Financing in San Diego County : Advice

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Daniel Lehman, Real Estate Pro in San Diego County, CA
Daniel Lehman answered:
I moved in our rental property (upside down). Is this considered owner occupied?
If you live in the property and can justify that you live in the property, yes it is owner occupied...

D
0 votes Share Flag Sun Apr 7, 2013 Financing in 92083
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Hi, I applied for housing loan to buy a property,and now my question is can I buy that property in my spouse name?she is a home maker .
Does your spouse have an income? There are a lot of factors that go into qualifying for a mortgage, one is income. Another is the amount of debt that person carries as compared to th ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
Charles Lee, Real Estate Pro in 90069
Charles Lee answered:
does anyone lend $ so I can buy land?
We lend about 55% LTV on California land.
0 votes Share Flag Mon Apr 1, 2013 Financing in Potrero
Theresa Mack, Real Estate Pro in 92131
Theresa Mack answered:
How long does pre-approval last when trying to find a home?
It all depends on the lender but in my experience 60-90 days is pretty common.

If you'd like the a recommendation for some lenders who have great rates and closing costs feel free to ... more
0 votes Share Flag Sat Mar 23, 2013 Financing in Rancho Bernardo
Wayne L. Bro…, Real Estate Pro in San Diego, CA
Wayne L. Brown answered:
Is it legal in California for a broker to be the buyer's agent and also the mortgage broker in the same transaction.?
In most cases, Yes, as long as it is disclosed. However, if you are doing an FHA loan, it is prohibited by HUD.

That said, some lenders frown on this, and as their own policy may no ... more
0 votes Share Flag Sat Mar 29, 2014 Financing in San Diego
Marielena Hu…, Real Estate Pro in Chula Vista, CA
Marielena Hurtado answered:
first time buyer for a house/modular home just simple 2 bedrooms my credit is good and 15k deposit around 89 thousand on area code 92139 any ideas??
John, Please send me your email and i will sending you pictures of several properties matching your request.
malebeatie@hotmail.com


Marielena Beatie
Realtor
SD Realty Excellence ... more
0 votes Share Flag Wed Mar 20, 2013 Financing in Chula Vista
Luis Ramos, Real Estate Pro in 91913
Luis Ramos answered:
first time buyer of a house 2 bedroom simple my credit is good and 13k deposit, in area 92139 any ideas?? I'm from Anchorage, Ak.
John,

Call Martha Gomez with Guild Mortgage. She will tell you exactly where you stand right now and what you may be able to qualify for. Her phone # is 760-594-4727. Best of luck ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Chula Vista
Maria Esparza, Real Estate Pro in Chula Vista, CA
Maria Esparza answered:
Is there rent to own homes in 92139 area or modular homes for sale?
Hi John,
in this marker, rent to own does not favor the buyer. Your best bet is to go the normal route. contact me.
I have many years experience and can help you with your specific Re ... more
0 votes Share Flag Wed Mar 27, 2013 Financing in Chula Vista
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Excess closing cost money question in California (purchase)
You should ask your loan officer how much it is to lower the rate 1/8th. You can always use it to buy the rate down. You may also be able to have it applied as a principal curtailment i ... more
0 votes Share Flag Thu Mar 21, 2013 Financing in San Diego
Mark and Kari…, Real Estate Pro in San Diego, CA
Mark and Kari Shea answered:
Home construction loans
Yes there are, we work in land and new construction for clients as well as traditional listings.

Here is the name of who I would call.

Mark Maughan, MRED
Construction Loan / Lot ... more
0 votes Share Flag Mon Feb 18, 2013 Financing in 92021
Thierry Abel, Real Estate Pro in California
Thierry Abel answered:
Can you negotiate with your lender?
Negotiating with us is "Accepted"
0 votes Share Flag Wed Feb 6, 2013 Financing in San Diego
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Rent to Own tips????
Tip #1 = they don't work so you won't find any or many at all

Tip #2 = rent and buy when you really can and stop thinking about rent to own since it does not work very often.
0 votes Share Flag Sun Feb 3, 2013 Financing in Chula Vista
Jerry Heard, Real Estate Pro in San Diego County, CA
Jerry Heard answered:
is CDA Law Center safe?
I googled them and suggest you do the same and read the reviews.
0 votes Share Flag Tue Jul 30, 2013 Financing in 92081
Scott Bernave, Real Estate Pro in Oceanside, CA
Scott Bernave answered:
How do I purchase a home in the next year?
Hello I am Scott,

Quickly about me Oceanside native and background in mortgage banking. First you will want to work with a professional Real Estate Agent to help you and secondly ... more
0 votes Share Flag Fri May 10, 2013 Financing in North Valley
Jerry Heard, Real Estate Pro in San Diego County, CA
Jerry Heard answered:
What are my options if my family is growing and need to buy a second primary home, i currently have a condo w fha loan. I have great credit, dp 15k
Miya
This is a question that is best answered by a lender. There are many variables that would need to be addressed by the lender.
This link will give you the contact information on l ... more
0 votes Share Flag Thu Jan 17, 2013 Financing in 91914
Fred Glick, Real Estate Pro in Los Angeles, CA
Fred Glick answered:
Names of lenders that deal with unconventional lending or portfolio loans?
Depends on details. Email me fred@usloans.com
0 votes Share Flag Fri Apr 18, 2014 Financing in 92101
Fred Glick, Real Estate Pro in Los Angeles, CA
Fred Glick answered:
Is it required to pay for title insurance in closing when you are refinancing? Also, should there be a fee for Transfer Taxes when refinancing?
Yes on the title because the new mortgage company does not have any idea what has happened since you bought your home and they need to be insured.

Also, the state does charge two fee ... more
0 votes Share Flag Tue Dec 18, 2012 Financing in San Diego County
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
Are there any mortgages available where PMI doesnt have to be paid with only 10% down payment.?
Prime Lending offers such a product. Give Gary Twitchel a call at 714-342-1664.
Good luck,
0 votes Share Flag Wed Jan 16, 2013 Financing in San Diego County
Daniel Lehman, Real Estate Pro in San Diego County, CA
Daniel Lehman answered:
Hi Lenders! I am a Realtor looking for a good down payment assistance lender.
I am a lender, but I am not the down payment assistance guy for you... There is a guy named Craig Griffin, and he put together www.sandiegodownpaymentassist.com and has been in the bus ... more
0 votes Share Flag Thu Dec 12, 2013 Financing in San Diego County
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
Are there any drawbacks to refinancing if you can guarantee a better rate?
Trulia, if you're looking for a CMBS loan for your company, then you should definitely look into refinancing. Rates are down 60-80 bps this year. While rate locks are expensive, you c ... more
0 votes Share Flag Thu Nov 29, 2012 Financing in San Diego
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