Financing in Stockton : Questions & Answers

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Considering our daughter as co-signor on conventional loan, she has a foreclosure from 2009, would she still qualify as a co-signor?
Karen Peyton makes some excellent points. The answer to your question is that a foreclosure in 2009 would not stop her from cosigning, how ever it could limit the programs that are avai ... more
0 votes Share Flag Fri Oct 16, 2015 Financing in 95203
Omar Khamisa, Real Estate Pro in stockton, CA
Omar Khamisa answered:
I have a fha loan my credit score is 587 will any lenders do a streamline with this credit score
Hi Rollow

i do have FHA 500 program , call me i am in Stockton.


Omar Khamisa
Loan Manager
NMLS#: 369325
Cell: 510-648-5535
We clo ... more
0 votes Share Flag Mon May 26, 2014 Financing in Stockton
Dorene Slavi…, Real Estate Pro in Torrance, CA
Dorene Slavitz answered:
hi i am fusterated about my morgage behind and strugling med bills do i go with lawyer and spend retainer fee is my only option to modify my loan
Call your lender and modify your loan. Your only other option is to short-sale the property, but currently lenders are working with homeowners to prevent this.
0 votes Share Flag Fri Feb 21, 2014 Financing in 95219
Raj, Home Buyer in Bakersfield, CA
Raj answered:
Looking for non-owner occupied mortgage lenders for CA prop. worth 69,000. I need loan for $35,000, good credit.
Please check our terms at
0 votes Share Flag Mon Feb 17, 2014 Financing in Stockton
catfish.ente…, Other/Just Looking in 95209 asked:
financing raw land to place a mobile home on
0 votes Share Flag Sun Jan 26, 2014 Financing in 95209
Omar Khamisa, Real Estate Pro in stockton, CA
Omar Khamisa answered:
Are there fees associated with setting up an impound account? ie. Does the mortgage company/bank charge you for an impound account? Thanks!
Hi Lemmonii

No Charge to have impound account , many scenario it is in your benefit to have impound account.

Good Luck

Omar Khamisa
0 votes Share Flag Tue Jan 7, 2014 Financing in Stockton
Kim Salaices, Real Estate Pro in Stockton, CA
Kim Salaices answered:
Can someone recommend a mortgage broker that can assist a first time home buyer?
Hi Amy,

Carolyn Ente @ CalFirst just helped another client with similar circumstances and they are now in contract and on their way to homeownership. Give her a call at (209) 298-100 ... more
0 votes Share Flag Tue Jul 31, 2012 Financing in Stockton
,  in
Which lenders don't have flip restrictions?
I can do FHA loans on a flip, there are some restrictions: must be owner occ. Requires 2 appraisals one must be paid for by the seller, and we review the home inspection, the buyer can ... more
0 votes Share Flag Wed Apr 11, 2012 Financing in Stockton
CJ Brasiel, Real Estate Pro in San Jose, CA
CJ Brasiel answered:
How can a person be expected to pay such a large lump sum after a loan modification is done?
Doll -

Review the loan modification paperwork with a real estate attorney and local loan officer before signing. Understanding the details, whether or not this is a recourse/non-rec ... more
0 votes Share Flag Thu Dec 1, 2011 Financing in 95219
Rocky G.H. H…, Real Estate Pro in Ripon, CA
Rocky G.H. Hawrysz answered:
Have a rental/investment property. Good rental income, 30% equity, income proof. wHICH banks, credit unions are reasonably priced like low points,
Sounds like this question will take some research (calling several banks) or you may want to reach out to a mortgage broker.

I hope this helps,


Rocky G.H. Hawrysz
Prude ... more
0 votes Share Flag Tue Aug 30, 2011 Financing in Stockton
Robert Spino…, Real Estate Pro in Mill Valley, CA
Robert Spinosa answered:
buying a house with a conventional loan will it pass if it does not have a stove or oven ?

I have to agree with CJ, even though it is true that conventional guidelines should permit no stove if it is free standing. CJ's point is that it is open to interp ... more
1 vote Share Flag Thu Mar 24, 2011 Financing in 95215
Tonya Brobeck,  in Everett, WA
Tonya Brobeck answered:
Has anyone heard of Bencini Investments Corp? Near Stockton, CA
For more information and links on this, please see
0 votes Share Flag Sun Oct 31, 2010 Financing in Stockton
Rudy R. McDo…, Real Estate Pro in ,
Rudy R. McDowell answered:
presently I am paying on a mortgage loan for a home that is extremely upside down. I was wondering whether or not it would be possible to purchase
Hi, Phyllis

That depends on your circumstances for purchasing another home. FHA is doable only if you can show a legitimate reason for leaving your current primary home. The accept ... more
0 votes Share Flag Mon Sep 13, 2010 Financing in Stockton
Randy Baez…, Real Estate Pro in Stockton, CA
Randy Baez * Top Agent answered:
What about foreclosure?
Hi Nikki, Seller financing and lease options, as mentioned earlier by Richard, are definitely routes to go if you have credit challenges that banks are unwilling to accept. We actuall ... more
1 vote Share Flag Mon Apr 19, 2010 Financing in Stockton
Rudy R. McDo…, Real Estate Pro in ,
Rudy R. McDowell answered:
I want to know what other options i have to get a better interest rate if i cant qualify for fha streamline refinance due to my credit score

Although FHA guidelines do not require an appraisal or a certain credit score to streamline, given what happening with home values today, lenders now do. Right or wron ... more
0 votes Share Flag Mon Apr 19, 2010 Financing in Stockton
Travis Willi…, Real Estate Pro in Tucker, GA
Travis Williams answered:
I recently did a making home affordable loan through my mortgage company which requires only emplyment verification .We sign the closing documents on
Get all of your paperwork together and contact a real estate atty.
0 votes Share Flag Mon Apr 12, 2010 Financing in 95206
Kathryn Vats…, Real Estate Pro in Stockton, CA
Kathryn Vatsula answered:
How difficult to close FHA?
Every lender is diffierent, imortgage average closing times on all loans is 30 days or less. FHA doesn't have to be difficult at all. However, sometimes the seller takes a bit to g ... more
0 votes Share Flag Fri Sep 25, 2009 Financing in Stockton
Hannah Flieg…, Real Estate Pro in ,
Hannah Fliegel answered:
NEED SERIOUS ADVICE!!! Loan mod has just been approved after paying a lawyer yet they were not able to lower
Hi Christina,

There are a few cases where the lender will lower principle. If you qualify for the FHA programs, or if in the originial loan docs there were violations and your attor ... more
0 votes Share Flag Sat Jul 4, 2009 Financing in 95209
Rocky G.H. H…, Real Estate Pro in Ripon, CA
Rocky G.H. Hawrysz answered:
how long to pay off my mortgage?
Hi Laurie,

Approx. Monthly Payment $1,131.90
Not including Tax and Insurance.

Make sure to double check with your lender for terms.

Warmest Regards,

Rocky G.H. Hawrysz
Bro ... more
0 votes Share Flag Tue Jan 20, 2009 Financing in Stockton
Bill Eckler, Real Estate Pro in Venice, FL
Bill Eckler answered:
I am a Canadian and just came to California. I would like to know if I can qualify a mortgage with 50% down?

You should be OK since most lending agencies are currently requiring between 30 and 40% down for foreign national loans.
1 vote Share Flag Tue Oct 14, 2008 Financing in 95206
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