Financing in New Jersey : Questions & Answers

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USMortgageRa…, Real Estate Pro in Austin, TX
USMortgageRanger answered:
New credit before getting mortgage???
Yes i would be happy to grant you a new mortgage, I am here to help you make the best decision for your family based on sound responsible financial guidance. I am available for an in d ... more
0 votes Share Flag Thu Dec 18, 2014 Financing in 07821
Tony Garcia, Real Estate Pro in Charlotte, NC
Tony Garcia answered:
Do you know any lenders that offer the "Fannie Mae Renovation Homestyle Loan" program in the Mechanicsville/Richmond Va area?
We offer them.

Feel free to email me at tony.garcia@banchomeloans.com to discuss.
0 votes Share Flag Wed Nov 19, 2014 Financing in 08817
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
VA loan advice on purchasing a willed family home.
Hi Seaandand4,

This is kind of a tricky situation. VA will not allow a cash out refinance on a property that is free and clear so the only way to get this done with a VA mortgage is ... more
0 votes Share Flag Thu Nov 6, 2014 Financing in 07008
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I am already financing a home but would like to buy another which is a little less expensive. What can I do?
It depends on if you are wanting to purchase and occupy the new property or just buy it as a secomd home, or as a investment. Either way it can be done just depends on your needs.

Be ... more
0 votes Share Flag Tue Nov 4, 2014 Financing in 08302
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
Can I get FHA loan on L1 visa without EAD?
Yes Carla you can be considered for several loan programs with your L1. Let me know if you have any additional questions.


Best of Luck!
0 votes Share Flag Sat Nov 1, 2014 Financing in Somerset
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Looking to a single family home. Purchase price up to $500,000. Down payment $50k. Will not sell my current home.How much can I afford. Credit 707.
For a personalized answer, you really should be visiting with any licensed loan officer, all else is really just speculation.
0 votes Share Flag Thu Oct 30, 2014 Financing in Hamilton Square
Aaron Claybr…, Real Estate Pro in Marlton, NJ
Aaron Claybrooks answered:
My fiancee and I are looking to purchase an unfinished home. We would like to borrow for the cost of the home AND for the construction costs as well.
Let us help you with your questions call me at 2158349750
0 votes Share Flag Mon Sep 22, 2014 Financing in Vernon
Vaibhav Sheth, Real Estate Pro in Norwood I-80, Sacram...
Vaibhav Sheth answered:
Is it a good idea to use my parents home to help pay for a new one.?
it is a good idea but you may get killed by mortgage and insurance they will be as an investment not as owner occupied let me know if you are in new jersey bergen county area thank you ... more
0 votes Share Flag Sat Sep 13, 2014 Financing in 07073
Vishal Maher…, Real Estate Pro in New Jersey
Vishal Maher Cell 732-277-9321 answered:
Do you know any lender who offers "FannieMae Homestyle Renovation Loan" program in central New Jersey ??
Hello Ketan,

Did you find a lender for 203k home loans ? I am also a Mortgage Loan Officer with Five Star Mortgage and we do offer a 203k renovation loan.
Feel free to contact us ... more
0 votes Share Flag Fri Sep 5, 2014 Financing in 08817
Nicolas Sand…, Real Estate Pro in Cherry Hill, NJ
Nicolas Sandoval answered:
I'm searching for options for a 30-yr., fixed-rate purchase mortgage in Cherry Hill. Excellent credit & no issues. I appreciate any
You are not asking as much as you may think. Both points you are considering are extremely important but should also be very easy for any mortgage lender to answer. Your Truth-in Lend ... more
0 votes Share Flag Thu Sep 4, 2014 Financing in Cherry Hill
Dorene Slavi…, Real Estate Pro in Culver City, CA
Dorene Slavitz answered:
Do all mortgages require a 20% down payment? I lost a lot of equity with the home I sold.... Not quit sure If I will be able to put down exactly 20%.
No, there are some 10% down programs out there. Just talk to your loan officer to find out about them. There are also FHA loans with a 3.5% down.
0 votes Share Flag Wed Sep 3, 2014 Financing in Northfield
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence answered:
How much will we be approved for, for a mortgage?
At a 50,000 high level view, appr 2% of your income. Add to that taxes and insurance and the total should not be more than 36% of your monthly income. That hugely vague number will repr ... more
0 votes Share Flag Fri Aug 8, 2014 Financing in Freehold
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I'm trying to buy a condo. I want to use my V A home loan benefit for the financing. Is it true that condo assoc. won't allow v a
To purchase a condo with VA financing it needs to a VA approved condominium, which you can find a searchable list of at https://vip.vba.va.gov/portal/VBAH/VBAHome/condopudsearch

If i ... more
1 vote Share Flag Wed Jul 30, 2014 Financing in 08077
Asma
Asma "Rosy" Naik answered:
I'm interested in a property that is listed for 119,900 but only appraised for 53,000.
Determination of an assessed value is a complicated process. A tax assessor (a licensed professional) gives an opinion of value in accordance with the basis of real property value recog ... more
0 votes Share Flag Sat Jul 19, 2014 Financing in 08071
Frank Coppola, Real Estate Pro in Manalapan, NJ
Frank Coppola answered:
Seeking a private Investor/lender to finance a residential mortgage on a home in central New Jersey.
I have access to private investors. Please call me at 732-585-5817
0 votes Share Flag Tue Jul 15, 2014 Financing in Matawan
Ray Stevens, Real Estate Pro in Naples, FL
Ray Stevens answered:
Moving to Toms River NJ from OK. Selling home in OK will have funds for home in NJ. Can I get a loan without employment when I arrive?
The ability to repay a loan is the most important aspect of a mortgage application. No lender will lend you money if you currently don't have a means to repay the loan.

If you have ... more
0 votes Share Flag Tue Jul 15, 2014 Financing in Toms River
Ron Shaffery, Real Estate Pro in 08753
Ron Shaffery answered:
How can I get the best rates for a home loan, without hurting my credit score (from multiple hard inquiries).?
Hello spapasa,

A common misconception is that every time your credit is pulled it gets "dinged". The Fair Isaac Model actually understands that people will "shop" for rates and co ... more
1 vote Share Flag Wed Jun 18, 2014 Financing in New Jersey
Theresa Nason, Real Estate Pro in Medford, NJ
Theresa Nason answered:
What banks refinance a mobile home in a rental park in NJ. I am unemployed and the unemployment has stopped. My husband and I have near perfect credit
there is specific financing for mobile homes. Only homes 25 yrs. old and younger qualify for financing. All older ones than 25 yrs. old must be purchased cash.
Email me at terry.naso ... more
0 votes Share Flag Tue Jun 10, 2014 Financing in 08318
Paul Callens,…, Real Estate Pro in Alpine, WY
Paul Callens, ABR, GRI answered:
If went through bankruptcy is it impossible to buy a home?
Have your agent look for homes where the owner will carry the paper while your re-establish your credit.
0 votes Share Flag Sun May 11, 2014 Financing in Sicklerville
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