El Paso County : Questions & Answers

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MichelleMorg…, Real Estate Pro in Hallandale, FL
MichelleMorgan1 answered:
can someone with bad credit get a home loan if this is the first time homeowner and can give 15%?
Purchase a Florida home 12 months after a chapter 13 Bankruptcy
Purchase a ... more
0 votes Share Flag Sat Apr 18, 2015 Home Buying in 79936
Melvin List, Real Estate Pro in Florida
Melvin List answered:
El Paso Fannie Mae My Community Mortgage
I would try a small mortgage broker in your area. Many larger correspondent lenders may price themselves out of the market with this program and not offer it. I would love to help but ... more
0 votes Share Flag Thu Mar 5, 2015 Home Buying in El Paso
Nora Moore, Home Buyer in American Fork, UT
Nora Moore answered:
Do I need that extra home insurance ?
Insurance can cover a lot of things, so it would be a good idea to see what kind of insurance they are talking about. If it's flood insurance and the house is in the desert, it's probab ... more
0 votes Share Flag Mon Feb 23, 2015 Home Buying in 79924
Gloria Donnon, Real Estate Pro in 08054
Gloria Donnon answered:
i spent 3000 from savings before closing but still have 12000 for down payment (5000), will this affect my loan?
Contact your lender to discuss this issue.
0 votes Share Flag Sat Feb 21, 2015 Home Buying in 79907
Brian J. Bur…, Real Estate Pro in El Paso, TX
Brian J. Burds answered:
I received a Sale Confirmation Questionnaire from our appraisal district. Wanting to know the amt paid for a home I purchased in Dec 2013.
Do not supply this information unless you would like for it to be used against you by the central appraisal district. You are correct this is a non disclosure state and it is the obliga ... more
0 votes Share Flag Sat Feb 21, 2015 General Area in 79935
Ekwoman, Renter in El Paso, TX
Ekwoman answered:
Possibly will be moving to El Paso and was wondering where is the midtown upper coming area to look for a rental ? I will be working at UTEP
Sunset Heights is adjacent to UTEP...it's older housing, one of the original neighborhoods in El Paso. Lots of older mansion houses converted to apartments. I moved here 6 months ago (r ... more
0 votes Share Flag Sun Jan 18, 2015 Rentals in El Paso
Phillip Madi…, Real Estate Pro in The Colony, TX
Phillip Madison answered:
Can I get an fha loan with score of 530?
I would recommend speaking with a lender as approval is based on more then just a credit score, but from my experience a 530 is more than likely to low.
0 votes Share Flag Tue Dec 30, 2014 Credit Score in El Paso
Arcangel3020…, Home Buyer in El Paso, TX
Arcangel302003 asked:
Fha, loan with 530 1 car loan 2 credit cards 1 furniture loan all current and furniture on january will be 1 year no missed payments
0 votes Share Flag Tue Dec 30, 2014 Home Buying in El Paso
John Hicks, Real Estate Pro in New Albany, OH
John Hicks answered:
If I'm a first time home buyer and have under 600 credit score, but have 20% down, can I still qualify for a home with low interest rates?
I can lend down to a 580 credit score. Since we are a federal direct national lender that took no bail out money we can get the best rates. I am a mortgage banker not a BROKER. Please c ... more
0 votes Share Flag Wed Nov 19, 2014 Home Buying in 79936
Raul Becerra…, Real Estate Pro in El Paso, TX
Raul Becerra III answered:
A house priced at $115,000 what would my monthly payment be including taxes and insurance with a fha loan in horizon city area
Did you get pre-approved? If not, getting it a great benefit when house-haunting. The pre-approval process will actually determine two things. First, the lender will determine if you ... more
0 votes Share Flag Tue Nov 18, 2014 Home Buying in 79928
Raul Becerra…, Real Estate Pro in El Paso, TX
Raul Becerra III answered:
Income VA and SS Disability for hubby. Me VA pay total income 6500 a month. Issue scores under 600 & has increased by 46 points. We need a loan ASAP.
I work with a lender that can do 500 FICO Va/FHA., Stated Income loans and a variety of other loans. Call me or email me to get you in contact with the lender.

My name is Raul 915. ... more
0 votes Share Flag Tue Nov 18, 2014 Financing in 79938
Michael Brow…, Real Estate Pro in Frisco, TX
Michael Brownstead answered:
If our mortgage falls through because of the appraisal, what happens to the down payment at the title company...it's about 20,000?
Typically, when a property does not meet a lender's underwriting requirements, such as an appraisal issue, the earnest money is returned to the buyer; this is not legal advice.
0 votes Share Flag Wed Nov 12, 2014 Financing in El Paso
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I've been self-employed for years, writing off every legal deduction. Now the bank tells me I don't make enough money!
As stated below, how you file your taxes can completely derail your chances of buying a home as a Self-Employment Borrower. Having said that, depending on your credit and the loan progr ... more
0 votes Share Flag Thu Nov 6, 2014 Financing in 79915
keren garcia, Renter in 79924
keren garcia asked:
andress high school This question was asked from http://www.trulia.com/rental/3076025910-NORTH-SKY-ADD-5917-Cielo-Del-Rey-Pl-B-El-Paso-TX-79924
0 votes Share Flag Mon Oct 13, 2014 Market Conditions in El Paso
Jeff and Kaye…, Real Estate Pro in 80132
Jeff and Kaye Piggot answered:
Can we buy ahouse from My father inlaw with money from the 401K.?
It's your money, so yes. If you are getting a loan for part of the money and you are taking a loan from your 401K you will need to qualify for that loan as well. Either way you need to ... more
0 votes Share Flag Thu Sep 18, 2014 Home Buying in 79915
Monica, Renter in 79762
Monica asked:
I have a 636 trans credit score, 679 Vantage credit score, and very good employment and payment history on my credit. however I have a tax lien on a wrap around title of a home that I am currently working with IRS to do an offer and compromise. Between me and my wife, we have combined income of 80K but her credit is not as good…
0 votes Share Flag Wed Aug 13, 2014 Home Buying in 79938
Irene Doming…, Real Estate Pro in 75211
Irene Dominguez answered:
79912 vs 79911: Pros vs Cons...

There are currently 693 resale and new homes in ZIP code 79912 on Trulia, including 3 open houses, as well as 35 homes in the pre-foreclosure, auction, or bank-owned stages of ... more
0 votes Share Flag Tue Aug 5, 2014 Home Buying in 79912
Anna Cosgrove, Real Estate Pro in El Paso, TX
Anna Cosgrove answered:
How are the Three Palms Apartments? Is this low income housing? Need some help here, moving to the area this weekend.
Good Afternoon Nathan,
It is not low income housing, but a new apt complex in a super busy, high traffic area of El Paso. If you want a condo in a less busy, wonderful side of town you ... more
0 votes Share Flag Mon Jul 7, 2014 Rentals in El Paso
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