Financing in Naperville : Advice

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Ben Kastein…, Real Estate Pro in Naperville, IL
Can't Refinance? Can't Get a Loan? Here's why 2 Million had the same problem ... Read more
Blogged Wed Oct 12, 2011 by Ben Kastein and Bob... Home Buying Financing Credit Score
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Ben Kastein…, Real Estate Pro in Naperville, IL
Thinking of Being a Landlord or Investor? Understanding Cap Rate is a Must! ... Read more
Blogged Mon Dec 6, 2010 by Ben Kastein and Bob... Home Buying Home Selling Financing
Ben Kastein…, Real Estate Pro in Naperville, IL
Can't Refinance? Can't Get a Loan? Here's why 2 Million had the same problem ... Read more
Blogged Wed Oct 12, 2011 by Ben Kastein and Bob... Home Buying Financing Credit Score
No comments Be the first to Comment
Ben Kastein…, Real Estate Pro in Naperville, IL
Can't Refinance? Can't Get a Loan? Here's why 2 Million had the same problem ... Read more
Blogged Wed Oct 12, 2011 by Ben Kastein and Bob... Home Buying Financing Credit Score
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Jennifer Zui…, Real Estate Pro in Naperville, IL
According to the article below, a TON of homebuyers wish they'd known more about... Read more
Blogged Fri May 9, 2014 by Jennifer Zuithoff Financing Agent2Agent
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Ryan Moran, Real Estate Pro in Naperville, IL
In an interview on CNBC this morning, Warren Buffett said that real estate migh... Read more
Blogged Mon Feb 27, 2012 by Ryan Moran Home Buying Financing Rentals
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Ben Kastein…, Real Estate Pro in Naperville, IL
Springtime is Around the Corner....Buying? Selling? Is it possible that af... Read more
Blogged Wed Feb 9, 2011 by Ben Kastein and Bob... Home Buying Home Selling Financing
Ben Kastein…, Real Estate Pro in Naperville, IL
Buying Your First Home Buying Your First HomeFinding the right first hom... Read more
Blogged Mon Nov 29, 2010 by Ben Kastein and Bob... Home Buying Financing Property Q&A
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Ben Kastein…, Real Estate Pro in Naperville, IL
Tips to Prepare for Your Home Appraisal When it comes to home appraisal ti... Read more
Blogged Mon Nov 1, 2010 by Ben Kastein and Bob... Home Selling Financing How To...
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Ben Kastein…, Real Estate Pro in Naperville, IL
Survey: Next 2 years is prime time for real estate investors18.5% plan to pay in... Read more
Blogged Tue May 31, 2011 by Ben Kastein and Bob... Home Buying Financing Foreclosure
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Ben Kastein…, Real Estate Pro in Naperville, IL
 Make a Home Investment in 2011 Location, location, location. In the ... Read more
Blogged Tue Mar 15, 2011 by Ben Kastein and Bob... Home Buying Financing Foreclosure
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Ben Kastein…, Real Estate Pro in Naperville, IL
Flaws in Obama's Mortgage Reform Plan? Attached is a great article to hel... Read more
Blogged Mon Mar 7, 2011 by Ben Kastein and Bob... Home Buying Financing Credit Score
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Ben Kastein…, Real Estate Pro in Naperville, IL
2011 Is a Great Year to Buy a Home! Happy New Year! 2010 is no more and as... Read more
Blogged Wed Jan 5, 2011 by Ben Kastein and Bob... Home Buying Financing Foreclosure
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Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Does anyone know if student loans are required to be offered on a Fannie Mae Homepath loan?
Not sure what you mean by "offered". But with any Fannie Mae loan, student loan payments need to be included in the debt to income ratio regardless if they are in deferment or not.

... more
0 votes Share Flag Wed Dec 12, 2012 Financing in Naperville
Ridhi Raheja, Real Estate Pro in Naperville, IL
Ridhi Raheja answered:
Debt to income maximums?
Dear John, Homepath loans are very ratio conscious, No you don;t have any room to go above 45% DTI, but how are you counting the income , maybe there is some room there. I would also s ... more
0 votes Share Flag Wed Dec 12, 2012 Financing in Naperville
Dan Firks, Real Estate Pro in Naperville, IL
Dan Firks answered:
We got a closing cost worksheet from our lender - and the "cash from borrower" is roughly 3k more than she told us it would be.
Good Morning, Great Question and yes, your lender will be the best source for this answer. Sometimes it might be a tax credit. It should say on the closing statement where all the mon ... more
0 votes Share Flag Thu Jan 26, 2012 Financing in Naperville
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Are prepaid items covered by the seller at closing?
A sellers' credit at closing can only pay for nonrecurring costs. Prepaids are for setting up the escrow for your real estate tax and homeowners' insurance. You must pay for t ... more
0 votes Share Flag Thu Jan 26, 2012 Financing in Naperville
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I just started a new job after being out of work for 6 months. I want to do a 10 year fixed re-fi on a rental property with 30% equity, no late
Assuming your new job's income qualifies, it'll boil down to the reason for the job gap, your new employment, and what you did prior to the job gap.

If you were laid off be ... more
0 votes Share Flag Wed Jan 25, 2012 Financing in Naperville
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can you borrow more than the price of the home to cover any and all out of pocket expenses?
There are different types of loans, VA and USDA are no money down and the seller can pay most if not all of the closing costs. There is th fha 203k which you can get money towards repa ... more
0 votes Share Flag Wed Sep 18, 2013 Financing in Naperville
Anthony Cava…, Real Estate Pro in Channahon, IL
Anthony Cavalea IV answered:
I get conflicting questions when I ask if they still do mortgage loans with 10% down, 10% first mortgage, and 80% second mortgage.
The purpose of getting 2 mortgages is to avoid PMI. But I do not believe they are doing that anymore because too often the second mortgagee gets the short end during foreclosure. You ma ... more
0 votes Share Flag Thu Oct 27, 2011 Financing in Naperville
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