Financing in Irvine : Questions & Answers

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Pportoff, Real Estate Pro in San Jose, CA
Pportoff answered:
Is anyone doing 75% ARV Hard Money loans in California?? It is an REO with no rehab. I need anything close to $692k.
There aren't many lenders who would do that. In fact I've only found one that will go up to that LTV. However, at above 500K loan amounts I think they take it on a case by case basis. I ... more
1 vote Share Flag Thu May 22, 2014 Financing in 92602
Bill Cook, Real Estate Pro in Lake Forest, CA
Bill Cook answered:
Can i change my lender after i decided to work with builder's lender?
Sure you can change lenders with 30 days left. There are many lenders with 21 days closings. You should always shop for the best rates and terms. I hate to say it but some builders do l ... more
0 votes Share Flag Sun Jan 5, 2014 Financing in Irvine
Caroline Ger…, Real Estate Pro in Laguna Beach, CA
Caroline Gerardo answered:
Condo with HOA litigation
I can close a condo that is "unwarranted" The down payment requirements are greater and rate is higher.

What type of litigation? Copies of the ongoing litigation are available for a ... more
0 votes Share Flag Tue Dec 17, 2013 Financing in Irvine
Self Employed…, Real Estate Pro in Los Angeles, CA
Self Employed Mortgage Loans answered:
I am looking for stated income loan, 60% LTV, subject property IRVINE, CA FICO OVER 700, BEING IN BUSINESS OVER 16 YEARS SELF-EMPLOYED
Everyday we speak to self-employed people here in California that are successful and have good credit but are routinely turned down by banks and brokers when applying for a loan to purc ... more
0 votes Share Flag Thu Jul 25, 2013 Financing in Irvine
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
VA State Limits
Ryan

Instead of calling lender after lender you need to speak to a broker and lender service that knows the loan programs available with multiple lenders. I'd recommend T ... more
0 votes Share Flag Mon Jul 15, 2013 Financing in Irvine
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
Hello Experts - Dont want to go for an FHA- Is a conventional loan possible?
Yes but Instead of calling lender after lender you need to speak to a broker and lender service that knows the loan programs available with multiple lenders. I'd recommend The Lenders N ... more
0 votes Share Flag Sun Jul 14, 2013 Financing in Irvine
Ryan Dalton, Real Estate Pro in Columbus, OH
Ryan Dalton answered:
Has anyone had any success with doing an FHA streamline refinance?
Hi Elemento!

My favorite aspect of the FHA streamline program is how quickly a lender can close the loan for a potential borrower. Being that there is no appraisal and much less docu ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in 92618
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Does anyone do stated income mortages anymore?
Stated Income Loans we offer are from 80% LTV right now and rates starting from 4.99% so call to qualify in minutes. Here is a link to study and consider that I offer.

http://www.und ... more
0 votes Share Flag Thu Jun 6, 2013 Financing in Irvine Center
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
I am looking for brokers who would like a place to send their turn downs when they are unable to approve a clients loan request.
I could actually use a hard money lender that will assist borrowers with their owner occupied TDs. The problem is that most out there are operating in violation of the S.A.F.E act which ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Irvine
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Who will help me to resolve my High Balance loan? I have 1st and 2nd FRM. 1st balance is 576K and 2nd balance is 72K?
Hello Hiten, did you get er done?

http://www.under640ficoscoreloans.com/Pages/Refinance.aspx

http://www.under640ficoscoreloans.com/Pages/ContactSheryl.aspx
Sheryl Arndt, Real Es ... more
0 votes Share Flag Sat Jan 19, 2013 Financing in Irvine
MJ Omidbakhsh, Real Estate Pro in Orange County, CA
MJ Omidbakhsh answered:
Docs out, buyers native language is Mandarin, escrow doesn't have a Mandarin speaking notary, anyone know of a Mandarin speaking Notary in Irvine.
Try calling Everest Escrow @ 949-783-2430 They are located in Irvine and have access to most common used languages in OC.
0 votes Share Flag Thu Jan 17, 2013 Financing in Irvine
Nazila Pace…, Home Seller in Orange County, CA
Nazila Pace O'Flanagan answered:
We're thinking about buying a house in Mesa Verde in Costa Mesa. We need to get pre-approved and Wells Fargo and a small company called Alpine
Hello Fattery,

I have never used Alpine nor have I heard of them which sort of concerns me. I have been in the industry for years and I usualy know the names. One I know for sure th ... more
0 votes Share Flag Tue Nov 9, 2010 Financing in Irvine
Louwu, Real Estate Pro in Irvine, CA
Louwu answered:
How to get a mortgage for foreign income?
I specialize foreign nationals. I accept overseas unaudited profit and loss business statements (for S/E), limited or no credit history, verbal verifications of employment (both domest ... more
0 votes Share Flag Fri Mar 26, 2010 Financing in Irvine
Bentley Advi…, Real Estate Pro in San Mateo, CA
Bentley Advisors answered:
what does "Exception" mean after my mortgage broker run the loan application?
All lenders have guidelines for approval. If your loan or qualifications do not meet guidelines in any way, an "exception" may be allowed or req'd. This means that the ... more
0 votes Share Flag Sun Nov 15, 2009 Financing in 92618
Bob Phillips…, Real Estate Pro in Coto de Caza, CA
Bob Phillips - (949) 887-5305 answered:
If my parents refinance their home to get my name on the title, does that qualify me for the $8000 tax credit?
Hello Mcavallo, Unfortunately, that absolutely will NOT qualify you for the tax credit. You probably misunderstood what an agent was talking about.
0 votes Share Flag Wed Aug 5, 2009 Financing in 92620
Rj, Other/Just Looking in El Dorado County, CA
Rj answered:
Anyone have any experience (good or bad) with Trust One Mortgage bankers?
Did you use Trust One for your refinancing? I just started researching on FHA streamline refi. I received a letter from Trust One offering low FHA refi rates. After talking w/ them, the ... more
0 votes Share Flag Sat Apr 18, 2009 Financing in Irvine
Harrison K.…, Real Estate Pro in Irvine, CA
Harrison K. Long answered:
Can my interst rate be lowered before I sign my loan doc? Please advise!!!
Lei ... If you are not now working with a Realtor agent, please hire such an experienced and qualified person now. If you are using a Realtor on the buyer side, please have that person ... more
0 votes Share Flag Tue Dec 16, 2008 Financing in Irvine
Sandra Carli…, Real Estate Pro in 92660
Sandra Carlisle answered:
jumbo conforming loans
Good News about high conforming loan rates. They have finally come down to the very attractive levels that we had hoped for when they loan limits first changed. Here are the limits fo ... more
1 vote Share Flag Tue May 13, 2008 Financing in Irvine
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