Financing in Sunnyvale : Questions & Answers

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Melchor, REA…, Real Estate Pro in Orange County, CA
Melchor, REALTORĀ®, M.Ed answered:
Auto Loan on Student Via (F1)
Hi,

This is not the correct venue for auto loans. Consult the services of a bank.
0 votes Share Flag Fri Aug 1, 2014 Financing in 94086
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
I came to US in Mar 2013. Myself and my spouse income is 200K. Can I get loan with 10% down (not FHA loan). We have only 2013 W2.
Are you a citizen or do have a green card?

If you said yes to either it should not be a problem. We would want to be sure we can get a credit score, that is easy to make happen but i ... more
0 votes Share Flag Thu May 29, 2014 Financing in 94087
Juliana Lee,…, Real Estate Pro in Palo Alto, CA
Juliana Lee,MBA answered:
Have folks here had success getting lender to match rate/fees from competing offers?
If you are competing with other buyers to purchase a home your choice of lender will affect whether your offer will be accepted. Your real estate agent should be able to recommend a goo ... more
1 vote Share Flag Thu Oct 10, 2013 Financing in 94087
Kevin McLaug…, Real Estate Pro in Murrieta, CA
Kevin McLaughlin answered:
I have been paying MIP for 3 years on a FHA loan. I want to refinance (streamline FHA) Does my MIP start over for another 5 years?
FHA loans have MIP... you will start over if you refi
0 votes Share Flag Wed Oct 9, 2013 Financing in 94086
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
Hi, I am in contract to buy a house. I am trying to get the loan to close in time, however, due to some factors, it may not happen. I have the ability
As many have mentioned, this is called "Delayed Financing". You can do Delayed Financing with:

Fannie Mae
Freddie Mac

FHA and VA don't have "delayed financing" specifically but ... more
0 votes Share Flag Sun Oct 6, 2013 Financing in 94086
Robert Lei, Real Estate Pro in 95070
Robert Lei answered:
Can I get a mortgage right after graduation?
Hi Helen,
Where did you end up buying?
0 votes Share Flag Mon Sep 30, 2013 Financing in 94089
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
is it OK to use multiple mortgage agents?
It's always a good idea to check out more than one lender to see what lender can best fit you and your situation. The problem is that fees that are required from you during the process ... more
0 votes Share Flag Mon Sep 30, 2013 Financing in Sunnyvale
Robert Lei, Real Estate Pro in 95070
Robert Lei answered:
what does FHA approved complex means? Where can I find the guideliness?
Hi Noname,
Here is the link to check whether a condo complex is FHA approved:
https://entp.hud.gov/idapp/html/condlook.cfm

However, often you will get the following message:
Messa ... more
0 votes Share Flag Sat Feb 9, 2013 Financing in Sunnyvale
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Is it possible to get a mortgage before I start work if I have debt?
Christopher, I specialize in Under 640 Fico Score Loans and offer credit repair at no cost. If you have NO FICO Score, you may qualify with no rental history, non sufficient credit hist ... more
0 votes Share Flag Wed Jan 9, 2013 Financing in 94089
Ruth & P…, Real Estate Pro in 95030
Ruth & Perry Mistry answered:
Looking for a 2nd house in Sunnyvale,ca... I currently own (condo) in sunnyvale and want rent my property.
Hi Larry4ny:

The buck stops when you do not have a rental history for 2 years on your Tax returns nor can show
2 Rental check deposits, nor show any equity in your principal residen ... more
0 votes Share Flag Wed Apr 18, 2012 Financing in 94085
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
I have bofA FHA loan. Payed Mip for 6 yrs. Can I pay down mortgage to 20%equity then streamline refi with no appraisal?
"SO I guess I did not read the question correctly. My appoligies. Let me restate my answer, Yes you can pay down the mortgage to 20% and the MI would drop off, "

Sorry Rich ... more
0 votes Share Flag Tue Jan 17, 2012 Financing in 94086
Shawn Sidhu, Real Estate Pro in San Jose, CA
Shawn Sidhu answered:
can a mobile home be financed by a co-signer?
Unfortunately, that isn't the case with a manufactured home. You can have a non-occupant co borrower for other property types.
0 votes Share Flag Thu Feb 17, 2011 Financing in Sunnyvale
Richard Schu…, Real Estate Pro in Los Angeles, CA
Richard Schulman answered:
CA First Time Home Buyer Credit
Your information is correct. A March 31, 2010 close date wouldn't allow for the CA tax credit. I'm sure you're aware though that you may be eligible for the Federal Fir ... more
0 votes Share Flag Mon Apr 19, 2010 Financing in Sunnyvale
Ulli Rieckma…, Real Estate Pro in Los Altos, CA
Ulli Rieckmann-Fechner answered:
I am looking for local representation to do a Short Refinance. Within 45 min of Sunnyvale CA 94085. Please respond. Thanks
Hi Larry,

I work for Cashin Company Realtors and we have an 'in-house' lender at our offices. If you would like to speak to a very knowledgeable mortgage broker I can refer ... more
0 votes Share Flag Tue Oct 20, 2009 Financing in Sunnyvale
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
Is there income limit for the Federal 8k tax rebate for home buyers in 2009?
I am a realtor and can not answer tax question.
Get a copy of IRS 5405 (1st time buyer). The 1page form is very explicit.
If all fails call IRS or consult with your tax CPA.

The ... more
0 votes Share Flag Wed Aug 19, 2009 Financing in Sunnyvale
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
We got into contract a couple of days ago. Lender A has done an appraisal for us & we are working with them.
Rates can change day to day, so if you are shopping be sure to let each lender know and be sure you are comparing comparable rates, terms and the day of quote (think the stock market, i ... more
0 votes Share Flag Thu Jun 25, 2009 Financing in 94086
Daniel Tades…, Real Estate Pro in Sunnyvale, CA
Daniel Tadesse answered:
Have you done a loan modification? Should I hire some one to help me modify my loan?
As it was suggested, contact your loan server or bank. Most of the time, they will ask you to send them reasons why you want to modify your loan. They will require income and expense re ... more
0 votes Share Flag Fri Mar 13, 2009 Financing in 94087
Fred Glick, Real Estate Pro in Los Angeles County, CA
Fred Glick answered:
Hi, I have a question about refinance.
David,

Because of the loan to value, the jumbo gets very expensive.

At $417,000, I have a 5/1 at 4.75% with no points, $835 lender fee plus title, escrows, appraisal.

There ar ... more
0 votes Share Flag Wed Mar 4, 2009 Financing in 94089
Marty S, Real Estate Pro in Irvine, CA
Marty S answered:
what is the current Conforming Loan Limit for home in 94087 ?
625,500

I am a mortgage broker. If I can be of service, please let me know!

Martin Smith

Precision Funding
877-238-6324 Ext 704
513-536-7184
877-238-6324 FAX
MSmith@P ... more
0 votes Share Flag Mon Feb 23, 2009 Financing in 94087
Earl Girbovan, Real Estate Pro in Mountain View, CA
Earl Girbovan answered:
Can my husband qualify for a first-time home-owner loan if I own a house under my name?
Hi Amy,

I agree with Dot. Further, it would depend upon how you have been filing your tax returns. When you apply for the loan, the bank will typically ask for 3 years back taxes. ... more
0 votes Share Flag Wed Jul 16, 2008 Financing in Sunnyvale
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