Financing in Jacksonville : Advice

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Marc R Camer…, Real Estate Pro in Jacksonville, FL
Marc R Cameron answered:
We own a lot with mobile home and would like to build a house on our lot. Any lenders in Jacksonville fl that make these loans? Cal
Its called a construction to perm loan usually the will do it with 65-85 LTV. Atlantic Coast Bank has a Program.You can call me and I will explain better.Marc Cameron 904-566-2864.
0 votes Share Flag Tue Mar 29, 2011 Financing in Jacksonville
Corey Buck M…, Real Estate Pro in Jacksonville, FL
Corey Buck Mann answered:
Looking to buy an apartment on my own. working for the city (low income); found some nice apartments for $60k, what do I need to be able to purchase
One of the things I would look into first is the options that are available to you with down payment assistance. If you qualify for the City's H2H Program, you may be able to expa ... more
0 votes Share Flag Thu May 5, 2011 Financing in Jacksonville
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Do banks have to uphold a good faith estimate of a certain interest rate once you choose them over another bank once the loan application has started?
Fye,
The term, "Good Faith Estimate" contains the word "Estimate." Until you submit a complete file and lock your rate for a specific time, things can and do chan ... more
0 votes Share Flag Thu Apr 28, 2011 Financing in 32256
Richard Brig…, Real Estate Pro in Jacksonville, FL
Richard Briggs answered:
can you get an fha loan to fund new construction in draw payments as construction phases are finished?
Yes FHA does have a construction/perm loan product for Modular Homes. Nationwide Modular Homes has a Banking arm that offers that loan product and does it in draws.Call Frank Marro @ 35 ... more
0 votes Share Flag Tue Nov 23, 2010 Financing in 32256
Karen Delozi…, Real Estate Pro in Jacksonville, FL
Karen Delozier answered:
Are there any lenders in Jacksonville that offer 203K loans or renovation loans OTHER than Wells Fargo, PrimeLending or Gibralter?
Honestly, I've checked around and the lenders I've contacted so far refer me back to Wells Fargo as having the training and the system to make the 203K loans work quickly and ... more
0 votes Share Flag Tue Aug 5, 2014 Financing in Jacksonville
Kmbrennan, Real Estate Pro in Florida
Kmbrennan answered:
Buying 3rd invt property and would like to know of a lender in Jax, FL who accepts lease agreements as proof of rental income instead of tax returns.
Mary Anne,
if you have a 2yr + history of income as a profitable landlord ( 2008 and 2009 schedule E) and can show reciept of a deposit check, a lender should be able to use 75% of the ... more
0 votes Share Flag Wed Nov 3, 2010 Financing in Jacksonville
Caroline York…, Real Estate Pro in 33701
Caroline York Mortell answered:
Do lenders still require PMI for a loan with less than 20% down for 2nd or 3rd etc time home buyers who have always paid well and are low credit risk?
Yes. It has nothing to do with the buyer's track record. This mortgage insurance is to protect the lender.
0 votes Share Flag Fri Aug 6, 2010 Financing in 32257
Matt Carroll, Real Estate Pro in Jacksonville, FL
Matt Carroll answered:
Is it possible to get an 80/15/5 piggyback mortgage to purchase $500,000 single family home in Jacksonville, Florida? Our DTI is under the limits and
Rjmaxey,
I would suggest speaking with a Lender directly to discuss what options may be available to you. If you would like the name and number of a reputable lender in the jack ... more
0 votes Share Flag Thu Jun 10, 2010 Financing in Jacksonville
Jerry Sachs, Real Estate Pro in Jacksonville, FL
Jerry Sachs answered:
I am looking to purchase a home in Jacksonville, fl, my credit is not that perfect, so am looking for owners financing. Would i be able to find a?
Crystal,

It is certainly possible to find what you have indicated. In most cases for an owner to hold the financing they are looking for a decent down payment. I have a great deal ... more
0 votes Share Flag Wed Jun 16, 2010 Financing in Jacksonville
Sharon Alters…, Real Estate Pro in Fleming Island, FL
Sharon Alters (904) 673-2308 answered:
I am looking for a lender in Jacksonville who has experience with the following.....
Ashley, I would recommend Tom Reber at Wells Fargo. If he cannot help you, he will recommend an excellent person.

Recently, we have had problems with three separate transactions whe ... more
0 votes Share Flag Mon Mar 22, 2010 Financing in Jacksonville
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
If a lender has given me a pre-approval letter, is it possible that they will not actually approve me for a loan once I find a home?
The problem is that guidelines change all the time, so there is no way of telling. If you have very high credit scores, and a low debt-to-income ratio, it is likely that no guideline ch ... more
0 votes Share Flag Tue Jan 3, 2012 Financing in Jacksonville
Lynn Brier-De…, Real Estate Pro in Jacksonville, FL
Lynn Brier-De La Cruz answered:
Do most new home builders accept FHA financing? I have been pre-approved for an FHA loan and would really love to have a new home built. Possible?
Good evening Ashley,

You'd want to check with a lender on this. If you're taking out a construction to perm loan, it may not be likely that you can use FHA. I have a coup ... more
0 votes Share Flag Thu Mar 25, 2010 Financing in Jacksonville
Hannah, Real Estate Pro in Corte Madera, CA
Hannah answered:
FHA Loan After Chapter 7 Bankruptcy....experience with this?
Hi Ashley,

With a 620 credit score you can qualify for a new mortgage. Understand that this mortgage product is not the best mortgage product out there. In fact, mortgages do not e ... more
0 votes Share Flag Sun Jun 30, 2013 Financing in Jacksonville
Dubin13, Real Estate Pro in Bethesda, MD
Dubin13 answered:
Who has the best commercial hard money programs?
Blue Water Funding takes care of both Residential Investment Properties and Commercial Properties.

Brian
301-656-6566
0 votes Share Flag Wed Mar 31, 2010 Financing in Jacksonville
Kathy Weber…, Real Estate Pro in Temecula, CA
Kathy Weber (951) 551-7587 answered:
With 20% down and a credit score over 700, can I get a loan on a condo w/in an association that is not on the FHA/VA approved list?
James,

The answer would be "yes".

Get a preapproval prior to putting in your offer.

Make sure the appraisal will come in at what the market value for the appraiser wi ... more
0 votes Share Flag Sun Jan 17, 2010 Financing in Jacksonville
Core Realty…, Real Estate Pro in 32216
Core Realty LLC/Ryan Courson answered:
is the esplanade at the towncenter approved for FHA financing? and is the il villagio approved also?
Dear James, Ill Villagio is not, Esplanade is more than likely not either, to find out which condos are FHA/VA approved visit this website: https://entp.hud.gov/idapp/html/condlook.cfm
0 votes Share Flag Sat Jan 16, 2010 Financing in Jacksonville
Sam Matsui, Real Estate Pro in 11435
Sam Matsui answered:
can i get a loan with poor credit?
good morning,

poor credit can be repaired, all depends what issues you have..... please have in mind lenders will look more at your income than your credit ratings in today's ma ... more
0 votes Share Flag Mon Jan 19, 2015 Financing in 32259
Carl Ashton, Other/Just Looking in Boca Raton, FL
Carl Ashton answered:
How can you earn a high rate of return secured by real estate?
I would take a look at foreclosures and review all of the 100K and very slightly above to 110K above that sold in the market in 2005-2006 for 4 times that amount, or arround $ 400000.00 ... more
0 votes Share Flag Sat Jan 16, 2010 Financing in Jacksonville
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
Can you get an FHA loan for a new construction?We live in Jacksonville, FL and we are trying to get a
http://www.trulia.com/voices/Financing/Can_you_get_an_FHA_loan_for_a_new_construction_-181458

In case you dont check the other thread



Sean Dawes
0 votes Share Flag Fri Nov 27, 2009 Financing in Jacksonville
Ron Beebe, Real Estate Pro in Downingtown, PA
Ron Beebe answered:
Can you get an FHA loan for a new construction?
Yes, FHA lends in Florida on new construction. What is the situation with your current lot (paid for or liens against it) and will a builder perform the construction out-of-pocket and a ... more
0 votes Share Flag Thu Jan 3, 2013 Financing in 32256
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