Financing in Mobile : Real Estate Advice

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Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I am attempting to close a mortgage. 2010 and 2011 Tax transcript was requested from me. I had just recently filled 2010 because I did not believe
The form the lender asked you to complete was the IRS 4506t to verify that the IRS transcripts match up to the tax returns you've provided.

If you filed 2011's & 2012's, and they can ... more
0 votes Share Flag Mon Apr 25, 2016 Financing in USA
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
FHA May Waive Foreclosure, Short Sale, and Bankruptcy Waiting Periods
This was a rumor from an article written on Sept. 10th by Dan Green (link below) who doesn't cite the source of his information, and said it may be "within 75 days". It's now been over ... more
0 votes Share Flag Mon May 13, 2013 Financing in USA
Patrice Smith,  in Mobile County, AL
Patrice Smith answered:
Should I trust my LO if she tells me my credit score will be where it needs to be by the time the house is finish being built.?
Your fears are not unfounded. In order for her to issue a valid pre approval letter to your builder, it has to be based on your CURRENT credit status, not on what she thinks it will be ... more
0 votes Share Flag Mon Feb 18, 2013 Financing in USA
Ruth Carlson, Real Estate Pro in Mobile, AL
Ruth Carlson answered:
My husband and I had a conventional mortgage which was foreclosed in March 2012, (after 15 years). Can we qualify for a FHA loan?
Such a sad situation. But, you cannot qualify for a new loan yet. Following a foreclosure most banks will not lend funds for a period of 3+ years. The type of loan that was foreclos ... more
0 votes Share Flag Tue Oct 16, 2012 Financing in Park Place
Rodney Mason, Real Estate Pro in Atlanta, GA
Rodney Mason answered:
My husband and I had a conventional mortgage and it was foreclosed in March 2012. Can we qualify for a FHA loan?
No, that was only 6 months ago. FHA requires that at least 36 months must have elapsed from the Foreclosure Date.
0 votes Share Flag Thu Oct 4, 2012 Financing in Park Place
Charlie  Ply…, Real Estate Pro in Mobile, AL
Charlie Plyler answered:
how do VA loans work when buying a home for the first time?? and How does that effect your monthly payment?
If you qualify for a VA loan, you most likely would not need a down payment. There are a couple lenders in Mobile that do a good job with VA loans. Please feel free to contact me at 2 ... more
0 votes Share Flag Sun Aug 2, 2015 Financing in Mobile
Phil Rotondo, Real Estate Pro in Melbourne, FL
Phil Rotondo answered:
Has CDA come out with a rehab loan yet? I am in Baltimore if it matters.
0 votes Share Flag Wed Dec 14, 2011 Financing in USA
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I have a 607 credit score & would like to buy a home. Im renting but w/ rates this low a mortg pymt would be less than my rent. What are my?
It depends Denise, there are some lenders that say they will go to a 580 credit score on an FHA, but that only works if you meet the minimum scorecard. A credit score of 650 may not pa ... more
0 votes Share Flag Sat Nov 5, 2011 Financing in Mobile
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
This is more of a question for lenders - for a homebuyer with excellent credit, but ONLY social security as their income, will they likely be able to
It's possible if the homebuyer qualifies; therefore he needs to visit with any loan officer, after reviewing his overall financials, credit, debt, income, etc. a determination on q ... more
0 votes Share Flag Thu Sep 27, 2012 Financing in Mobile
George Raymo…, Real Estate Pro in Fort Worth, TX
George Raymondo answered:
We are officially under contract and I'm the happiest & most terrified yet. What can go wrong during the loan process? What didn't I?
There are several land mines waiting for a prospective home-buyers out there. But that's why you need to work with a skilled professional Real Estate Agent and Lender. It is our jo ... more
0 votes Share Flag Sun May 22, 2011 Financing in Mobile
Paladin Fund…,  in San Francisco County,...
Paladin Funding asked:
0 votes Share Flag Mon Feb 28, 2011 Financing in USA
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
If i am working but do not get a check stub or file taxes can i still get approved for a mortgage loan. The job is legal.
The only way to know is to meet with a local lender and explain your circumstances. Your situation sounds unusual as you describe it, so it really depends on the rest of the de ... more
0 votes Share Flag Tue Nov 2, 2010 Financing in Colonial Heights
Miastrouts,  in USAF Academy, CO
Miastrouts answered:
How to Search for a Campus apartments Philadelphia?
Just you can find their apartment from the classified ads in the newspaper, Internet, etc. The Best Campus apartments service in Philadelphia.
0 votes Share Flag Wed Oct 13, 2010 Financing in USA
Parrish Walk…, Real Estate Pro in Mobile, AL
Parrish Walker answered:
what are the current taxes on this house?
I'd be glad to tell you, but I can't see what house you're talking about! What is the address? You can email me directly if you'd prefer o ... more
0 votes Share Flag Sun Feb 6, 2011 Financing in 36695
Dallas Texas, Real Estate Pro in Dallas, TN
Dallas Texas answered:
Are collections a weighted score on credit reports?
I am a credit consultant for many across the country need review entire report, "snap shot" does not assist, many factors come into play.

Contact my office schedule a telephone con ... more
0 votes Share Flag Sun Jul 26, 2009 Financing in Mobile
Emily Medvec, Real Estate Pro in Santa Fe, NM
Emily Medvec answered:
Any insights into the take over of Fannie Mae and Freddie Mac by the Federal Government?
Take a look at the "After the Bailout" story online in Forbes for some clues as to what the impact may be on the housing market. If anything the weekend take over has allowed Fannie and ... more
0 votes Share Flag Sun Sep 7, 2008 Financing in USA, Mobile, AL
Paul Renton &…,  in Atlanta, GA
Paul Renton & Terri Schrews answered:
Best way to network with realtors and homeowners in KY, AL, GA, FL, MD, MN, MO, MI, IN, VA & WA?

post like you have here on Trulia, try also Active Rain. I and my Team would love to network with you. Give me a call or drop me an e-mail. Atlanta has a lot of movement in ... more
0 votes Share Flag Fri Sep 14, 2007 Financing in USA, Mobile, AL
Dawn Law,  in Bedford, NH
Dawn Law answered:
Are there any townhomes for rent in the Hudson/Nashua area? 3 bedrooms preferable
Hi Dan,
Yes, there are a lot for rent in Hudson and Nashua. I personally have a ot of experience in the Hudson area and could not believe how many townhomes/condexes etc are for sale ... more
0 votes Share Flag Tue Aug 21, 2007 Financing in USA, Mobile, AL
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