Financing in Stanislaus County : Real Estate Advice

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Karen Gustaf…, Real Estate Pro in Modesto, CA
Karen Gustafson answered:
self employed for 1 yr earnings so far 137k have 50k for down paymt have fair credit and no bills. can I get financing?
I have a lender that might be able to work with you. Give me a call so that we can get the two of you connected. My email: Karen@SoldThruKaren.com or call me at (209)968-7653 so that we ... more
0 votes Share Flag Thu Sep 27, 2012 Financing in 95355
Suzanne MacD…, Real Estate Pro in Morristown, NJ
Suzanne MacDowell answered:
Down Payment Assistance Program
We have them here in New Jersey and they are DEFINITELY worth it! We have the New Jersey Smart Start Program, run by the State that provides up to 4% of the purchase price. We have 'L ... more
0 votes Share Flag Thu Jan 17, 2013 Financing in 95356
Thadeus Brew…,  in Scottsdale, AZ
Thadeus Brewer answered:
What kind of paperwork is the most important for buyers to be prepared when they meet with a lender to get pre approved to buy a home?
Hi Lura,
short list:
last 2 paystubs
last 2 bank statements
last 2 yrs 1040's
dr license & s.s.card or passport
0 votes Share Flag Tue Feb 16, 2010 Financing in Modesto
Robert Chome…, Other/Just Looking in San Diego, CA
Robert Chomentowski answered:
HomeStyle Renovation loan questions: 1. is this loan still available? 2. if so, what lenders in California [preferably Modesto] offer it?
Yes this is still available for Fannie Mae REO properties. You also have the FHA 203k renovation loan.
0 votes Share Flag Thu Aug 12, 2010 Financing in Modesto
Jim  Patton, Real Estate Pro in Turlock, CA
Jim Patton answered:
How much should the appraisal adjustment be for an in-ground pool for a SFR in the Central Valley, CA?
Aaron,
When I do my BPO's I will allow from $10,000 to $15,000 adjustments for in ground pools. I have yet to have one of my BPO's kicked back to me because of that. I dont know if t ... more
0 votes Share Flag Tue Jul 20, 2010 Financing in Turlock
Mission Viejo…,  in Mission Viejo, CA
Mission Viejo Real Estate by Valorie Stover answered:
Why if I am separated why am I being told that I have to list my husband's debt to purchase home alone?
My understanding is in CA, untill you have proof that you are not responsible for any of his debt, it has to be assumed half of it is yours. You will also have to have him sign off ,tha ... more
0 votes Share Flag Sat Jun 13, 2009 Financing in Modesto
Will,  in Atlanta, GA
Will answered:
if i bought one of these fannie maes home that was qalified for a homepath renovation mortgage but i bought
Unfortunately not. You would need to utilize the program to purchase the home.


Will Addo is a Renovation Specialist with Wells Fargo Home Mortgage. We finance 1 in every 4 home in ... more
0 votes Share Flag Sun May 24, 2009 Financing in Modesto
Ben Balsbaugh, Real Estate Pro in Modesto, CA
Ben Balsbaugh answered:
Is Access Capitol Group Inc. based in Arizona a reputable mortgage company?
I am not familiar with this company, but I would be leery of any offer made through an internet company. The close ratio from internet lending institutions is not good.
You as a seller ... more
0 votes Share Flag Tue Jun 9, 2009 Financing in 95354
Tyler Flaher…,  in Turlock, CA
Tyler Flaherty answered:
I'm looking for someone who is well versed with the V.A home loan program. Which mortgage companies deal with
Michael, There are many out there. From personal experience I recommend Louise Gray 209-664-5200. She is a loan officer that has handled many V.A. home loans.
0 votes Share Flag Tue Mar 31, 2009 Financing in Turlock
Bill Eckler, Real Estate Pro in Venice, FL
Bill Eckler answered:
If a friend of mine bought a house all cash and now want to sell it to me for the exact price he paid can I
Brian,

There are many factors to consider...one of which is, will the home appraise for the amount he purchased it for? In a market with downward tendencies this should be a concern ... more
0 votes Share Flag Thu Mar 26, 2009 Financing in Modesto
Tyler Flaher…,  in Turlock, CA
Tyler Flaherty answered:
we just bought 30yr fixed at 6.5. could we refi at lower rate?
Depends Vera,
The main thing is that your home cannot be worth less than what you paid for it. Get in touch with a good lender and they can better assess your situation.
Best of lu ... more
0 votes Share Flag Thu Oct 7, 2010 Financing in 95356
John Brasil, Real Estate Pro in Modesto, CA
John Brasil answered:
How do I find the best deal on a mortgage?
I would recommend pricing several different Mortgage Brokers and actual Banks.
0 votes Share Flag Thu Mar 26, 2009 Financing in Modesto, CA
Gary Hall, Real Estate Pro in Modesto, CA
Gary Hall answered:
Who are good lenders in this area?
Bank of America 810 Standiford Ave Ste. 1 for Acorn Loans( one of the best loans around for First Time Buyers), Maria McMillen 209-342-2503
Mission Hills Mortgage, Christine Foreman 20 ... more
0 votes Share Flag Tue Nov 27, 2012 Financing in Modesto
Pamela Carli…, Real Estate Pro in Capitola, CA
Pamela Carlisle- Easton answered:
How do I find the best deal on a mortgage?
Ask your REALTOR! They are cognizant of the lenders that close loans on time, have the best programs and rates! They are also aware of the lenders that go that extra mile in explainin ... more
0 votes Share Flag Wed Jan 16, 2008 Financing in Turlock, CA
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