Financing in Harrisburg : Questions & Answers

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Reb214, Home Buyer in Chambersburg, PA
Reb214 asked:
Construction to Perm loan in PA? We are looking to build in the near future in Chambersburg, PA area. Home with land will probably run $500-550k. To clarify, we would be buying the land and having builder build. We don't…
0 votes Share Flag Tue Jul 28, 2015 Financing in Harrisburg
Ed Groussman, Real Estate Pro in Parsippany, NJ
Ed Groussman answered:
Is it possible to get a loan with credit scores between 588 and 650?

I can finance FHA and VA loans down to a 580 Fico Score.

Feel free to contact me anytime.

Home Point FInancial
egroussman@homepointfinanc ... more
0 votes Share Flag Thu Jul 2, 2015 Financing in Harrisburg
Ron Scrib, Real Estate Pro in ,
Ron Scrib answered:
Is it beneficial to resign a 30 yr mortgage after living in the house 4 years? Will losing years benefit us in the future?
What exactly are you trying to say? Are you doing a refinance? if so (your post is confusing) sure it is if you are lowering your rate and the reduction in payment is beneficial to you.
0 votes Share Flag Fri Apr 18, 2014 Financing in 17109
William Morr…, Real Estate Pro in ,
William Morrow answered:
If my current mortgage is more than what my house is currently worth can I not look into a 15 year fixed rate?
Why do you not just accelerate your current payments? This would in essence reduce your commitment term to 15 years or maybe less. There are multiple benefits to this as well. First y ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in 17109
rlowry,  in Harrisburg, PA
rlowry answered:
will usda waive the requirement whereby the well must be 50 feet from the septic if the lot is too small and cannot accomodate such distance?
PHFA would that work, if its more than 75 but less than 100 ft?
0 votes Share Flag Sun Feb 24, 2013 Financing in Harrisburg
Christopher…, Real Estate Pro in New Cumberland, PA
Christopher Jordahl answered:
Need out of high mortage and association dues and into something lower!
Hi Miller,

I would be happy to sit down with you and your family and discuss your situation. I can also set you up with some great financial institutes so you can see what you could ... more
0 votes Share Flag Thu Dec 20, 2012 Financing in Harrisburg
Djyamaki, Home Buyer in Harrisburg, PA
Djyamaki answered:
What can be done if appraisal is rejected by underwriting because they did not like the comps? I paid $600 for the appraisal.

We recently had something similar happen to us when purchasing a home that didn't fit the local mold. The "comps" had to be adjusted by too great a percentage to be allowed as ... more
0 votes Share Flag Fri Aug 31, 2012 Financing in 17112
Phil913, Home Buyer in
Phil913 asked:
How to get a residential land loan in the Harrisburg area? Lenders? We are looking to buy improved land in the Harrisburg area however are struggling to find finacning options and lenders. Any suggestions/ideas?
0 votes Share Flag Tue Jul 17, 2012 Financing in Harrisburg
Tom Bohlmann, Real Estate Pro in Wake Forest, NC
Tom Bohlmann answered:
Despite having 10.1% equity, credit scores greater than 740, proof of insurance, etc., I was denied mortgage insurance on my condo. What should I do?
That is unfortunate

But Condo's must be FHA certified these days.

As yo mentioned the high level of delinquencies for HOA and the number of investors, non owner occupants, makes C ... more
0 votes Share Flag Wed Jun 6, 2012 Financing in Harrisburg
Jerry Kensin…,  in Harrisburg, PA
Jerry Kensinger answered:
PHFA Lending for bad credit?
If you paid off all your collections your scores should begin to climb. There are several factors that can affect your credit score such as your payments history, number of open tradel ... more
0 votes Share Flag Tue May 3, 2011 Financing in Harrisburg
Vincent James,  in Harrisburg, PA
Vincent James answered:
I need an agent and or a lender that knows about the Section 8 homeownership program in Harrisburg Pa, please.
Hi I may be able to help you, apart from section 8 there are other programs here that you can benefit from,
give me a call at 717 364 7337 .
0 votes Share Flag Sat Feb 5, 2011 Financing in Harrisburg
Alan Openshaw, Real Estate Pro in Southampton, PA
Alan Openshaw answered:
I need 80-85% LTV to refi an investment property in PA. No one is going above 75%...Can anyone help?
Hello Kvgorman,

I have local lenders in Bucks County that will go to 80% even on cash out but not for properties in Harrisburg.
Check your local banks. You will find someone that wi ... more
0 votes Share Flag Tue Oct 26, 2010 Financing in Harrisburg
Corry Shadle, Real Estate Pro in Elizabethville, PA
Corry Shadle answered:
looking at a home, possible mobile with addition, what are financing possibilities?
I know of 2 lenders who you could use to finance a mobile on a foundation. You may need a higher down payment. Feel free to contact me for more info.
0 votes Share Flag Wed Sep 8, 2010 Financing in Harrisburg
Voices Member,  in Benton County, OR
Voices Member answered:
Do you think interest rates will go up next year?
"but they don't make enough to support an increase in values."

It's always first things first Keane....First you find a way to stablelize values then increasing v ... more
1 vote Share Flag Fri May 28, 2010 Financing in 17112
William Rudge, Real Estate Pro in ,
William Rudge answered:
Refi w/cash out or wait?
Needmorespace. It all depends upon what your priorities are? If buying another home for more space is your true priority then if you are ready to do so now is the best time to buy ano ... more
0 votes Share Flag Sat Apr 10, 2010 Financing in 17112
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
why is it beneficial to close an FHA mortgage at the end of the month?
Paul by the way if your seller has a FHA mortgage they pay interest for the entire month not just to day of closing. So if you are closing out a FHA mortgage your client would not " ... more
0 votes Share Flag Thu Mar 18, 2010 Financing in Harrisburg
Unhappybuyer, Home Buyer in Harrisburg, PA
Unhappybuyer answered:
Two days before closing and bank is changing rates? Can they do this?
hey wanted you to know that the bank came through and did the right thing. I did converse with an attorney who advise me to stand our ground. I told the bank that we would walk away fro ... more
0 votes Share Flag Fri Sep 25, 2009 Financing in Harrisburg
Christopher…, Real Estate Pro in Spring City, PA
Christopher Benedict answered:
i am looking at moving to harrisburg from england and i would like to enter the buy to let market,
The best way to finance these properties is with at least 20-30% down. You will get the best rates, and most likely be able to enjoy some positive cash flow.
0 votes Share Flag Tue Mar 25, 2008 Financing in Harrisburg
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