Financing in Huntington Beach : Advice

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Alex Vargas, Real Estate Pro in Lake Forest, CA
Alex Vargas answered:
Can you comment on choosing credit union for mortgage lender rather than a large bank?
Morning Chul Lee,

I too belong to a Credit Union and I do enjoy the personal service I receive.
Regarding the mortgage side, Credit Unions do have some niche products & programs ... more
0 votes Share Flag Mon Sep 23, 2013 Financing in Huntington Beach
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
I want to buy a house for $180000 and I have 16k saved up is it enough for down payment and closing costs
There are other factors besides downpayment that determine mortgage qualification, such as income, credit, debt, etc.; therefore you really need to visit with any loan officer(s); be aw ... more
0 votes Share Flag Thu Jul 25, 2013 Financing in Huntington Beach
Rian Muleback, Real Estate Pro in Portland, OR
Rian Muleback answered:
FHA requires signed bylaws for my condo complex to be approved. Board of Directors won't sign them. What can I do?
If the current Board of Directors won't sign them, is there a way to go with another HOA? If not, will the bylaws even be legally recorded if they are not signed by the Board? I ... more
0 votes Share Flag Thu Oct 17, 2013 Financing in 92649
Spirit Messi…, Real Estate Pro in 85716
Spirit Messingham answered:
I want to get a reverse mortgage. The board of directors do not want to get FHA approval. Is there anything I can do?
You need to talk with a lender. Start with your bank if you dont know any lenders or mortgage brokers in town.
0 votes Share Flag Tue May 14, 2013 Financing in Huntington Beach
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can I signoff my escrow documents in absent?
First of all it is not a good idea to purchase anything sight unseen. It is a further bad idea by signing final papers making it yours without a final walkthrough by you, or a buyers ag ... more
0 votes Share Flag Thu Aug 5, 2010 Financing in Huntington Beach
Patrick Thies…, Real Estate Pro in Elmhurst, IL
Patrick Thies SFR, CNC answered:
Earnest money / loan
If you remove your loan confirmation then yes, the seller could be entitled to part or all of your earnest money. By removing the loan confirmation contingency you are giving up any pr ... more
0 votes Share Flag Tue Jun 8, 2010 Financing in Huntington Beach
Vivian Young, Real Estate Pro in Huntington Beach, CA
Vivian Young answered:
I know things have changed alot , but are there still no doc or really easy to qualify loans available at
Dear Bill:

Call Wells Fargo Bank, Bank of America or any other direct lender for an accurate mortgage quote based on your income, assets, debt to income ratio and current verified cr ... more
0 votes Share Flag Thu Jul 2, 2009 Financing in 92648
Bob Phillips…, Real Estate Pro in Coto de Caza, CA
Bob Phillips - (949) 887-5305 answered:
FHA loan 3.5% downpayment. Are there also closing cost that must come out of pocket?
Hi Karen,
According to my preferred lender, the entire 3.5% down payment can be a gift from a relative or friend, and all the closing costs can be paid by another party - other than ... more
0 votes Share Flag Wed Jul 16, 2014 Financing in Huntington Beach
Flaaash, Home Buyer in 91006
Flaaash answered:
I'd like a $2 million, 125% loan to value, Liar Loan. I have an 800 Fico. Can somebody get this for me?
Jim, would you like that in large bills? LOL, I like your sense of humor... It's a bad question, but a reality check none the less.
0 votes Share Flag Wed Sep 12, 2012 Financing in 92648
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