Financing in Cuyahoga County : Questions & Answers

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mrspennyryan, Home Buyer in Cleveland, OH
mrspennyryan answered:
Cleveland, OH. I am looking for a mortage loan for $40,000 or less. Do not have perfect credit but it's not bad. Any advice?
Hello, Are you from Europe, Canada, Asia, America or England searching for a very Genuine Loan? At an affordable interest rate? Processed within 3 to 6 working days. Have you been turne ... more
0 votes Share Flag Thu Sep 25, 2014 Financing in Cleveland
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
Financing for investors
try hard money. Often you have to purchase at a deep discount.
0 votes Share Flag Mon Jul 14, 2014 Financing in Parma
Lance Holtman, Real Estate Pro in 80138
Lance Holtman answered:
Does owning a timeshare helps when applying for a mortgage?
Maybe, Maybe not.

Is it a line item o the credit report? Are payments made on time? (Good things)

Does the debt cause you to exceed the accepted debt ratio of the loan program y ... more
0 votes Share Flag Mon May 12, 2014 Financing in 44145
Kimberly Ann…, Real Estate Pro in Cincinnati, OH
Kimberly Ann Lawson answered:
We just got out of bankruptcy and still own home in southeast suburb. We want to sell this home and move to Euclid. What's the best way to do?
Hi Vanessa, It would depend on the Chapter (7 or 13) of bankruptcy you filed and the reason. If the reason for the bankruptcy isn't due to an allowable extenuating circumstance it could ... more
0 votes Share Flag Sat Feb 8, 2014 Financing in Euclid
Micah Riley-…, Real Estate Pro in 44224
Micah Riley-Local Expert answered:
Is there any private lenders in Cleveland Ohio? How do you find them?
I know of a couple private lenders. There are also "non-traditional" mortgage companies that will finance investors with non traditional financing. I am an investor and I bank with a ... more
0 votes Share Flag Thu Nov 14, 2013 Financing in Cleveland
Tony Garcia, Real Estate Pro in Charlotte, NC
Tony Garcia answered:
I am recently self employed about 6 months ago. I am working in the same field that I was as a w2 employee (8yrs in the field).
Jonathan,

You will need to wait until you have a minimum of 1 year of self employment, you will need to be able to document your income is at the same level or greater.
0 votes Share Flag Tue Oct 1, 2013 Financing in 44133
fb44145, Home Buyer in Wappingers Falls, NY
fb44145 answered:
I am looking for a lender to do an 80% cash out with 8 months seasoning on an owner occupied home in Ohio. Suprisingly having a tough time finding one
Call Franz Bauer at 440-320-5959. A 10 yr mortgage broker who also lives in Lakewood.
0 votes Share Flag Fri Aug 30, 2013 Financing in Lakewood
Ruthie Lowrey, Real Estate Pro in Brunswick, OH
Ruthie Lowrey answered:
how much has to be my income if i wanna buy a house and i want to take 90000 loan, please?
Mimi, so many variables to that. What is your downpayment? How long at your job? What is the monthly output for existing bills? What kind of house are you wanting to purchase? Do yo ... more
0 votes Share Flag Sat Aug 24, 2013 Financing in 44129
Phil377, Home Owner in Vancouver, WA
Phil377 asked:
I'm looking to borrow 30k for a 4 unit. I have 20% available for a down payment, and my closing costs. Any suggestions for a local or national lender that might do a loan like this? Both my wife and I have excellent jobs, income,…
0 votes Share Flag Fri May 3, 2013 Financing in Cleveland
Stacy Collins…, Real Estate Pro in Cleveland, OH
Stacy Collins Sr. answered:
Looking for private lender or blanket loan
Call me at 216-369-7755 to discuss your needs in more detail. I may have a resource for you.
0 votes Share Flag Wed May 1, 2013 Financing in Cleveland
Tal, Home Buyer in New York, NY
Tal asked:
Looking for private lender or blanket loan I have purchased property in cash 5436 Highland Rd
I'm from Israel and looking for a way to take a mortgage
Please contact me if you have loan programs that will work for me.
Thanks
Tal…
0 votes Share Flag Wed May 1, 2013 Financing in Cleveland
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Buying a house with garnishment on credit
If there is a garnishment, that means there is a judgement. In most cases the judgement would have to be satisfied in order to get financing. However, more information is needed in orde ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in 44125
Lenderbradfo…, Real Estate Pro in Cleveland, OH
Lenderbradford answered:
will iI be able to get conventional financing 3 years after banruptcy with one paid collection?
Lydia,

As Cecilia said, lender want to see 2 years after a bankruptcy for FHA Financing. With Conventional Financing and a Chapter 7 bankruptcy you need to wait for 4 years befo ... more
0 votes Share Flag Sat Mar 16, 2013 Financing in Cleveland
jhatcher, Both Buyer and Seller in Olmsted Falls, OH
jhatcher answered:
Is their any lender out there that will lend to a sub-par credit borrower?
I work with buyers and lenders of all different circumstances- I can tell you that buyers can be approved with a score at 580 and above. Of course the higher the score, the less risk t ... more
0 votes Share Flag Wed Jan 23, 2013 Financing in Olmsted Falls
Lisa Humenik, Real Estate Pro in 44017
Lisa Humenik answered:
Monthly cost of owning a condo
If you are looking to purchase a condo in Strongsville (at your highest price) at $100K, your payments would be approximately $450 (Principal & I), $150 (average condo maint), plus $200 ... more
0 votes Share Flag Tue Jan 15, 2013 Financing in 44136
Joseph Ferna…, Real Estate Pro in Arlington, TX
Joseph Fernandez answered:
I have found a property I would like to purchase (to rent out) that is under $20,000. Any idea of lenders that I can go through for help?
"MEETING YOUR NEEDS AND EXCEEDING YOUR DREAMS!"

That will be a tough one, I have had a few clients find lending through quicken loans online and have seen them lend as low as 35k how ... more
0 votes Share Flag Tue Dec 4, 2012 Financing in Cleveland
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
Looking for loan provider for non-resident alien in Ohio
Hello Thomas Su,

We offer these loans for individuals like yourself looking to purchase primary or second homes. We offer extremely competitive terms as well as an extremely quick tu ... more
0 votes Share Flag Tue Nov 27, 2012 Financing in Solon
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
My appraisal came in really low. What now?
Good afternoon Jana,

You'll need to discuss either with your existing Lender or with a local Mortgage Banker if you qualify to refinance under the HARP program. There is a provision ... more
0 votes Share Flag Thu Sep 27, 2012 Financing in Strongsville
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
What are the choices in pursuing home loans? I was preapproved for an FHA Loan. But I find the process of pleasing the underwriters exhausting.
1sttymbuyr, James is correct. These days the underwriting approval process, in terms of the amount of documentation you must provide, is very similar whether you are going for an FHA, ... more
0 votes Share Flag Tue Sep 18, 2012 Financing in Euclid
Lenderbradfo…, Real Estate Pro in Cleveland, OH
Lenderbradford answered:
Will we get approved for a FHA or a first time home buyers loan?
Jesse,

Based upon the information you presented, it would appear that you would qualify for the 130,000 Mortgage. As a lender in the Cleveland Area, I would be glad to answer any ... more
0 votes Share Flag Thu May 24, 2012 Financing in Cleveland
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