El Paso County : Questions & Answers

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Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
what if your credit score is 520 who will finance? If you through a bankruptcy will a lender give you a mortgage?
With that credit score you would still be able to obtain a loan through a hard money lender. Higher rates than conventional and a down payment of around 25% will be required but you don ... more
0 votes Share Flag Mon Jun 29, 2015 Home Buying in 79821
Siobhanschei…, Home Buyer in New York, NY
Siobhanscheier asked:
How can I find a realtor to help me find a rental home My husband and I have terrible credit but can easily pay rent up to 1000 a month he is retired? military. We can't seem to find a realtor willing to work with us and our current lease is almost coming to a close. Is there a website or certian realtors that specialize in this area?
0 votes Share Flag Mon Jun 22, 2015 Rentals in El Paso
Erin and Lor…, Real Estate Pro in El Paso, TX
Erin and Lorena Salsbury answered:
My income is $48,000 year, my credit 660 im 26 years old, my hisband has bad credit his 35 his income is $50,000 can i qualify for a hsa by myself ?
Hello, This is a great question and one that other home buyers often ask me as well. In order to know exactly how much home you can buy, a licensed mortgage loan originator is your best ... more
0 votes Share Flag Sun May 31, 2015 Financing in El Paso
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
What can I do to add value to my home?
Hi David,
Too big a question to answer here. It depends on what your home looks like, needs and you can afford.
0 votes Share Flag Wed May 13, 2015 Home Buying in 79934
djennifer009, Other/Just Looking in Salt Lake City, UT
djennifer009 answered:
Do I need that extra home insurance ?
It depends on what your original plan already covers. If I were you, I'd go into my insurance company and ask them to compare the insurance. If there's an important difference, then it ... more
0 votes Share Flag Tue May 12, 2015 Home Buying in 79924
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
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
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