Financing in Gilbert : Questions & Answers

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Gordon Hagem…, Real Estate Pro in 85298
Gordon Hageman (602) 552-6421 answered:
Trying to get a loan
You have provided a ton of great information.

I would recommend speaking with a reputable local mortgage lender.

They will be able give you solid advice as to what "to do" and wha ... more
0 votes Share Flag Mon Jul 14, 2014 Financing in 85298
Sanjeev Ahuja, Real Estate Pro in Floral Park, NY
Sanjeev Ahuja answered:
Refinancing. Banker vs. Broker. Broker vs. Broker Help
If you current loan is conventional and you are not looking to change the loan type (ARM to Fixed) or term (30 year to 15 year etc), and you rate is same or below the prevailing rates t ... more
0 votes Share Flag Wed Mar 19, 2014 Financing in Gilbert
Shawn Rogers, Real Estate Pro in 85297
Shawn Rogers answered:
if I have a foreclosure on my record from 3 years ago can I buy a home with only 5% down ? and still get a 15 year fixed my credit is 720
I asked our strategic partner, lender, Mr. Chase McLane at People mortgage and he said this: "they can get an FHA mortgage with 5% down and a foreclosure on their record however ... more
0 votes Share Flag Thu Jul 11, 2013 Financing in 85233
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller PLLC answered:
Any lenders out there willing to loan to Canadians for investment Real Estate in Arizona? I have clients...
Yes, there are lenders that will loan to Canadians. Have you spoken directly with anyone yet? One of my clients used a firm that he quite liked.
0 votes Share Flag Thu May 16, 2013 Financing in Gilbert
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, CMPS answered:
Financing cash-out wanted by non-resident (investor of property located in Phoenix, AZ)
Hi Gary,

There can can up to 30 different criteria for quoting a rate. Bill gave you some good answers regarding anyone providing you an interest rate. You also mentioned that you(? ... more
0 votes Share Flag Sun Mar 24, 2013 Financing in 85296
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
FHA offset carry of rental
Funindasun - not sure where you read about 29/41% ratios. On a manual underwrite (the most strict type of underwriting review for an FHA loan) ratios are expected to be no more than 31 ... more
1 vote Share Flag Sun Jan 13, 2013 Financing in 85298
Marie Wagner, Real Estate Pro in Arizona
Marie Wagner answered:
Can you recommend a reputable Mortgage Lender for a HARP?
We are experienced at doing the HARP program loans. We have flexible hours that will work with your schedule and are committed to superior customer service. Call me today.

Marie Wa ... more
0 votes Share Flag Thu Sep 20, 2012 Financing in 85234
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
Financing question
Joe -

I'm glad everything worked out for you. Merry Christmas.

Brian Cardenas
Sr. Mortgage Loan Originator
1st Rate Home Mortgage, Inc.
Mobile: 480.233.7897
0 votes Share Flag Wed Dec 28, 2011 Financing in Gilbert
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
Is the loan "5/1 ARM OVER 30 YEARS " THE SAME AS " a loan amortized over 30 years, with a 5 years ballon ?" THANKS!
Matt nailed it! One item the balloon may have that he didn’t mention is a conversion clause. Some balloon products contain an option to roll it over to a fixed rate 25 year loa ... more
0 votes Share Flag Tue Nov 22, 2011 Financing in Chandler Ginning
Stephanie We…, Real Estate Pro in Gilbert, AZ
Stephanie Weiss answered:
Anyone can refer a mortgage broker offering loan for Canadian investors? (I want to buy a SFH for investment in AZ ASAP ) Thanks!
My foreign investors are using:

Scott Mendez
Mortgage Banking Officer
NMLS# 595263
1 vote Share Flag Mon Nov 21, 2011 Financing in Chandler Ginning
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
690 Credit Follow-On Questions Gilbert, AZ on Financing 2nd Home. 1. I have zero debt. 2. This own will be my own with no co-signers. 3. I would like
All the previous answers are all correct. You would be best served with a conventional loan to avoid mortgage insurance. To answer your specific question - if you are getting 20% gift ... more
0 votes Share Flag Thu Oct 13, 2011 Financing in Gilbert
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
At 1% origination fee on a $220,000 refi, why are they charging me $3,325 origination? The math doesn't work. I have a conforming loan,
Most likely because you are looking at the GFE and what is listed on the GFE on page 2, box #1 is the origination fee plus lender fees such as underwriting and processing if applicable. ... more
1 vote Share Flag Sun Oct 2, 2011 Financing in 85233
Branka Knapp, Real Estate Pro in 85260
Branka Knapp answered:
I jsut want to rent one of these cute little condo's in either Park Place Village in Gilbert,Az or Arbour Walk located in Gilbert.I AM NOT
Hi Myra,

If you have a job/income/cash, you should be able to find a nice rental. What is the reason that the banks would not loan to you? Every situation and circumstance is differe ... more
0 votes Share Flag Thu Jul 14, 2011 Financing in Park Place Village Condominium
Jose Dias, Real Estate Pro in Phoenix, AZ
Jose Dias answered:
OK, my credit score is finally at a 627 middle and i want to purchase a home using my VA entitlement
Dear Steven,

Your loan officer keeps referring to FHA probably because this is the product he is most familiar with. I would strongly encourage you to make sure he has done VA transa ... more
0 votes Share Flag Mon Jun 27, 2011 Financing in Gilbert
Brian Carden…, Real Estate Pro in Scottsdale, AZ
Brian Cardenas answered:
If i am married in the state of Arizona and i am trying to purchase my first home, do i HAVE to put my wife on the loan with me?
Steven -

I answered before, but I have seen some agents give you answers to your financing question that are not exactly accurate. I strongly suggest talking to a mortgage broker fi ... more
0 votes Share Flag Fri Jun 24, 2011 Financing in Gilbert
Jeff Masich, Real Estate Pro in Scottsdale, AZ
Jeff Masich answered:
Are there any programs available for a First Time Homebuyer trying to do an FHA loan?
Dear Steven:

Yes, See this link for more information: Often it is less expensive to buy than rent in the current environment.

... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 85296
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Are there any lenders that will do a VA home loan with a 600 Middle score?
Yes there are lenders that go down to a 600 score (even lower) for VA financing, but equally as important as the credit score is what is on credit that is leading to the 600 score (vs. ... more
0 votes Share Flag Tue Jun 14, 2011 Financing in Gilbert
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
What is the Minimum middle credit score required for a VA home loan. Looking to purchase A.S.A.P, tired of paying someone elses mortgage. (renting)
Hi, Steve. Your credit score alone is not everything or enough. Your credit history is a major factor as well. Before you send someone your personal financial information, have that ... more
0 votes Share Flag Thu Jun 9, 2011 Financing in 85296
Doug McVinua, Real Estate Pro in 85295
Doug McVinua answered:
Like to sell our home and move into a more spacious home that is better suited to our family. Currently upside down on our home loan. Any ideas?

Did you get the answer to the questions you ask or would you like to explore it further?


Arizona Homes For Sale by a Guy from Iowa
0 votes Share Flag Wed Jan 5, 2011 Financing in Gilbert
Scott Mendez, Real Estate Pro in Phoenix, AZ
Scott Mendez answered:
How can a Canadian get a loan in Arizona? Thanks
I work for BBVA Compass and we offer loans for Candians in Arizona up to $1 million.

Please feel free to contact me if you would like some more information.

Thank you,
1 vote Share Flag Sun May 2, 2010 Financing in Chandler Ginning
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