Financing in West Virginia : Advice

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Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
What options does a nonoccupant co borrower have on a discharged mortgage loan?
you have the right to legal counsel, hire one ASAP.

Jim Simms
NMLS # 6395
Financing Kentucky One Home at a Time
0 votes Share Flag Wed Jul 25, 2012 Financing in 25611
James Ryan, Real Estate Pro in Leesburg, VA
James Ryan answered:
I am trying to get either a home equity loan or refinance loan. I worked my entire life up until September 2011. I worked in the health care field..
Sorry to hear about your MS. Obviously, your income has to be counted as long as we can prove it will continue for 3 years or more longer. Your credit score does not sound like a deal k ... more
0 votes Share Flag Mon Apr 23, 2012 Financing in Charleston
Bret Nida, Real Estate Pro in Charleston, WV
Bret Nida answered:
can you use part of your home loan to pay other bills?
No, the only way to use any funds like that would be if you would refinance the home and it had equity left over. Most banks won't allow you to cash in on your equity after 6 months.

... more
0 votes Share Flag Thu Apr 26, 2012 Financing in Charleston
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Have a bankruptcy, discharged almost 2 years, but have been working to re-establish our credit. Possible to get a loan?
Great job getting back on your feet. It sounds like you are doing the right things, reestablishing credit and paying on time. The general rule is 2 years post BK before mos ... more
0 votes Share Flag Wed Feb 1, 2012 Financing in Bunker Hill
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
Can you use a home loan as part of your down payment, or must you have a down payment up front?
Generally downpayment money is necessary; FHA loans require a minimum of 3.5%; therefore if interested in purchasing, visit with any licensed loan officer(s), after reviewing your fina ... more
0 votes Share Flag Sat Dec 24, 2011 Financing in Charleston
Sally Grenier, Real Estate Pro in Longmont, CO
Sally Grenier answered:
Are there any owner financing homes or rent to own homes in St.Albans, WV or surrounding areas?Please help my mom needs a home asap!!! Thanks!!
If your mom needs a home asap, maybe she should consider just renting something. Owner financing & rent--to-own situations can be difficult to find, and rarely work out for either ... more
0 votes Share Flag Wed Sep 21, 2011 Financing in Saint Albans
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
looking for seller or help with the closing cost. i have have of it but unable to come up with the rest. bank said i was qualified for a chip loan.

Buyer Assistance programs like that are very few, and extremely far between!
Please, please get your own Buyer's Agent to help you and protect your interests; this is ... more
0 votes Share Flag Mon Jul 11, 2011 Financing in Terra Alta
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
I just sold another house, paid off alot of debts, credit score isnt so great, my wifes is better. I have a great job that pays well, can I qualify
Wells Fargo is currently considering some very low scores for their FHA financing. No one can approve or deny your credit without an application, but I would start with a loc ... more
0 votes Share Flag Wed Jun 1, 2011 Financing in 24740
James Ryan, Real Estate Pro in Leesburg, VA
James Ryan answered:
any homes rent to own or owner finance?
Hi Ellen,

Be very careful on rent to own homes or even owner financed homes. These opportunities heavily favor the seller, and there are some nightmare stories out there.

Rememb ... more
0 votes Share Flag Sun Nov 4, 2012 Financing in Charleston
Sameer Punja…, Real Estate Pro in Fairfield, CA
Sameer Punjani answered:
My credit score is 628 what would be the rate
On what ? Purchase / Refinance? How much down are you putting? There's a lot of factors on interest rates. I used to do loans, but not any more...

But from my knowledge, if you ... more
0 votes Share Flag Sat Nov 20, 2010 Financing in Hinton
Amy Salisbury,  in Charles Town, WV
Amy Salisbury answered:
If 2 people (not married)r trying to qualify 4 loan do both have to qualify 4 the total amount or can it be 1/2 N 1/2 = 2 Total amount?
Roma, Good question, if 2 people are trying to qualify for a set loan amount, say $250,000, then both people's income and debts would be figured into the qualifying amount. If Ma ... more
0 votes Share Flag Tue Aug 31, 2010 Financing in Charles Town
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
i don't think i have good credit and i need to find a company that will finance a loan for a house
Shawanda - the best place to start is with a Mortgage broker - he or she can run your credit and see what exactly it is you're dealing with. Based on that - they can let you know ... more
0 votes Share Flag Wed Jul 14, 2010 Financing in Logan
Dave Griswol…, Real Estate Pro in Bridgewater, NJ
Dave Griswold/ Lisa Payne-Griswold answered:
My Husband and I are trying to buy our first home. We make a good living and will be well able to pay our mortgage. We have an approval from Va for
You may want to call the VA and ask them for a list of approved lenders. Don't let them run your credit again until you know which bank you are going with. Also if you don't k ... more
0 votes Share Flag Wed Jun 16, 2010 Financing in 26554
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
I have a middle beaon score of 585 and make 50000k a year. I would like to purchase a home is this doable.
Most lenders want a minimum 620 fico score. I would suggest that you talk to a local lender or non-profit credit counseling service and ask them for ways to improve your score. You may ... more
0 votes Share Flag Wed Apr 28, 2010 Financing in New Martinsville
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
I live in West Virginia and am interested in a $290,000 townhouse. I can put $120,000 down. My credit is fair. Prior years income was 100K, 100K and
Your best bet is to contact a local and trusted mortgage broker, they can prequailify you at no cost and let you know what programs you can aor can not quailify for. try and stay away f ... more
0 votes Share Flag Mon Aug 19, 2013 Financing in Bridgeport
Leo Gonzalez, Real Estate Pro in Bonita, CA
Leo Gonzalez answered:
Please help we got appr for a fha loan had a home appr everything done and turned in even got a close date and at the last Minute they told us
Unfortunately you probably needed that income to qualify for the FHA loan. If you id need it you would have to have that income for the past 2 years. Depending on the bank they might ma ... more
0 votes Share Flag Wed Jun 5, 2013 Financing in Hedgesville
.,  in Boise, ID
. answered:
We cant get a loan for enough money to buy the home that we want!
Erica, if you have debts like school loans that are truly deferred for the next 12 months, then get copies or proof the loans are deferred for 12 more months and those payments don't ha ... more
0 votes Share Flag Thu Dec 30, 2010 Financing in Wheeling
Liz McDonald, Real Estate Pro in Charles Town, WV
Liz McDonald answered:
On a short sale transaction, can you order the appraisal prior to the contratc being fully ratified by the
Hi Jaime,
If you are the buyer, you can have an appraisal contingency in the contract that allows the buyer to get out if it comes in below contract price. In general, if you are buyi ... more
0 votes Share Flag Mon Jul 30, 2012 Financing in Charles Town
Luke Allison,  in Asheville, NC
Luke Allison answered:
A family member wishes to replocate and by a home out of state. A primary residence. They keep pushing this
You can buy it as a second home but you probably wouldn't get around putting at least 20% down. However, you will get a better interest rate on a second home vs. an investment property ... more
0 votes Share Flag Tue Jun 2, 2009 Financing in West Virginia
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