Financing in Fresno : Questions & Answers

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Rosegudy, Home Buyer in Dallas, TX
Rosegudy answered:
How much should a typical FHA Streamline loan charges cost up front?
How long do you plan on being in your home? When it was financed in Sept 2009 what was the appraised value. Your Monthly MIP will be almost doubling on the new loan. But you will get ... more
1 vote Share Flag Thu May 21, 2015 Financing in Woodward Park
Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
Self Employed for one year. Possible mortgage loan?
Hi Nicco,

Is your business in the same line of work as your previous employment? You may be able to qualify for a portfolio loan which will require a larger down payment than convent ... more
0 votes Share Flag Tue Jan 27, 2015 Financing in Fresno
amberxpressc…, Other/Just Looking in Glendale, CA
amberxpresscreditrepair answered:
Going to give this a shot in hopes for so very usefull, honest feedback. My husband and I short sold our home with a close date of 2/28/2013, this
Contact me on information of disputing and removing your late payments, through our services I am confident in bringing you two some light at the end of the tunnel especially being your ... more
0 votes Share Flag Tue Jan 27, 2015 Financing in Fresno
Ali Qureshi, Real Estate Pro in Dublin, CA
Ali Qureshi answered:
Close cancelled after funding
It is not a very common situation to have the wire cancelled after funding and before recording. That said, it has happened with me in the past! First of all , find out why they cancell ... more
0 votes Share Flag Mon Jan 26, 2015 Financing in Fresno
Frank Manduj…, Real Estate Pro in Fresno, CA
Frank Mandujano answered:
I am looking for a home improvement loan to fix up an older home that I will be renting out?
Hello,

First of who owns this home? Second, do you have any equity and third give me a call or stop by my office. I am here in Fresno at Herndon and Palm. My phone number (559) 97 ... more
0 votes Share Flag Thu Feb 6, 2014 Financing in Fresno
Alex Greer, Real Estate Pro in California
Alex Greer answered:
We dont qualify for a loan modification, we are behind 2 payments and home is underwater...what are our options?
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in Fresno
Alex Greer, Real Estate Pro in California
Alex Greer answered:
What are the mortgage options for a person with bad credit, first time home buyer and has the opportunity for a va loan?
Check us out. TheMortgageOutlet.com
One of out mortgage officers will answer all of your questions and layout all of the options available to you!
0 votes Share Flag Fri Jun 28, 2013 Financing in Fresno
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Does a streamline mortgaga allow "application fees" upfront plus closing costs?
I am assuming you mean an FHA streamline. The answer is yes, what is not allowed is for your mortgage balance to go up. On VA streamlines almost all of the lenders are doing an apprai ... more
0 votes Share Flag Mon Jun 24, 2013 Financing in Woodward Park
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
if i have a a housing loan of $285,000 with 5.5 interest rate , how much will be my monthly payment
That interest rate is extremely high. Payment would also depend on if you are going FHA and paying PMIs every month or not. Contact me if you want me to connect you with a lender that ... more
0 votes Share Flag Wed May 15, 2013 Financing in Fresno
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
My adult daughter receives ssi. She lives with me and I am her legal guardian. Can I count her ssi as qualifying income for fha loan?
I would think yes. At least FHA will allow it.
0 votes Share Flag Wed Oct 31, 2012 Financing in Fresno
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
does private mortgage insurance increase on a new streamline loan? On a 240,000 30yr FHA I now pay 96.17/mo.
Hi Larry,

Please keep in mind that even if your mortgage insurance increases, you are required to save at least 5% over your current PI& monthly mortgage insurance payments before yo ... more
0 votes Share Flag Wed Oct 31, 2012 Financing in Woodward Park
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
2nd Home vs Investment Property
@Rob, First Answer, has given you the specific criteria lenders use for determining secondary versus investment properties. I would only add one criteria...and it is not "hard cod ... more
0 votes Share Flag Fri Jul 1, 2011 Financing in Fresno
Voices Member,  in
Voices Member answered:
Hi, I am about to start up a company (Inc.) which would be buying cheap real estate properties and rent
Check this web site www.sba.gov
0 votes Share Flag Mon Jun 27, 2011 Financing in Fresno
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
How do I find lenders that will consider a loan on a condo in a complex with less than 50% owned units?
We have a bank that has no occupancy restrictions with good rates and terms.

Happy funding, Rudi
0 votes Share Flag Tue Dec 7, 2010 Financing in Fresno
Catherine Be…, Real Estate Pro in Los Angeles, CA
Catherine Bedrossian answered:
My mother is carrying a loan for a condo she sold years ago in California but has lost the contract papers. Would they be filed with a state office?
It is not surprising that your mother does not have the documents. Many large financial institutions do not know where copies of their notes are. As has already been suggested, start wi ... more
0 votes Share Flag Sat Dec 4, 2010 Financing in 93727
Catherine Sa…, Real Estate Pro in Fresno, CA
Catherine Sawatsky answered:
I've excellent credit & have enough for 5-10% downpayment on a multifamily. Everyone I have been asking says that I've to have at least
Catherine Sawat...
Agent
Fresno, CA
BEST ANSWER
From what I understand, you can buy up to a 4 plex on FHA if you are going to reside in one of the units. This will help you take ad ... more
0 votes Share Flag Sat Nov 6, 2010 Financing in Fresno-High
Frank Manduj…, Real Estate Pro in Fresno, CA
Frank Mandujano answered:
I am married and the co-signer on our FHA mortgage but not on the deed. I am also a full time student but my
Hello renee,

I am a Loan Officer here in Fresno. If I were to help you and your husband with your loan, I would like to know the following:

1. Will you be occupying the new home? ... more
0 votes Share Flag Fri Oct 8, 2010 Financing in Fresno
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
Refinance or just pay additional money to your principal?
With types of questions I require my clients place all on spread sheet compare apples to apples come up with their own answers. Contact CPA who can also review your financial records

... more
0 votes Share Flag Fri Jul 24, 2009 Financing in 93727
Tara Steinke, Real Estate Pro in San Diego, CA
Tara Steinke answered:
I am trying to re-fiancing my house, so I found a broker to start the work. She first ordered an appraisal
Hi Joey,

I am an appraiser and yes, you are entitled to a copy of the report. HOWEVER, new guidelines came into affect on May 1 of this year which prohibits banks/brokerages from h ... more
0 votes Share Flag Wed Jul 1, 2009 Financing in Fresno
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