian investors? (I want to buy a SFH for investment in AZ ASAP ) Thanks!
We work with many Canadian investors and second-home buyers. With the strictness of our lending institutions, I work recommend talking with a mortgage person you are familiar with in C ... more
0 votes Share Flag Mon Nov 21, 2011 Financing in Chandler Ginning
Todd Bookspan, Real Estate Pro in Phoenix, AZ
Todd Bookspan answered:
690 Credit Follow-On Questions Gilbert, AZ on Financing 2nd Home. 1. I have zero debt. 2. This own will be my own with no co-signers. 3. I would like

A gift from your parents is ok for your down payment on either a FHA or a conventional loan, so that is not a problem. I would recommend a conventional so that you can avoi ... more
0 votes Share Flag Thu Oct 13, 2011 Financing in Gilbert
Carlos Ramir…, Real Estate Pro in Mesa, AZ
Carlos Ramirez answered:
At 1% origination fee on a $220,000 refi, why are they charging me $3,325 origination? The math doesn't work. I have a conforming loan,
$3,325 is more than 1.5% the loan amount. It obviously doesn't add up. Have you asked your lender? I am sure they will gladly explain it to you, or correct it if there is a mist ... more
0 votes Share Flag Sun Oct 2, 2011 Financing in 85233
Brian Rocca, Real Estate Pro in Gilbert, AZ
Brian Rocca answered:
If i am married in the state of Arizona and i am trying to purchase my first home, do i HAVE to put my wife on the loan with me?
You do not have to put your wife on the loan with you as long as you can qualify for the loan on your own. I would look at both options or VA and FHA as there are some pros and cons f ... more
0 votes Share Flag Fri Jun 24, 2011 Financing in Gilbert
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
Are there any programs available for a First Time Homebuyer trying to do an FHA loan?
Steven -

There are minimum credit scores that FHA has established and minimum credit scores that individual lenders have established that may be higher than FHA's minimums. FHA ... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 85296
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Are there any lenders that will do a VA home loan with a 600 Middle score?
Yes there are lenders that go down to a 600 score (even lower) for VA financing, but equally as important as the credit score is what is on credit that is leading to the 600 score (vs. ... more
0 votes Share Flag Tue Jun 14, 2011 Financing in Gilbert
Rudy R. McDo…, Real Estate Pro in ,
Rudy R. McDowell answered:
Like to sell our home and move into a more spacious home that is better suited to our family. Currently upside down on our home loan. Any ideas?
Hi, Apollo Creed

If you're in a FHA mortgage, been current on your payments for the last 12 months, have paid down 25% of the original mortgage, and can document your need for a ... more
0 votes Share Flag Wed Jan 5, 2011 Financing in Gilbert
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
How can a Canadian get a loan in Arizona? Thanks
Hi Canadian,
The easy answer is apply for a mortgage in AZ. If you have good credit in Canada, it can be found. If this is going to be a personal residence you'll get better ra ... more
0 votes Share Flag Sun Jul 25, 2010 Financing in Chandler Ginning
Damien Rufus,  in Gilbert, AZ
Damien Rufus answered:
Real Estate Agents needing business partners in the Southeast Valley, AZ.

Do you currently have someone that you refer individuals to who cannot get approved for a home loan due to credit issues? If not, maybe I can help. Send me an email at damien ... more
0 votes Share Flag Tue Jan 26, 2010 Financing in Gilbert
Ron Beebe, Real Estate Pro in ,
Ron Beebe answered:
i have a neg am loan on my investment property which is upside down how do i refi this loan?
the HARP loan from the Government is not just for Owner Occupied Propereties! As of today with excellent credit you would be able to refianance up to 100% of the appraised value. Please ... more
0 votes Share Flag Wed Jan 13, 2010 Financing in Gilbert
Tammy Medigo…, Real Estate Pro in Mesa, AZ
Tammy Medigovich answered:
Extenuating circumstances and renting
Mike -

Your best option is to contact the Lender to get clarification. Ultimatley they make the final decision.

0 votes Share Flag Fri Sep 26, 2008 Financing in Gilbert, AZ
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