Financing in Monmouth County : Real Estate Advice

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Camille  Mar…, Real Estate Pro in Millstone, NJ
Camille Marotta answered:
i want to build instead of buying -- how do i go about this these days ( cheaper to build i see especially in my area )
Victor. Residential Home funding offers a great one time construction close loan that is backed by FHA. What that meas to you is that you can purchase a piece of property, build on it ... more
0 votes Share Flag Tue Sep 24, 2013 Financing in 07763
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
what is the current rate for investment properties. i know it's required to put 35% down on a 3rd property
Not always, it depends on teh buyers credit, financials and type of property. I have had investment buyers who have put as little as 20% down. You should ask a local andtrusted loan off ... more
0 votes Share Flag Wed Aug 22, 2012 Financing in Morganville
Camille  Mar…, Real Estate Pro in Millstone, NJ
Camille Marotta answered:
Found a MAJOR error in our appraisal, we are paying mortgage insurance because of it. What do I do?
ERICH,

I would contact the mortgage company that did the refinance first. If they are not willing to accomodate your request you should contact the department of Banking and Insuran ... more
0 votes Share Flag Sat Sep 7, 2013 Financing in 07747
Deborah Madey, Real Estate Pro in Brick, NJ
Deborah Madey answered:
My mortgage was sold many times over the years, how can i find out who my first lender was? Does the life insurance policy follow the mortgage sales?
Your original note probably appears online. Monmouth County has an Open Public Records System. You can search recorded mortgages there.

http://oprs.co.monmouth.nj.us/oprs/clerk/C ... more
0 votes Share Flag Thu Jul 5, 2012 Financing in 07733
Marsha Bowen…, Real Estate Pro in Livingston, NJ
Marsha Bowen Washington answered:
Can a mortgage with LPMI be refinanced under HARP 2? If not what is an option for an underwater mortgage to take advantage of lower interest rates?
Greetings Ordonez,

It's very possible that your mortgage could qualify for a refinance under HARP2. If I were you, I would contact your current lender to see if they are partic ... more
0 votes Share Flag Sat Jan 14, 2012 Financing in 07726
Patrick Fiel…, Real Estate Pro in Plano, TX
Patrick Fields answered:
What is the difference between a bank approved short sale and a non bank approved short sale?
Hello Cwinke,

The difference is simply timing. This means that a bank approved SS has already been reviewed and agreed to by the owner and the bank/lien holder.

A SS that is not ... more
0 votes Share Flag Wed Feb 20, 2013 Financing in 07728
William Troy, Real Estate Pro in Toms River, NJ
William Troy answered:
Hello, My name is Lorenzo. My, Wife and I are looking too buy a piece of land and hopefully build a modular home on it. How do I go about doing so?
Hi Lorenzo, how are you? I have a few pieces of land for sale we can discuss. Shoot me an email when you can and I will send the info. You can purchase a short sale, depending on the li ... more
0 votes Share Flag Wed Dec 7, 2011 Financing in Manalapan
Roger Roberge, Real Estate Pro in Springfield, MA
Roger Roberge answered:
I own a home in Ocean Grove NJ. The deed and mortgage are solely in my name, although I am married. I would like to refinance at these great rates..
A power of attorney (POA) could bestow your attorney with the ability to execute documents on your husband's behalf. However the last time I checked, lenders want your physical si ... more
0 votes Share Flag Sat Apr 19, 2014 Financing in 07756
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Can you use a line of credit against your current home to buy a new one?
Anna,
You would likely qualify for a new mortgage against the new home. Rates on purchase loans are typically lower than on cash out refinances. I would just plan on setting up a ne ... more
0 votes Share Flag Sat Oct 29, 2011 Financing in Manalapan
Sally Grenier, Real Estate Pro in Longmont, CO
Sally Grenier answered:
Would you accept 37,000 & the owner comes up with all the closing costs. Do you accept F.H.A. loans on this property.
Richard, you're posting a question in the Q&A section of this website, and are not contacting the listing agent directly. Plus, there is no property referenced in your questio ... more
0 votes Share Flag Fri Nov 9, 2012 Financing in Eatontown
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
how much down payment ona fh a jumbo loan?
Monmouth County, NJ's FHA loan limit is being reduced to $625,500 from $729,750 come October 1st, so as long as your income qualifies, then either way you won't be required to ... more
0 votes Share Flag Sun Aug 21, 2011 Financing in 07712
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
Can I refiance my mortgage if I have a HELOC with a 0 balance .. if yes can I keep the HELOC open
Hi M2715,

To refinance, the lender will order an appraisal. If your property appraises for more than the amount you want to refinance, and you meet all other lender requirements (i. ... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 07748
David  Stein, Real Estate Pro in San Diego, CA
David Stein answered:
just refianced mort $177,500 669 fico med score home value 304,000 would I qualify for a HELOC can I apply right away? Or wait?
It is worth a try now, cant hurt. I can help you. Email me at davbstein@yahoo.com
0 votes Share Flag Wed May 11, 2011 Financing in 07748
M2715, Home Owner in 07748
M2715 answered:
just had cah out ( 25,000) ref total $177,500 closing costs w/ escrow were 5,800 I locked at 4.875 w/ good cr (669) got 5.25 good? home val 304,000
5.25..The current rate when I locked was 4.875 BOA .. I went through the same bank
0 votes Share Flag Mon May 16, 2011 Financing in 07748
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
How long to close a FHA Mort refiance had a bankrupct 2 yrs agohave conv loan 240,00 2nd mort 140,000 home value $420,000?
You've asked this in 3 different variations so I'm unsure what you are actually trying to accomplish. If your mortgages total 380K with a value of 420K, you can refinance to a ... more
0 votes Share Flag Tue May 10, 2011 Financing in 07758
Chad Barris, Real Estate Pro in Little Falls, NJ
Chad Barris answered:
Hoping to refiance my mortgage after chapter 7 bankrupcy ( 2 year mark).. will I have to get a FHA loan and because of bankrupcy higher interest rate?
FHA rates are VERY LOW.. Yes you will becuase FNMA is 4 years after a BK.

Call me and we can go over your payments
0 votes Share Flag Sat Mar 31, 2012 Financing in 07758
John Skronski, Real Estate Pro in Long Branch, NJ
John Skronski answered:
considering first time home purchase, will I be able to get a loan?
Elena -- Yes you should be able to get a loan. But speaking with a mortgage representative will get you the answer. Call me to discuss further: cell: 908-601-4567. I work in Long Br ... more
0 votes Share Flag Thu Apr 10, 2014 Financing in 07740
Don Wuerfl, Real Estate Pro in Colts Neck, NJ
Don Wuerfl answered:
am i supposed to pay a deposit in a certified cheque to a broker to hold a pre approval for a mortgage.?
Hi. No. Usually pre approvals are at no cost to you and a good faith deposit is required when makining an offer on a property. That deposit can be a personal or cetified check. If you n ... more
0 votes Share Flag Tue Apr 19, 2011 Financing in 07746
Ron Simone Jr, Real Estate Pro in Clark, NJ
Ron Simone Jr answered:
My husband and I are self employed with excellent credit, verifiable assets, and we need a mortgage. Can anyone help us?
Please call Frank D Angelo at 908 377-7109 or Mike Liprari at 973 809-2331
0 votes Share Flag Fri Apr 15, 2011 Financing in 07747
George Raymo…, Real Estate Pro in Fort Worth, TX
George Raymondo answered:
we need a private mortgage. where can we get legitamate info?
We are a Direct Lender with a Hard Money or Private Lending Division. But before you venture down that road, are you absolutely sure you don't qualify? You would be amazed who can ... more
0 votes Share Flag Mon Mar 21, 2011 Financing in 07762
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