Financing in California : Questions & Answers

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Omar Khamisa, Real Estate Pro in Fremont, 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
Yanni raz, Real Estate Pro in Sherman Oaks, CA
Yanni raz answered:
FHA for second home
Hello Laurent,

As per FHA guidelines you can have two owner occupied investments, under two certain circumstances.

One if your relocating for work or two if you're expanding a fa ... more
0 votes Share Flag Tue Jan 7, 2014 Financing in Palm Desert
Yanni raz, Real Estate Pro in Sherman Oaks, CA
Yanni raz answered:
Hello. does anyone know of any lenders that can provide a loan with a ITIN number here in southern california?
Call me, Yanni Raz, If you wan't to see your options in regards to financing with an ITIN. We can do it but through private financing, which can be a better option for you, possibly. 31 ... more
0 votes Share Flag Tue Jan 7, 2014 Financing in 92553
Bill Cook, Real Estate Pro in Lake Forest, CA
Bill Cook answered:
Can i change my lender after i decided to work with builder's lender?
Sure you can change lenders with 30 days left. There are many lenders with 21 days closings. You should always shop for the best rates and terms. I hate to say it but some builders do l ... more
0 votes Share Flag Sun Jan 5, 2014 Financing in Irvine
Bernedette, Home Buyer in Vero Beach, FL
Bernedette answered:
Which banks in the Bay Area offer doctors/physicians loans besides Wells Fargo?
Hi Graham,

You may want to contact Rae Drake with Fifth third Bank. I have referred her for the past 10 years to my buyers and she has always performed professionally. She put ... more
0 votes Share Flag Sat Jan 4, 2014 Financing in San Francisco
Dee Oliver, Real Estate Pro in Bakersfield, CA
Dee Oliver answered:
2 brothers own a house. brother who wants his name off it is willing to pay for the refinance for the other. lawyer or no?
Where is this property located? Is it in New York or California. The answer to your question could affect the answer. Dee Oliver
0 votes Share Flag Thu Jan 2, 2014 Financing in 93312
Christopher…, Real Estate Pro in Westchester, NY
Christopher Pagli - ABR, GREEN answered:
I want to know if the Wells Fargo 3 step program is too good to be true ?
Wells Fargo is too good to be true, a true disaster.

Chris
0 votes Share Flag Wed Jan 1, 2014 Financing in 91791
Robert Finger, Real Estate Pro in 90802
Robert Finger answered:
664 credit score. Loans available
Hello
I see that you have received some great info from others regarding your question. Another thing is that if you hook up with a lender that is savvy in reviewing credit they may be ... more
0 votes Share Flag Mon Dec 30, 2013 Financing in Downtown Long Beach
Sheila Stein, Real Estate Pro in Nevada City, CA
Sheila Stein answered:
Does 12819 Pasquale Road , N. C., CA have a morgage and title owner?
Malick,

There is a mortgage on this property as with most residential properties offered for sale. I happen to know this property quite well from years ago. I'd be happy to discuss ... more
0 votes Share Flag Mon Dec 30, 2013 Financing in Nevada City
Ali Qureshi, Real Estate Pro in Pleasanton, CA
Ali Qureshi answered:
We are underwater w/ our Cottages condo by only 10-20K w/ a resetting mortgage. I need help determining what our best option is.
Market has picked up a lot all over the Bay Area and especially in Dublin. If. You're thinking about selling a home and you didn't end up short selling now is probably a great time
0 votes Share Flag Sat Dec 28, 2013 Financing in Dublin
Ali Qureshi, Real Estate Pro in Pleasanton, CA
Ali Qureshi answered:
First time home buyer looking for mortgage options.
Hi Ryan,

You have many options available to you. Find a great loan officer and compare costs and terms.
0 votes Share Flag Sat Dec 28, 2013 Financing in Dublin
Flavio Tejada…, Real Estate Pro in Redwood City, CA
Flavio Tejada, MBA, Broker/Own answered:
i purchased mobile home in CALIF 2007 using loan from well known mobile home lender. Is my loan " non recourse:"???
hi, your loan documents may have information on whether your loan is recourse or non-recourse, read them thoroughly

good luck!
$$$ BUYER CASH REBATE 50%-60% / SELLER DISCOUNT 50% $$ ... more
0 votes Share Flag Wed Dec 25, 2013 Financing in San Jose
Omar Khamisa, Real Estate Pro in Fremont, CA
Omar Khamisa answered:
my home is valued at 319k. It is free and clear. Is there a broker that will grant a line of credit with a 550 score?
Hi Atlanta


I have not seen any lender or broker lending on heloc with low fico score. try to improve your score it would help .

good luck

Omar Khamisa
0 votes Share Flag Wed Dec 25, 2013 Financing in Rancho Cucamonga
Gary Mckae, Real Estate Pro in 94301
Gary Mckae answered:
Ocwen has not given me a Payoff Statement. Need advice to move fwd w/new lender?
You can order by contacting your lender and they will give you a fax number to send your request. The payoff should be calculated to a set date per your request. Irrespective of that, ... more
0 votes Share Flag Mon Dec 23, 2013 Financing in 94025
Carlos Chava…, Real Estate Pro in Anaheim, CA
Carlos Chavarin answered:
Shopping for a mobile home loan with good terms for a property in Anaheim, Ca.
Debbie,
Most mobile homes are on leased land and there is a monthly space rent, the lowest I have seen is $650.00 and it goes up to $1,700.00 per month. I have only found a couple of p ... more
0 votes Share Flag Thu Dec 19, 2013 Financing in 92801
Jesse Gonzal…, Real Estate Pro in Santa Rosa, CA
Jesse Gonzalez answered:
my home is valued at 319k. It is free and clear. Is there a broker that will grant a line of credit with a 550 score?
Hi Doris, if you're over the age of 62 you should look into the FHA reverse mortgage program.
Jesse Gonzalez, Broker
REALTOR
NMLS MLO-278103
NMLS ID- 10 ... more
1 vote Share Flag Thu Dec 19, 2013 Financing in Rancho Cucamonga
Caroline Ger…, Real Estate Pro in Laguna Beach, CA
Caroline Gerardo answered:
Condo with HOA litigation
I can close a condo that is "unwarranted" The down payment requirements are greater and rate is higher.

What type of litigation? Copies of the ongoing litigation are available for a ... more
0 votes Share Flag Tue Dec 17, 2013 Financing in Irvine
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Why will no one refi a loan that is neither Fannie nor Freddy? As far as credit is concerned, we are golden." We are very upside down. Any?
It's because the home is the collateral for the loan. Banks don't want to lend you $150,000 on collateral that is only worth $120,000. If you default on the loan they will never get the ... more
0 votes Share Flag Mon Dec 16, 2013 Financing in 93636
John DL Aren…, Real Estate Pro in Encinitas, CA
John DL Arendsen answered:
How does buying a mortgage note work?
I'm amazed to see this 2 year old question continue receiving answers.
0 votes Share Flag Mon Dec 16, 2013 Financing in Los Angeles
Alex Greer, Real Estate Pro in California
Alex Greer answered:
I need to contract you about la honda property ,call us by # 808445-9577 ask for olaf ok thank u.
Who are you talking to?

Alex Greer
Loan Officer
NMLS #1056079
http://www.TheMortgageOutlet.com

408-352-5147
AGreer@TheMortgageOutlet.com
0 votes Share Flag Sun Dec 15, 2013 Financing in La Honda
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