Financing in Kansas : Questions & Answers

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Scott.sorter, Home Buyer in Olathe, KS
Scott.sorter answered:
I am looking for a private money lender in KS to do an owner occupied mortgage that can't go the conforming route
I am a Lender, however I am going to need to know why you cannot go the conforming route? I understand that sometimes it may be due to credit, BK forclosure or simply how income is sho ... more
0 votes Share Flag Tue Aug 11, 2015 Financing in 66215
Sblcbgconsult, Home Buyer in Kansas City, KS
Sblcbgconsult answered:
I have 6 SFH investment properties. I need a lender who can refinance me. I keep running into a 4 property max from lenders. Properties are in KS.
do u still need SFH funding.mail me details
0 votes Share Flag Thu Jun 25, 2015 Financing in Kansas City
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
I am looking into purchasing for the first time. Can I use my own credit union for financing?
Absolutely! You should probably check first with a bank or credit union you currently do business with. If they aren't able to approve you or you want to get a second opinion then get a ... more
0 votes Share Flag Thu Jan 8, 2015 Financing in Haysville
Clint Kegel, Home Seller in Topeka, KS
Clint Kegel answered:
What bank will give a mortgage for a small mortgage for an investment property in Topeka 66606?
Go to Envista Credit Union. They are very aggressive and eager to make real estate loans.
0 votes Share Flag Wed Sep 17, 2014 Financing in 66606
aprill.dinwi…, Home Buyer in Junction City, KS
aprill.dinwiddie asked:
How to choice a lender...? I have 1 borrower that says the do not charge any origination charges for a VA Loan, and paying points is not worth bringing down the interest rate .25%. And another that is charging $400…
0 votes Share Flag Wed Aug 27, 2014 Financing in Kansas
aprill.dinwi…, Home Buyer in Junction City, KS
aprill.dinwiddie asked:
Trying to decide which Lender to go with... I have 1 borrower that says the do not charge any origination charges for a VA Loan, and paying points is not worth bringing down the interest rate .25%. And another that is charging $400…
0 votes Share Flag Wed Aug 27, 2014 Financing in 66441
Brian Turner, Real Estate Pro in Leawood, KS
Brian Turner answered:
Do you have to have credit to get a loan?
There are loans where you don't have to have credit, can we look at your non-traditional credit.. Such as rent, car insurance, utilities, cell phone bill.. Keep in mind you can't have a ... more
0 votes Share Flag Wed Jul 23, 2014 Financing in 66720
Ken Schmidt,…, Real Estate Pro in Lawrence, KS
Ken Schmidt, MBA, REALTORĀ® answered:
If your credit score isn't high enough (620-640) will mortgage brokers tell you what you need to do to help raise your score or do you have to
Your question dips into a grey region in human nature. Yes, you could find a reputable mortgage broker who might help you; you might not. Rather than spend time judging the nature of ... more
0 votes Share Flag Tue Feb 4, 2014 Financing in Shawnee
Marcia Kelly, Real Estate Pro in Topeka, KS
Marcia Kelly answered:
how old is this hause?
What's the address? I can't tell you the age of the house until I know which house you're referring to.

Marcia Kelly
Keller Williams
Topeka, KS
0 votes Share Flag Thu Nov 7, 2013 Financing in 67901
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Construction loan.
You would not get a construction loan now and build in 3 years. Who can say what you qualify for in 3 years. Since we have no idea of your debts or credit we have no way to answer you a ... more
0 votes Share Flag Sun Sep 1, 2013 Financing in Mission Hills
John Samuel, Real Estate Pro in Gardner, KS
John Samuel answered:
can i qualify for a $7000 loan with 570 credit score?
If this is for a home purchase, no. And most lenders in the area will not do less than 30k for a mortgage, and that needs at least a 630 score.
0 votes Share Flag Sun Jul 21, 2013 Financing in 66104
Isaac Murphy, Real Estate Pro in Johnson County, KS
Isaac Murphy answered:
I went through a Chapter 7 Bankruptcy that was discharged one year ago. I have enough money to put 50% down. Can I get a mortgage anywhere?
I have a few lenders that would be able to work with you provided a few others metrics are met. Please call/text 913-390-3894 or e-mail and I would be happy to ... more
0 votes Share Flag Wed Jun 19, 2013 Financing in Gardner
Byron Tucker, Real Estate Pro in Wichita, KS
Byron Tucker answered:
VA loan in Wichita, KS. I have a 620 credit score
I just have to jump in here again, as there are a number of inaccuracies below. Yes, it is possible to obtain VA financing with that score, first and foremost. VA guidelines weigh heavi ... more
1 vote Share Flag Mon May 20, 2013 Financing in Wichita
Crist and Jo…, Real Estate Pro in Wichita, KS
Crist and Johnny Jackson answered:
My husband and I have paid $1200-$1500 in rent over the last 3-4 years of our life. We have had issues with getting a decent loan because his job
Usually your best bet is to find a hard money lender or folks like my husband and I who work with other investors in the local area flipping homes or have rentals. Yes, it has been dif ... more
0 votes Share Flag Mon Mar 25, 2013 Financing in Wichita
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Fha- How much money do i really need
Yes you can purchase with just the 3.5%. Even if you cannot negotiate the seller credit, your lender should be able to give you a large credit to offset closing costs in exchange for a ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Long Island
Debra Bondan, Real Estate Pro in Chanute, KS
Debra Bondan answered:
Is there any loans avaiable,for someone with little or no down payment?
Yes, a Rural Development Loan. Usually no money down. Nearest one to Chanute is in Iola. 620-365-2901, ask for Marilyn Dean.
0 votes Share Flag Thu Aug 2, 2012 Financing in 66720
Dominique Wi…,  in Clovis, CA
Dominique Wilder answered:
Are there any companies doiong 100% owner builder new construction loans?
If it's for investment I might be able to help. We do business loans for our clients that are currently in business or wanting to get started in business. Real Estate investors are in ... more
0 votes Share Flag Sat Jul 28, 2012 Financing in Kansas
LauraChaney, Real Estate Pro in Kansas
LauraChaney answered:
Does an appraisal for a refi stay on record if the refi doesn't close?
Please let me know if you would like more information about a short sale.
0 votes Share Flag Mon Jul 9, 2012 Financing in Manhattan
Matt Goodwin,  in Overland Park, KS
Matt Goodwin answered:
I'm a first time homebuyer, if i have a co-signer with the best credit score do i still have to put money down?
Most properties in Gardner are USDA eligible and will allow for up to 102% financing. There are income requirements to obtain a USDA loan so it might help to not have a co-borrower on ... more
0 votes Share Flag Thu Jul 5, 2012 Financing in 66030
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
If a homepath loan offers homepath reno loan, do you have to use the reno loan, or can you use just regular homepath loan?
No. If the home does not require it, you don't have to utlize the reno/repairs aspect of the Homepath.
0 votes Share Flag Tue Jul 3, 2012 Financing in Kansas City
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