Financing in Texas : Advice

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Kay Kirby, Real Estate Pro in San Antonio, TX
Kay Kirby answered:
My wife has a high enough credit score for the FHA loan but I have a thin file of credit due to being an immigrant. Can we still get a home loan?
If your wife can qualify with a good credit score and has good income by herself she should be able to qualify by herself, but if she needs help with the income part you should be able ... more
0 votes Share Flag Mon May 13, 2013 Financing in 78237
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Can I get a USDA loan with bad credit? Most of the credit is healthcare collections that should not be there, as I have insurance.
We are a Guaranteed Direct Lender for the USDA RDL Program. I just got an approval for a USDA loan where his credit score was 568 and in less than 30 days his score went up to 641. It i ... more
0 votes Share Flag Sat Apr 18, 2015 Financing in 75061
Andrew Wilki…, Trulia Community Manager in San Francisco, CA
Andrew Wilkinson answered:
We are purchasing a home through owner financing. What do we do next if we want to purchase a new home through bank financing?
Hi there,

This is a great question, however I'm sorry that it hasn't had any new answers. It might be because this question lends itself more to "Home Buying" than "Financing".

I' ... more
0 votes Share Flag Thu Apr 25, 2013 Financing in Longview
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
First home buyers that want a house but have no credit!
The two things that Lenders look for are;
The ABILITY to repay the loan, and,
The TRACK RECORD of paying your obligations:

You must have both.

What to do: Be patient and build y ... more
0 votes Share Flag Mon Apr 15, 2013 Financing in Victoria
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
Who pays for a well water test and termite tests? Is it the same for a VA buyer?
VA requires the seller to pay for the termite inspection but does not specify who would pay for the treatment if necessary although typically the seller would pay for that under most ci ... more
0 votes Share Flag Mon Oct 13, 2014 Financing in 77059
Jon Nichols, Real Estate Pro in San Antonio, TX
Jon Nichols answered:
Is it possible to obtain Conventional home loan if current FHA home is used as rental?
Yes, it is possible provided your debt to income ratios are acceptable. How much do you owe on the current FHA property and what is that home valued at? Are you just moving out or hav ... more
0 votes Share Flag Thu Apr 11, 2013 Financing in San Antonio
Allan Griego, Real Estate Pro in Austin, TX
Allan Griego answered:
Bad Credit Construction Loan with 50% down?
Do you own the lot you want to build on? If you do, you may have a chance depending on several factors. If you don't own the lot you want to build on, your facing an up hill battle.
... more
0 votes Share Flag Mon Jul 1, 2013 Financing in 78729
K.C. Jones, Real Estate Pro in Texas
K.C. Jones answered:
Where do I begin to search for lenders?
If your middle credit score is at least 580 I can help.

You may apply online at www.rhlapps.com/kjones or give me a call.

K.C. Jones
RH Lending
214-432-0486
kjones@rhlending.co ... more
0 votes Share Flag Fri Apr 12, 2013 Financing in Houston
Don Groff, Real Estate Pro in Cedar Park, TX
Don Groff answered:
I want to refi without an appraisal ...that lenders will do this ?
Hello,

I can check to see if your mortgage qualifies for one of the HARP no appraisal refinances. If you would like to discuss please give me a call or send me an email. I broker w ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in Round Rock
Joseph Roraff, Real Estate Pro in Onalaska, WI
Joseph Roraff answered:
What can a first-time homebuyer do to secure the best interest rate on their loan?
Have good credit and make a large down payment.
0 votes Share Flag Thu Apr 11, 2013 Financing in Houston
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
Buying a House with Garnishemnt on Credit
Never seen a person in Texas getting garnished except for Child Support and maybe govt debt.

Did this car deal happen in another State?

What is his scores?



Tom Burris
Mor ... more
0 votes Share Flag Tue May 14, 2013 Financing in 75063
Johnny E Wil…, Real Estate Pro in San Antonio, TX
Johnny E Williams answered:
Are there any lenders familiar with the TMP 79/MCC program offered through the Texas Department of housing?
I have several lenders I work with who walk my clients through the entire process.

Here's a link http://sahomestx.com/prequalify just let me know when you send him your info or let m ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in San Antonio
Elizabeth Sc…, Real Estate Pro in Dallas, TX
Elizabeth Scarlett Morgan answered:
When is it best to mortgage shop than stick with your bank?
Always.
Your Realtor will be able to guide you.
0 votes Share Flag Sat Jun 15, 2013 Financing in Dallas
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
Which are the best title companies?
That question is as useful as asking who are the best real estate agents. Every area has its own set of specialists, which may not be available anywhere else.
0 votes Share Flag Sun Apr 14, 2013 Financing in Houston
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
Hard Money or Private Money ... where do I find it?
You can find hard money lenders at your local REIA (real estate investment club). Go to http://www.creonline.com and find the ones near you.

You can find some private lenders the sam ... more
0 votes Share Flag Mon Apr 8, 2013 Financing in San Antonio
Deborah Rigs…, Real Estate Pro in 27705
Deborah Rigsbee Miller answered:
How do I find a lender who actually knows how to handle USDA loans and special circumstances?
Hey Rey, If you will contact me I will speak to a couple of lenders I know who have a national presence for their peer counter parts that can handle USDA and less than the traditional ... more
0 votes Share Flag Wed May 29, 2013 Financing in 78108
Priscilla Al…, Real Estate Pro in 78248
Priscilla Allen answered:
How soon we can get home equity loan in Texas after purchase of primary residence?
It has to be 12 months before you can apply for a home equity loan. So, you will need to wait until next year. But, it sounds like you got a great deal! Priscilla
0 votes Share Flag Fri Apr 5, 2013 Financing in San Antonio
Tom Burris, Real Estate Pro in Dallas, TX
Tom Burris answered:
what is a conventional loan on a HUD sold home? can i pay it off before the loan term agreement?
The answer to THATquestion will be explained in the promissory note of your loan.

I see NO REASON why you would have a pre-payment penalty.
0 votes Share Flag Wed Apr 3, 2013 Financing in 77521
Jena Dentone, Real Estate Pro in McKinney, TX
Jena Dentone answered:
How do you choose the right lender?
Call my husband! Paolo Dentone @ Home Team Mortgage@ 972-467-7777! He's amazing & local! We've both been in this business for many years and would love to help you throug ... more
0 votes Share Flag Sun Apr 7, 2013 Financing in Dallas
John Broussa…, Real Estate Pro in Houston, TX
John Broussard answered:
Mortgage for investment properties in Texas? (foreign nationals) Looking to build longterm relationship with Bank and willing to transfer 100k
We can assist you with your lending request, we offer financing for both residential and commercial properties. Down payments range form 25 to 30% down with very competive rates. For mo ... more
0 votes Share Flag Mon Oct 14, 2013 Financing in Houston
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