Financing in 94015 : Questions & Answers

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Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
H1 status, and i make 60000k /years, what types of fiancing out there right now that will suitable for my status?
I have a loan program that will lend to foreign nationals but they need to put down 30%. The rates are in the low 3% range. I and not fmailiar with all of the codes but if H1 status al ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in 94015
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
FHA Coborrower Buyout?
Well in the absence of equity, there is no cost in buying out your friend, if he/she wants out, you owe them no money. In fact if it is upside down and your friend wants out, your frie ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in 94015
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
I have a conventional mortgage. NOT owned by Freddie Mac or Fannie Mae. My mortgage is UNDERWATER. So, far no one has been able to help. Any help???
Well I may be able to do what is called a "short pay" refinance. That is where we get the lender to agree to accept a lower payoff than what is owed.
Let me know if you would like to ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in 94015
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Is it possible to avoid escrow in California if I have a >20% down payment?
CAL. CIV. CODE § 2954 : California Code - Section 2954

(a)No impound, trust or other type of account for payment of taxes on the property, insurance premiums or other purposes rel ... more
0 votes Share Flag Fri Jul 13, 2012 Financing in 94015
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
I have a conventional mortgage and I'm underwater. My LTV ratio is 115%. Can I qualify for a refi? Thanks.
Hi, rms_bap. For clarity: Fannie Mae and Freddie Mac are CONV (conventional) loans. Follow previous answer direction and look up your address on the fanniemae website. If it's not t ... more
0 votes Share Flag Sat Jul 7, 2012 Financing in 94015
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