Financing in San Ramon : Questions & Answers

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Alex Greer, Real Estate Pro in California
Alex Greer answered:
Is 90 % ltv equity loan available?
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in San Ramon
Alex Greer, Real Estate Pro in California
Alex Greer answered:
What is our chance with a lender if we have 2 loans with them?
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in San Ramon
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
Does anybody know of any lender who does a "no PMI" loan with 10% down?
Ishaq,

As already mention, lender paid mortgage insurance is an option; however, the interest rate will be higher. Single premium buyer paid mortgage insurance is another option, if ... more
0 votes Share Flag Wed Aug 14, 2013 Financing in 94582
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
What is th limit of Jumbo Conforming loan in WIndemere San Ramon for 2011? 729k or 625k ?
$729,950 for FHA which allows a smaller down payment of 3.5% with a 580 or higher score.
0 votes Share Flag Sun Jul 28, 2013 Financing in San Ramon
John Juarez, Real Estate Pro in Newark, CA
John Juarez answered:
im trying to get a home equity loan. im currently unemployed. can i get a cosigner.?
@NJ9000

It is John and not Juan.

I understand what you are saying but you strategy is no going to convince a lender that you are a good risk or a co-signer to be foolish enough to ... more
1 vote Share Flag Tue Jun 25, 2013 Financing in San Ramon
Rick Lane, JD, Real Estate Pro in San Ramon, CA
Rick Lane, JD answered:
looking for private money, collateral is fully paid investment home.
Iron Oak Home Loan has many programs in this area. Very nice, experienced people who will work hard to get you what you need.

Please call Rich Mendoza, (925) 803-2465, rich@richmend ... more
0 votes Share Flag Fri May 24, 2013 Financing in 94582
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Is it time to get another lender? Is it okay to have 2nd lender work on it while the 1st lender trying to close? Any cost/legal issues ?
It only takes a few dozen questions to qualify you and go over your options, rates, terms and timeframes. Here are some links to study and consider that I offer.

http://www.under640f ... more
0 votes Share Flag Mon May 13, 2013 Financing in San Ramon
Lowell Sterl…, Real Estate Pro in Plano, TX
Lowell Sterling answered:
im considering refi i'd like to know what banks would have the lowest closing costs and best rates avalable
Hello,

In order to get the best rates and terms on a mortgage you will need good credit 720+ good DTI and some equity in the home and it must save you money in order for any lender t ... more
0 votes Share Flag Sun May 12, 2013 Financing in San Ramon
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski 858-922-7899 answered:
10% down in San Ramon
Hi,

You have a lot of options. 10% down is the sweet spot I believe, as it is a lot less money than 20% down yet the mortgage insurance is much lower than 3% or 5% down options. Le ... more
0 votes Share Flag Sat May 11, 2013 Financing in San Ramon
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Hello , i am looking mortgage like hard money , i can give 20% down , purchase price 750k , deadline april29, if you can help me plz email me , thanks
Hello Andrey, You may qualify for FHA 10%-20% down with fico scores between 500-579 and 3.5% down and as low as half percent down from a minimum 580 fico score. It only takes a few doze ... more
0 votes Share Flag Thu May 9, 2013 Financing in San Ramon
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Can anyone let me know if there is a no cost refinancing program? I am hearing conflicting info frommy wife.
Yes all lenders have them.

The no cost option always has a higher rate and so they are never free.

What you need to do is compare the monthly savings on the loan with closing co ... more
0 votes Share Flag Thu May 9, 2013 Financing in 94582
GraceLoan.com, Real Estate Pro in Dublin, CA
GraceLoan.com answered:
do you look at uniform commercial codes on credit report.?
The UCC deals primarily with transactions involving personal property (movable property), not real property (immovable property). are you looking for home loan or can you be more specif ... more
0 votes Share Flag Thu May 9, 2013 Financing in 94582
Vaioman, Home Buyer in San Ramon, CA
Vaioman answered:
Any one used closeyourownloan.com?
these guys are slimy sales people. do not use them. i went with them and after 2 months of excuses and false advertising; i decided not to go with them. it is all about sales and the ... more
0 votes Share Flag Mon Apr 1, 2013 Financing in San Ramon
grannygreat4…, Home Buyer in Calumet City, IL
grannygreat428 answered:
My credit scores are in the low 600s. Is it still possible to get a mortgage loan? What about with a co-signer?
I am trying to buy a short sale home under 30 k with 10 k down payment . My credit score is 570.
What are my chances of getting the balance financed ?
0 votes Share Flag Mon Aug 27, 2012 Financing in San Ramon
Benjamin Whi…, Real Estate Pro in Southern Pines, NC
Benjamin White answered:
Can I trust the lender in this scenario, where paper work is different from what was negotiated via phone/email ?
Never sign anything that does not reflect what you are told!!!!!!!!!!!!!!!! This is certainly a RED flag if I ever saw one. The GFE should reflect what your closing cost should be and ... more
0 votes Share Flag Thu Jul 21, 2011 Financing in San Ramon
Jeanne Feeni…, Real Estate Pro in Basking Ridge, NJ
Jeanne Feenick (908) 337-0943 answered:
Is it smart to work with 2 different lenders side by side when getting a new home loan?
Do your research before you submit your application and start spending money. If you are trying to play "rate", do that work up front, and really focus on an apples to apples ... more
0 votes Share Flag Fri Mar 4, 2011 Financing in San Ramon
Erica Starkey, Real Estate Pro in Contra Costa County,...
Erica Starkey answered:
I'm considering using my VA benefit to finance a home purchase. What do I need upfront from my military records for this? HD in '03 if that
Chris,
if you would like the names of some good lenders that handle these loans I would be happy to pass them along.
Best,
Erica

Erica Jones Starkey
Broker, Co-Founder
JSCA Rea ... more
0 votes Share Flag Mon Feb 22, 2010 Financing in San Ramon
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
Will I have to pay PMI on my new VA loan? Because I only plan to put 5% down.
Chris

All the answer are spot on, and to add to them. If you recieved some type of disability in the line of duty that the VA deemed to be greater than 10%, you can also be exenpt ... more
0 votes Share Flag Sun Feb 14, 2010 Financing in San Ramon
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Which is a better way to buy? 5%FHA with 5% emergency backup? Or 10%down Conventional loan with no emergency backup?
How about $100 down and 10% backup for emergency reserve. You don't need reserves for FHA loans, but the good thing is the down payment is only 3.5% or $100 down if it's a rep ... more
0 votes Share Flag Wed Feb 10, 2010 Financing in San Ramon
Sudhir Matth…, Real Estate Pro in Fremont, CA
Sudhir Matthew - Fremont CA answered:
Reg. $8K federal tax credit
Hi Fixer Sixer,
I am sending you a link from NAR - National Association of Realtors.

http://www.realtor.org/government_affairs/gapublic/homebuyer_tax_credit

Hope this helps.
Goo ... more
0 votes Share Flag Mon Jan 4, 2010 Financing in San Ramon
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