Financing in Augusta : Questions & Answers

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Gilbert Iaro…, Real Estate Pro in Augusta, GA
Gilbert Iarocci answered:
When does it ever make sense to buy a house above its appraisal value.?
Did you end up buying the home? I think if they home had what you wanted then it is ok to pay a little more. I have seen people buy a home and they spend a lot of money fixing it to th ... more
0 votes Share Flag Wed Aug 27, 2014 Financing in 30907
Brian O'Neill, Real Estate Pro in Martinez, GA
Brian O'Neill answered:
Is there a work around for the 90 day seasoning rule?
It's my understanding that FHA has suspended it's 90 day anti flipping guideline until December of 2014.
0 votes Share Flag Tue Jan 7, 2014 Financing in 30907
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
What are the advantages of a USDA Loan which offers 100% financing (if true) versus a conventional FHA loan with as little as 3% down to the BUYER.?
The one simple and key advantage for a USDA loan compared to an FHA is that a USDA does not require any down payment at all while the FHA does (even though it is still a small down paym ... more
0 votes Share Flag Thu Aug 29, 2013 Financing in 30907
Lee Taylor, Real Estate Pro in 30030
Lee Taylor answered:
What is driving the surge in housing. Unemployment is still down and investors cannot buy all the homes. Renters need jobs to rent
I know that you are getting hyper-curious since something happened to you recently with some GA real
estate and things aren't making sense - I've saw your other question.

I just ga ... more
0 votes Share Flag Wed Aug 28, 2013 Financing in 30907
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
what do we need to pre-qualify for a home loan?
When applying for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan.

1) Proof of income for each person that will b ... more
0 votes Share Flag Thu Aug 22, 2013 Financing in 30907
Tonya Rodrig…, Renter in Augusta, GA
Tonya Rodriguez answered:
My FICO score is 590. and im to explode with disappointmet
You are doing a lot of hard work and paying a lot of money repairing your credit that you could be keeping in your pocket. Did you know that most items on your credit reports only requ ... more
0 votes Share Flag Thu Aug 22, 2013 Financing in 30907
Tammy Theis, Real Estate Pro in Augusta, GA
Tammy Theis answered:
looking for a farely new home to take over payments in the augusta, hephzibah,ga area
I am a Realtor with Meybohm and I'd be happy to assist you. Are you relocating to the area?
0 votes Share Flag Tue Jan 31, 2012 Financing in Augusta
Pacita Dimac…, Real Estate Pro in Alameda, CA
Pacita Dimacali answered:
I have been waiting four weeks for approval on a FHA kiddie condo loan from Regions Bank. My husband and I have credit scores of 782 and 767. Why?
Your credit score isn't what's holding up your loan.

It usually takes 45 days, perhaps even longer, for escrow to close on an FHA loan from the time of acceptance of your o ... more
0 votes Share Flag Fri Oct 15, 2010 Financing in Augusta
Diane C. Wil…, Real Estate Pro in Rancho Cucamonga, CA
Diane C. Williams answered:
in the past monthmy husband & I have been the victium of bank fraud and I had comfirm identy theif and my
Sorry, but saw this problem coming. I personally have a program called "Debt Watchers" through my PFS group and equifax, which has $25,000.00 insurance against this problem, a ... more
0 votes Share Flag Fri Sep 17, 2010 Financing in Augusta
Voices Member,  in
Voices Member answered:
Does anyone know where to go for a small loan of $20,000? By the way did the bank and credit union.
Not other than what you mentioned. I've always used SRP and had good luck with them. My next choice would be Queensborough. Sorry I don't know of any other options!
0 votes Share Flag Fri Sep 17, 2010 Financing in Augusta
Hannah, Real Estate Pro in Corte Madera, CA
Hannah answered:
I found a home but a need a lender my credit score is 530 that the middle score we are in a very bad situation I have already began to clean up my
Hi James,

You might get the seller to carry financing for you since your credit score is so low. You might be able to qualify for an FHA mortgage with a low credit score of 620 but i ... more
0 votes Share Flag Sat Jun 12, 2010 Financing in Augusta
Michael Hamm…, Real Estate Pro in 30078
Michael Hammond answered:
Has anyone heard that the 90 day Seasoning rule for FHA is now in effect with VA and Conventional mortgages
Thanks for the update, Sky! We lost at least 2 deals last year because of that rule. Hope they keep or positively modify this moratorium.
0 votes Share Flag Sat Jan 16, 2010 Financing in 30907
Barbara Q., Other/Just Looking in Bergen County, NJ
Barbara Q. answered:
I am wondering if I should find another mortgage company or if this is something that will be taken care of?
It seems a little late in the game to switch teams.
I'd suggest that you spend a full day tying up all loose ends.
Contact the underwriter directly and politely ask what SPECIFIC ite ... more
0 votes Share Flag Wed May 20, 2009 Financing in 30906
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