Financing in San Francisco : Advice

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Shawn Sidhu, Real Estate Pro in San Jose, CA
Shawn Sidhu answered:
Will payday loans on my banks statements hurt my chances for FHA loan approval?
you should be fine in terms of your debt to income ratio since they are being paid off. I would highly advise getting pre-approved to ensure that your properly qualified since the file ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
How to transfer the borrow money from relative from china to buy property in the USA?
Nate, here are a few suggestions. You should talk to your bank to get wire instructions, your CPA about taxes, and you need to make sure the person who is sending you the money can sho ... more
0 votes Share Flag Tue Apr 16, 2013 Financing in San Francisco
Jed Lane, Real Estate Pro in San Francisco, CA
Jed Lane answered:
How many years retro can a San Francisco escape tax be assessed?
I think it's five but you should go to the source, the assessors office. The info is easily accessed from sfgov.org.
0 votes Share Flag Fri Jul 15, 2011 Financing in Potrero Hill
Lizete Santos, Real Estate Pro in 94105
Lizete Santos answered:
I only have about $40,000 for a down payment but can afford to make the monthly payment on about $700,000. Can I even do that financially?
Hi Cassy,

You should consult with a lender and he/she can ascertain based on your finances what you can afford.

Regards,
Lizete
0 votes Share Flag Tue Oct 26, 2010 Financing in San Francisco
David 'TAP'…, Real Estate Pro in Burlingame, CA
David 'TAP' Tapper answered:
I am looking for a lender for a condo in a mixed use building (70/30 commercial/residential)
Try calling Gilbert Richards 925-351-8985. He is very good and has good resources.

Good luck,

Tap
0 votes Share Flag Fri Oct 8, 2010 Financing in San Francisco
Lance R King, Real Estate Pro in San Francisco, CA
Lance R King answered:
Will self employment prevent me from refinancing?
Lgroverton,

The short answer is it depends. We work with several really good lenders. If you want referrals shoot me an email (below) and I will forward. If you are not in position n ... more
0 votes Share Flag Tue Oct 19, 2010 Financing in San Francisco
Victor Lozada, Real Estate Pro in Bellevue, WA
Victor Lozada answered:
Purchase contract states buyer has to go through a specific loan agent. Can that be enforced under the law?
Is the wording that you have to close the loan with that particular lender or just pre-qualify with them? Here in WA, many new construction communities have a clause requiring pre-quali ... more
0 votes Share Flag Thu Oct 7, 2010 Financing in San Francisco
Fredy, Real Estate Pro in Palm Springs, CA
Fredy answered:
can potential rental income on a multi-unit dwelling be used to qualify for a 203k loan?
All depends on the lenders guidelines, But it can be possible.

Fredy Rodriguez 760-8801820
0 votes Share Flag Thu Sep 16, 2010 Financing in San Francisco
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Is it worth putting 10% down on a property?
Jill your loan officer can easily break down what payment will be with putting down the minimum and putting down 10%. You need to look and see if there is enough of a savings in your mo ... more
0 votes Share Flag Fri Sep 10, 2010 Financing in 94117
HappyHome, Home Buyer in 94704
HappyHome asked:
0 votes Share Flag Wed Aug 25, 2010 Financing in 94111
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
signed loan documents on wed and were supposed to fund on fri. now we are being told that wont fund until mon and wont get keys until wed too long?
No, it's not too long; it sounds about right. Turn times to review signed loan docs are typically 48-72 hours so this is probably just a case of over-optimism on the part of the pe ... more
0 votes Share Flag Fri Aug 20, 2010 Financing in San Francisco
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
RE: Lending Assistance .
Not sure I understand what you need assistance with. If you don't have any other debt, your income will qualify for the payments. (Roughly $3,609.02 PITI @ 4.375% / 4.709% APR) The ... more
0 votes Share Flag Fri Aug 13, 2010 Financing in San Francisco
Teresa St. M…, Real Estate Pro in Portland, OR
Teresa St. Martin answered:
for a condo with a special assessment, can I pre-pay it by merging it into the purchase price? Is this typically allowed by lenders?
Try to have the seller agree to 'pay' the assessment by increasing the purchase price of the unit, if the assessment is for structural repairs or additions to the condo buildi ... more
0 votes Share Flag Thu Aug 12, 2010 Financing in San Francisco
RSW, Other/Just Looking in Belmont, CA
RSW answered:
loan agent keeps calling it a "full approval", as if to imply I'm further down the road/process than my "preapproval" from a
Could just be unfounded fear ... but my gut feeling is I'm getting gamed here - please help so I can put a hold on my credit card.
0 votes Share Flag Fri Jul 16, 2010 Financing in San Francisco
Dfrog, Home Buyer in Longmont, CO
Dfrog asked:
0 votes Share Flag Wed Jul 7, 2010 Financing in San Francisco
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry answered:
what is a "California FHA loan" - is that like "California Blackjack" where it's not the real thing :) Seems to be more of a?
Hi Richard:

Not true, we are deemed a high cost state.

Check the link:

http://www.fha-101.com/fha-loan-state/california-fha-loans.html

Happy 4th.

Perry
0 votes Share Flag Sat Jul 3, 2010 Financing in San Francisco
Lance R King, Real Estate Pro in San Francisco, CA
Lance R King answered:
Anyway for a TIC to refinance and get in on the low interest rate? We have 3units, 2 owned and other is rented by one of the owners.
Pv,

what's your current loan structure -fractional or group - and rate?
0 votes Share Flag Thu Jul 1, 2010 Financing in San Francisco
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Is the home buyer tax credit still available? What does it entail and how do I get it?
Hi Dreamhome,

You needed to enter into contract by 4/30/10 to be eligible for the Federal Tax Credit. However, there are exceptions for those in the military, which you can read abou ... more
0 votes Share Flag Fri Jul 2, 2010 Financing in San Francisco
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Is the home buyer tax credit still available? What does it entail and how do I get it?
Hi Dreamhome,

You needed to enter into contract by 4/30/10 to be eligible for the Federal Tax Credit. However, there are exceptions for those in the military, which you can read abou ... more
0 votes Share Flag Wed Jun 23, 2010 Financing in San Francisco
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