Home Buying in 95834 : Questions & Answers

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Morethanlend…, Home Seller in USA, Mobile, AL
Morethanlending answered:
Can first-time home buyers use co-signers for FHA loans?
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0 votes Share Flag Fri Apr 4, 2014 Home Buying in 95834
RonS, Real Estate Pro in Concord, CA
RonS answered:
I need to refinance my credit score is poor at 569 is this possible?
It depends. Usually no but, if you have a government loan and you took the loan out before May 31, 2009, you may be able to do a HARP loan AKA relief refinance with no score or a low sc ... more
0 votes Share Flag Tue Mar 11, 2014 Home Buying in 95834
- Andrew Mar…, Real Estate Pro in Sacramento, CA
- Andrew Martinez - answered:
I had a VA loan, which was paid off after I had it the loan refinance in wife name, then we had to file BK last year.
It depends on the Type of BK that was filed.

Chapter 7 the wait period is 2 years after discharge

Chapter 13 the wait period is 1 year. There can be no late payments on any debt ... more
0 votes Share Flag Fri Jan 17, 2014 Home Buying in 95834
Bobby Seffens, Home Buyer in Pittsburgh, PA
Bobby Seffens answered:
Hi, has anyone heard of a no money down first time buyer loan qualified by the cosigner. Not sure if this is a part of FHA or who?
if this is in California, I used a program called CHDAP. A program through the State that dependant on your income, can lend you 3% down toward a down payment. And when using an FFA o ... more
0 votes Share Flag Sat Jan 11, 2014 Home Buying in 95834
Uyen Cao, Real Estate Pro in Sacramento County, CA
Uyen Cao answered:
Can we qualify for a FHA Loan? Can retired Co-signers help us qualify? HELP!!
A few questions come to my mind: are his parents currently receiving any kind of government assistance such as medical and/or medicare? Do you anticipate his parents to be moving into ... more
0 votes Share Flag Fri Oct 18, 2013 Home Buying in 95834
Elizabeth We…, Real Estate Pro in Sacramento, CA
Elizabeth Weintraub answered:
I live in New Jersey and trying to buy a house going through the FHA route with a
Your interest rate will be affected by a 605 FICO score, that much I can tell you. The preferred FICO score is 620 to 640 for the best rates, with 640 being even better, and many lender ... more
0 votes Share Flag Fri Aug 2, 2013 Home Buying in 95834
Sue Archer R…, Real Estate Pro in Tampa, FL
Sue Archer Reynolds answered:
How do I get a loan with excellent credit, large down payment, co-signer yet only have had job for 10 months?
Making a plan is the first step and a lender would know best how fast you can qualify and for what amount.

I might also suggest that you work with Heather at Blue Water Credit to h ... more
0 votes Share Flag Tue Jun 11, 2013 Home Buying in 95834
Eddie Martini, Real Estate Pro in Auburn, CA
Eddie Martini answered:
Better to have mortgage in Sacramento or Wisconsin?
Any update on your situation?
0 votes Share Flag Mon Jun 10, 2013 Home Buying in 95834
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I am trying to buy a house and will be going the FHA route. Can i use my sister, who has no FICO score, as a non-occupant co-signor?
This is tricky for some lenders, but we can manually underwrite files. That means we don't have to have a AUS Approval (automated underwriting system) in order to fund a loan. Also, kee ... more
0 votes Share Flag Mon Apr 22, 2013 Home Buying in 95834
Bud Zeller, Real Estate Pro in Placerville, CA
Bud Zeller answered:
HELP?!? I would like to apply for a FHA loan but, I don't know if I qualify with an occupying co-signer without a SSN.
I would suggest you contact a local lender for suggestions for your best loan type.
0 votes Share Flag Sun Dec 23, 2012 Home Buying in 95834
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
Can my sister be a non-occupent cosigner on my FHA loan if she has no FICO score?
...a borrower with no credit can go through FHA with a coborrower. However, it will require what we call a manual underwrtie. The file will need to be reviewed start to finish by an u ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Is it possible to qualify for an fha home loan with a 569 credit score if I have my father as co signer who has excellent credit?
Good afternoon adamandbella,

Lenders require a minimum credit score of 640 to qualify for mortgage financing; a cosignor is not to be used to make up for a deficit in credit. It is ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
My cosigner for fha has income and financial ability but no credit. Can I still use him?
To be absolute sure of the answer, I strongly encourage you and your cosigner to go to a local lender and complete the loan application. Only by going through the process will you be as ... more
0 votes Share Flag Mon Dec 17, 2012 Home Buying in 95834
Uyen Cao, Real Estate Pro in Sacramento County, CA
Uyen Cao answered:
My college student has no income. Wants to buy a home that we will co-sign. Would she be eligible for the credit?
There is no benefit of having your son/daugher on the loan. He/she has no income. He/she might complicates the processing of the loan. If you meet all of the criteria, it is best tha ... more
0 votes Share Flag Wed Oct 3, 2012 Home Buying in 95834
Micah Bagins…, Real Estate Pro in Sacramento, CA
Micah Baginski answered:
how do you know how much allowance to give to a tenant for tenant improvements on a new or existing office building?
There probably is no standard because the T.I. allowance is so integral to the overall lease attractiveness. Doing some research on your competition is the best way to find out how agg ... more
1 vote Share Flag Wed May 30, 2012 Investment Properties in 95834
Bob McClure-…, Real Estate Pro in Walled Lake, MI
Bob McClure- Real Estate Investing answered:
if i was a co borrower on a motgage would i still be able to qualify for first time home buyers
good afternoon...as kyle mentioned below....the tax credit has expeired...also, if you were on a mortgage (whether you lived in the home or not) you were also on title, if you were a co ... more
0 votes Share Flag Fri Sep 17, 2010 Home Buying in 95834
Jim Walker, Real Estate Pro in Carmichael, CA
Jim Walker answered:
I'm a first time buyer ,with a credit score over 800. I'm looking to purchase a 2-3 bedroom in Charlotte. I need some assistance in
Yes, Robin. LJ asked that question too. That is why I used the airline example.
0 votes Share Flag Sat Mar 20, 2010 Home Buying in 95834
Dianne Hicks, Real Estate Pro in Temecula, CA
Dianne Hicks answered:
I have a FICO middle score of 605. I was advised by my lender to pay down the two credit cards that I have in order to qualify for a mortgage. I
Krish321
Your lender has full knowlege of your situation regarding what you owe and what your percentage balances are for your card so they would be best to listen to.

Take VERY im ... more
0 votes Share Flag Sun Mar 14, 2010 Home Buying in 95834
Rosalyne, Home Buyer in Sacramento, CA
Rosalyne answered:
I am looking for a realtor to help me purchase a house in the natomas area.
try Alest Walker (916) 747-2156
0 votes Share Flag Sun Nov 16, 2008 Home Buying in 95834
Stew Keene, Real Estate Pro in Scottsdale, AZ
Stew Keene answered:
will I get financed if I put an offer on a bank owned home that does not have any appliances and no condenser?
Tony,

This is a question for your Mortgage Lender.

Best of Luck to you,

Stew Keene
Ph (480) 220-7491
Fax (866) 711 8573
StewKeene@yahoo.com
Keller Williams - Scottsdale, AZ ... more
0 votes Share Flag Tue Oct 28, 2008 Home Buying in 95834
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