Financing in Temecula : Advice

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Greg Cook 95…, Real Estate Pro in Temecula, CA
Greg Cook 951-265-4532 answered:
Help! Verification of Employment gone too far
Dear Lizzy, not all lenders underwrite the same and it may be as simple as getting an explanation letter from your employer explaining what you just told us.
The underwriter is just be ... more
0 votes Share Flag Wed Mar 13, 2013 Financing in Temecula
Chris Galleg…, Real Estate Pro in Fallbrook, CA
Chris Gallegos answered:
Owner occupied hard money lender
What's the loan amount? I have a few investors that might do it.
0 votes Share Flag Wed May 6, 2015 Financing in Temecula
Brad Yzermans, Real Estate Pro in Temecula, CA
Brad Yzermans answered:
Do any lenders in southern California work with delayed financing program?
I work with the delayed financing program where investors can buy and refi immediately after closing their purchase.

==> $90,000 is generally my minimum loan amount, lender fee is $1 ... more
0 votes Share Flag Thu Mar 14, 2013 Financing in 92592
Ashley Cooper, Real Estate Pro in Temecula, CA
Ashley Cooper answered:
VA loan...need a higher DTI for my dream house!! Any suggestions?
Give Nadia Martin a call... She's with PRW lending and she can answer that question and give you some options. Her number is 714-381-5447.
Good luck!!
0 votes Share Flag Sun Sep 29, 2013 Financing in 92591
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Anyway I can buy a house without using my spouses debt
I'm not doing loans, but this I can tell you;
If you put your spouse on the Loan for their INCOME, you will also have their DEBTS:
You cannot do one without the other.
0 votes Share Flag Mon Aug 20, 2012 Financing in Temecula
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Anyone know of a lender who will lend on a 2nd home to someone who currently has 5 loans out (4 rental loans & 1 main residential loan)? Great
I'm pretty sure Rudi Hofmann has a program for that. Rudi always has great outside the box programs for California borrowers. His Trulia profile can be found here: http://www.truli ... more
0 votes Share Flag Fri May 20, 2011 Financing in Temecula
Vicky  Spiva, Other/Just Looking in Redding, CA
Vicky Spiva answered:
Anyone know of a place that will give a loan for a cash out refi on a home with no loan. great credit. rental home, own 7 homes
You may want to try your local credit union. It appears that they hold their loans and don't sell them on the secondary market. Good Luck
0 votes Share Flag Mon Feb 28, 2011 Financing in Temecula
Matt Puzz, Real Estate Pro in Phoenix, AZ
Matt Puzz answered:
I own a 3bd 3bath home in Temecula, CA and I want to rent it in order to upgrade to a 4 bedroom. Good idea? Bad idea?
It depends on the equity position you have in your current home, along with the income that you have and the amount of reserves that you have available. There is the Buy and Bail pheno ... more
0 votes Share Flag Mon Aug 20, 2012 Financing in Temecula
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Unemployed spouse- Does her $$$ count as "income"?
That is a question for your loan officer, depending on what type of mortgage you were prequailified for, is how they will look at her income and debt. Simply give them a call and they c ... more
0 votes Share Flag Tue Oct 4, 2011 Financing in Temecula
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Is it possible for someone who had a short sale and a BK 3 years ago to purchase a home in Temecula now with an income of 45K and very little debt?
A lot will depend on your current debt and credit score, generally you can buy after two years--however, for an accurate answer do visit with any qualified loan officer(s), see what you ... more
0 votes Share Flag Sun Apr 25, 2010 Financing in Temecula
Nicholas,  in San Francisco, CA
Nicholas answered:
We will be getting pre-approved for our first home in the New Year 2010. My husband I both have self-employment income (we will be giving 2 years of
Hello Red, What is your adjusted gross income each year, i.e. what is your gross income after all of the expenses that you claim? That is what will be used. The reason that it is &quo ... more
0 votes Share Flag Mon Nov 16, 2009 Financing in Temecula
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
Im ready to begin the prequalification process, but I have some specific questions.
Paul,

I am here in CA and I can help you with the pre-approval process. But before we got started with that I'd be happy to address any initial questions or concerns you have via e- ... more
0 votes Share Flag Sun Mar 8, 2009 Financing in Temecula
Dot Chance, Real Estate Pro in Burbank, CA
Dot Chance answered:
Have a home that i cant sell but have to relocate and want to buy another one. I have equity in first but no
I have a great friend to refer you to in Temecula. He has lived there for many years - before it became so big!

Have you considered leasing out your home in Big Bear? How long has yo ... more
0 votes Share Flag Mon Jun 30, 2008 Financing in Temecula, CA
Jackie Blank…, Real Estate Pro in North County, SD
Jackie Blankenship, M.B.A. answered:
How come it is so hard for lenders to understand that I want FHA/CalFHA? They always want to run me through
You are absolutely right. You have the right to choose the type of loan you want and if you qualify for a FHA and want that program, you should stick to them. Not all lenders are qual ... more
0 votes Share Flag Sun Sep 29, 2013 Financing in 92591
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