Financing in San Diego County : Questions & Answers

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Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
How can a Canadian without residency get a $200K mortgage on a 2nd home property in San Diego?
Hi Eric,

You may be able to qualify for a foreign national loan.

Best regards,

Elva A. Wormley
Mortgage Consultant
Office: (408) 615-8500
C2 Financial Corporation
2845 Moo ... more
0 votes Share Flag Sat Jan 17, 2015 Financing in 92139
John Arendsen, Real Estate Pro in Encinitas, CA
John Arendsen answered:
How hard is it to get financed for an older mobilehome?
It's extremely difficult to get adequate and fair financing on a pre HUD (June 15, 1976 or earlier)
0 votes Share Flag Sat Jan 10, 2015 Financing in Chula Vista
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
Can a California loan officer do refinance loans in Texas?
If licensed in Texas, but make sure your loan officer is licensed in Texas before moving forward.
0 votes Share Flag Fri Dec 26, 2014 Financing in San Diego
Charanjeet A…, Home Buyer in Fremont, CA
Charanjeet Ajmani answered:
US Citizen abroad seeking to secure loan for home in SD. How can I get a mortgage?
Yes, Timothy you will easily qualify. Yes, your foreign income and assets will be verified prior to pre-qualification. In many ways you are in a stronger position compared to other fore ... more
0 votes Share Flag Thu Nov 20, 2014 Financing in San Diego
Mark Leach, Home Buyer in Pine Bluff, AR
Mark Leach answered:
Any Commercial Real Estate Brokers that need an experienced Commercial Lender ?
Where can I get a loan for commercial real estate? Is that kind of loan still considered a mortgage? What are the interest rates on this type of loan?
Mark Leach | http://www.nbsfinanc ... more
0 votes Share Flag Wed Nov 19, 2014 Financing in San Diego
Charanjeet A…, Home Buyer in Fremont, CA
Charanjeet Ajmani answered:
Can I get a mortgage without ssn or itin?
Hi There,

Yes, you can. Here is the list of top mortgage bankers in California to work with. The down payment requirement is slightly higher and interest rates too. But it is doable ... more
0 votes Share Flag Thu Nov 13, 2014 Financing in 92101
Cindy Davis, Real Estate Pro in San Diego, CA
Cindy Davis answered:
home equity loans
Honestly, your best bet is to clean up your credit. If you have 'bad credit' I recommend you pay off collections and pay down credit card balances. It makes no sense to borrow more mon ... more
0 votes Share Flag Tue Oct 28, 2014 Financing in Vista
RJ Leal, Real Estate Pro in Chula Vista, CA
RJ Leal answered:
I am looking for a portfolio loan which doesn't require a 7 year seasoning period after a foreclosure. Any ideas about a product that fits my needs?
You should be able to get an FHA loan after 3 years from a foreclosure.
0 votes Share Flag Wed Sep 24, 2014 Financing in 92101
services.48h…, Renter in East Bayside - India...
services.48hoursloan answered:
I want buy a house cost $250000 and I can pay $50000 downpayment. how much should my income to be qualified for a $200000 mortgage?
Contact our representative via e-mail address: services.48hoursloan@yahoo.co.uk
0 votes Share Flag Wed Sep 3, 2014 Financing in 92020
1mikemichelle, Home Buyer in San Marcos, CA
1mikemichelle answered:
Jumbo refi eligibility in San Diego county question???
How big is the loan/loan size? I'm a mortgage lender of 25 years. Also have a jumbo investor with good rates that is less fico driven

Mike
707-529-5870
0 votes Share Flag Sat Aug 30, 2014 Financing in 92010
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Looking to refinance a condotel loan for a 450 square foot unit that "some" might consider a studio instead of a one bedroom. Advice or suggestions?
Yes - Wells Fargo and I do loans on Condotels. CAll or email 858-805-5347 bryan.horn@wellsfargo.com
0 votes Share Flag Mon Aug 18, 2014 Financing in San Diego County
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
My refi lender requires a copy of pending litigation between my HOA and a homeowner to insure it's not construction defect or suing the builder.
Send me the name of the HOA and the address of the unit and I'll check to see if Wells Fargo has approved any loans in that building in the last year.
0 votes Share Flag Mon Aug 18, 2014 Financing in 92123
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Are there any loans out there for a refi if our home is under about $14k and does not qualify for harp because not Fannie Mae? Quicken said no.
Do you currently have an FHA or VA loan?

Both have a refinance option that does not require you to have any equity.

Shane Milne | Lending in all 50 states | NMLS #81195
shane@the ... more
0 votes Share Flag Fri Aug 1, 2014 Financing in 92021
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Mortgage loan for J1 Visa holder?
The people that answered yes apparently don't know what a J-1 visa is. I highly doubt they have a program that will lend to under the circumstances you describe.
0 votes Share Flag Sat Jul 26, 2014 Financing in 92127
Teri Andrews…, Real Estate Pro in Auburn, CA
Teri Andrews-Murch answered:
Mortgages on pre-1976 mobile homes on owned land?
For owned land with a older mobile on it one lender suggested a land loan (mobile at no value). If located in a registered mobile home park you may be able to get a loan, try First Pa ... more
1 vote Share Flag Thu Jul 10, 2014 Financing in San Marcos
Gordon Hagem…, Real Estate Pro in 85298
Gordon Hageman (602) 552-6421 answered:
if my credit is poor is it impossible to get a conventional home loan? are there private investors who lend?
Great Question!

There are private lenders who lend, but many times their terms are not favorable to the buyer.

I would recommend contacting Steven Sakofsky he will be able to answ ... more
0 votes Share Flag Sat Jun 28, 2014 Financing in Escondido
Christopher…, Real Estate Pro in San Diego County, CA
Christopher Spade answered:
Looking for lenders in San Diego that will do an investment property loan for a 5 units rental property in North Park. Down payment 35%. FICA 780.
If you are still looking let me know. I have several lenders that could help you.

Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
619-818-2992
0 votes Share Flag Sat May 31, 2014 Financing in San Diego
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Hi, I am interested in buying an SRO in NYC. There are tenants on the property, so my bank is not interested in lending. My credit score is over 800
this is a borderline scenario that we need more answers. feel free to contact me. thanks
0 votes Share Flag Thu May 22, 2014 Financing in 92101
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Rumors of 5% down for jumbo loans?
We offer a 90% JUMBO loan up to 1 Million. This program is available nationwide with a 680 credit score or better. Additionally, we have a pledged assets program up to 5 Million, this p ... more
0 votes Share Flag Tue May 20, 2014 Financing in San Diego
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