Financing in Oakland : Advice

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Gilbert Rich…, Real Estate Pro in Santa Clara County, CA
Gilbert Richards asked:
Does anyone know any wholesale lender still doing full 203k's? I have found a couple who do streamline but no one who does full. And i have a couple clients that are really good candidates for the program. My fellow LO's please help me out if ...
0 votes Share Flag Wed Mar 10, 2010 Financing in Oakland
Sarahbaggott, Real Estate Pro in Oakland, CA
Sarahbaggott asked:
Looking for a lender that REALLY knows 203k loans (Full, not streamline) I am an agent with a buyer obtaining a 203k loan on a 4 unit in W. Oakland. It has been a NIGHTMARE and after almost 5 months in escrow I am fearful that this lender really doesn't know what is going on... It is not an easy property but at this point we ha...
0 votes Share Flag Thu Mar 11, 2010 Financing in Oakland
Cc, Both Buyer and Seller in Oakland, CA
Cc asked:
I have a house that is worth $200,000 less than the loans we are paying on it. I would like to purchase another house (our family has gotten larger and we need more space) but do not know how to get out of the current situation without giving up being a homeowner nor messing up my credit.
0 votes Share Flag Wed Mar 3, 2010 Financing in Oakland
Erica, Other/Just Looking in Nederland, CO
Erica asked:
Any advice on getting a new loan on a house that's underwater? We've paid off the 2nd mortgage a couple months ago, and the first is a I/O option that comes due in a year. We are making extra payments on that now. (7 yr balloon I think it...
0 votes Share Flag Thu Aug 15, 2013 Financing in Oakland
Voulezvous, Home Buyer in Oakland, CA
Voulezvous asked:
I am a Professor with an income of 85k in the Oakland, CA area. But - I have 20K in credit card debt and 85 k in student loan debt that I have been chipping away at. I have family to help me with the down payment on a home - and have been asked to get qualified. I'm worried I won't qualify with my outstanding debts. Shoul...
0 votes Share Flag Thu Mar 18, 2010 Financing in Oakland
Mario, Home Buyer in San Francisco County,...
Mario asked:
I was speaking with a mortgage broker who told me that consumers cannot get the wholesale rates direct from banks. Is this true? He said that only other institutions, like his, could do this. So the rate he quoted me on my 30 year fix was a bit higher than the wholesale rate. In order to get the rate down, I wo...
0 votes Share Flag Fri Jan 8, 2010 Financing in Oakland
Mario, Home Buyer in San Francisco County,...
Mario asked:
Does anyone know what favorable terms for a seller-financed subordinate loan looks like? I am looking to purchase a condo in Oakland, CA with a conventional loan. I will put down 10% of my own funds AND add another 10% in the form of a subordinate loan from the seller. I&...
0 votes Share Flag Wed Dec 30, 2009 Financing in Oakland
Mario, Home Buyer in San Francisco County,...
Mario asked:
What are the pros and cons of seller financing? I am planning on purchasing a condo with FHA financing. However, I am also potentially able to put down 10% and use seller financing, where the seller will loan me the other 10% of my ...
0 votes Share Flag Wed Dec 2, 2009 Financing in Oakland
Mario, Home Buyer in San Francisco County,...
Mario asked:
Why is the interest rate on a conventional mortgage loan higher than on an FHA loan? I recently got approved for both an FHA and conventional (10% down seller financing), and my FHA loan was lower than my conventional. Is this consistent with what others are seeing? ...
0 votes Share Flag Wed Dec 2, 2009 Financing in Oakland
Painter, Home Buyer in Oakland, CA
Painter asked:
I’m a waiting buyer for an FHA appraisal on a pre 30’s $240k functional fixer, tough seller. Can I improve my chances for loan success some how? Is chipped paint a big problem.Is it too late to get a 203k less than 30 days left?Heating output could be better too.
0 votes Share Flag Tue Jan 3, 2012 Financing in Oakland Ave/Harrison St
Sweetdeal, Home Buyer in Oakland Ave/Harrison...
Sweetdeal asked:
can i get the $8k tax credit even not with FHA loan? if yes, what to do? i'm a first time buyer by the way. i have a about a week to close, can i get it in time?
0 votes Share Flag Fri Jul 31, 2009 Financing in 94602
Oakland Buyer, Home Buyer in 94610
Oakland Buyer asked:
Are we getting a good rate for our credit? Hi All, Me and my wife are trying to buy a home. We are first time buyers with good credit (the middle of our lowest score is 699) and are looking at borrowing 300K to buy somet...
0 votes Share Flag Fri Jun 26, 2009 Financing in Oakland
Ben Franklin, Home Buyer in Oakland, CA
Ben Franklin asked:
I would like to know if anyone has come across an inexpensive mortgage that requires a single annual payment I would like to become a first time home owner and think that from a tax perspective that it would be benefical to itemize (property taxes and mortgage interest) one year and the next u...
0 votes Share Flag Tue Mar 18, 2014 Financing in 94612
Jerry, Home Buyer in Oakland, CA
Jerry asked:
Would a bank transfer loan of upside-down home from an individual to a church? My church orchestrated a purchase of a single family home to be used by the senior pastor. About three years ago the church’s Board of decided to purchase a single family home...
0 votes Share Flag Tue Mar 17, 2009 Financing in Oakland
Jackie Care, Real Estate Pro in 94602
Look for U.S. housing markets to continue expanding at healthy levels next year,... Read more
Blogged Wed Oct 9, 2013 by Jackie Care Home Buying Home Selling Financing
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