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Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
well is under family room floor can this go usda?
Now there is a question as to where you are. It says Brea and Hanover PA. If Brea you may not get a USDA loan as the whole city is ineligible. Most of Hanover PA is not eligible either. ... more
0 votes Share Flag Tue Aug 18, 2015 Home Buying in Brea
Sarahjeans55, Home Buyer in Brea, CA
Sarahjeans55 answered:
Underwriter denies loan days before closing what can i do??????????????????????????????/
We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging f ... more
0 votes Share Flag Mon Aug 17, 2015 Home Buying in Brea
Tsamseli, Other/Just Looking in Moorpark, CA
Tsamseli answered:
I have decided to go into real estate, here in Southern California. Any advice on which school to go to? Online or in person. Either, plz.
I went to CBI in Canoga Park. LOVED IT! If you are in the area, definitely check it out. Armando Oliva is the instructor and he keeps it interesting. Otherwise, the material is dry.
0 votes Share Flag Wed Aug 5, 2015 Agent2Agent in 92821
Justin Tye, Real Estate Pro in Corona, CA
Justin Tye answered:
My son is buying his first home. The lender has stipulated that he HAS to take a Budgeting class costing HIM $100.00! Is this even LEGAL?
Hello kimj247,
As a first time buyer they shouldn't be making your son take a "budgeting class" and do you know where that money will be going towards? Just make sure that there isn't ... more
0 votes Share Flag Fri Jun 26, 2015 Home Buying in Brea
Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
I applied for a hardmoney loan because i did a short sale,because we grown out of our home ,i told a lender i need to make sure i'm going to
Reliable communication with your lender is very important. Before committing to a lender it may worth the time to ask for previous clients of the lender to speak with and get an idea of ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in Brea
Alex Greer, Real Estate Pro in California
Alex Greer answered:
How to report unethical practices of underwriters. Where may I submit a complaint.?
Underwriters report to know one. They require no licensing from the government. The only people you could report is the lender as a whole.

I do not check replies, so if you have a co ... more
0 votes Share Flag Mon Jun 1, 2015 Home Buying in Brea
angelinaball…, Other/Just Looking in Jerseyville, NJ
angelinaballerina answered:
Do I have any recourse against a lender that stated for 6 weeks that I was approved for my loan only to have the underwriter deny it at closing time?
'I'm in the same boat. Loan officer stated that my file went to underwriting on March 17th. On May 18th, I get an email from a newly assigned loan processor that tells me the loan is ap ... more
0 votes Share Flag Sun May 31, 2015 Home Buying in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
1st time home buyer... what is the recommended "1st steps" when starting the process?
Meeting with a loan officer is the first step so that you can collectively determine how much you can borrow. I recommend speaking with a few mortgage brokers before deciding. You wil ... more
0 votes Share Flag Tue May 26, 2015 Home Buying in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
Does anyone know any real estate investment seminars in the Orange County, CA area??
I would highly recommend "Bruce Norris" .... he is incredible!! My clients, including myself, have made quite a bit a money following him. His analysis of the southern CA market is un ... more
0 votes Share Flag Tue May 26, 2015 General Area in Brea
Conrad Hodgs…, Real Estate Pro in Brentwood, TN
Conrad Hodgson answered:
if my loan goes to the underwriter and she sends back to conditions I satisfy the conditions do they have to close or can they just write new conditio
Yes they can add as many as they please given the lending environment. It begs the question, why didn't they just ask for it all at once.......however the the overlays are there to mak ... more
0 votes Share Flag Tue May 26, 2015 Home Buying in Brea
Houk.earl01, Home Buyer in Brea, CA
Houk.earl01 answered:
I'm refinancing my home and the bank is asking me how I got the funds to pay off a vehicle loan. I sold the car and paid the loan.
Do You Need A Loan to pay of your bills @ 2%? if yes Copy to Reply this email: houk.earl001@gmail.com for more details,Name,Amount,Duration&Mobile.

interested applicant should emai ... more
0 votes Share Flag Wed May 13, 2015 Home Buying in Brea
Ron Krauch, Real Estate Pro in ,
Ron Krauch answered:
can i get my aprasial money back if the loan did not go thru on a home loan?
The answer is almost always "no" because the appraiser did their job. It's just part of the cost of performing due diligence when buying a home.

Ron Krauch
Managing Broker
Emerald ... more
0 votes Share Flag Sat May 9, 2015 Home Buying in Brea
Ron Krauch, Real Estate Pro in ,
Ron Krauch answered:
My question is regarding fire insurance.
Yours is a question that serves buyers everywhere to do their due dilligence regarding homeowner's insurance when they buy. The contract we use in my market has a specific out clause f ... more
0 votes Share Flag Sat May 9, 2015 Home Buying in Brea
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
I had an accepted offer on a home using a FHA/HUD mortgage. The home didn't qualify septic/water issue, no one caught it until 24 h before closing
Hello lylith, no but if you are still in escrow you can ask the seller to reduce the price to fix it or buy it with 203k financing to do the repairs in the loan. You may qualify from a ... more
1 vote Share Flag Mon Apr 13, 2015 Financing in Brea
Curtis Warren, Real Estate Pro in ,
Curtis Warren answered:
How much would a well maintained older mobile home (1968) hold it's value against a newer mobile home for $95K if both are in a great park?
Too many variables to consider without knowing a lot of additional information. Parks have the greatest influence on the value of the home, I think. In the past two years I have liste ... more
0 votes Share Flag Thu Mar 12, 2015 Home Buying in Brea
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
how long can a lender stretch out an escrow? if the buyer has an old bankruptcy over 2 years old?
Yes all things are negotiable. I would recommend any and all game playing though. It sounds like they are going to have you bid on a house knowing that you do not qualify until a certa ... more
0 votes Share Flag Sun Feb 15, 2015 Home Buying in Brea
Omar Khamisa, Real Estate Pro in stockton, CA
Omar Khamisa answered:
I'm considering buying a really well maintained, great layout, 2 br plus office, 1968 mobile home in a great family park. Asking price is $65K, and
HI Awolfe

many banks and credit union offer mobile loans.


good luck

Omar Khamisa
NMLS # 369325
510-648-5535
0 votes Share Flag Sat Feb 14, 2015 Home Buying in 92821
Omar Khamisa, Real Estate Pro in stockton, CA
Omar Khamisa answered:
direct debit form
Hi Queen

some lender send direct debit form in their initial disclosure so you can have option to withdrew from your account . you have to make sure with your loan officer he be able ... more
0 votes Share Flag Sat Feb 14, 2015 Home Buying in Brea
Alex Greer, Real Estate Pro in California
Alex Greer answered:
What does recertify mean?
No it is not. Every new year a broker must recertify with the lender before they can originate a loan with them. All that it means is that the broker has not done a loan with that lende ... more
0 votes Share Flag Fri Feb 6, 2015 Home Buying in Brea
Randall Ortiz, Real Estate Pro in Elk Grove, CA
Randall Ortiz answered:
I am a first time buyer i have been pre appoved and nearly at the end of the underwritters,but half way through the prosses i nad to change my job.
Be honest with your lender. Let them know your situation. As long as your job is in the same field, it probably won't be an issue.
0 votes Share Flag Tue Feb 3, 2015 Home Buying in Brea
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