Financing in Indiana : Questions & Answers

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Joannairise, Home Buyer in Tucson, AZ
Joannairise answered:
Can you refinance FHA loan with a VA loan?
> FHA and VA refinance loans

* The Federal Housing Administration (FHA) and the U.S. Department of Veterans Affairs (VA) offer standard refinance products. FHA refinance loans and VA ... more
3 votes Share Flag Fri Feb 24, 2012 Financing in Indianapolis
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I have been pre approved for a home for an FHA Loan, now its time to close. The lenders/investor reviewing unsure due to credit history 6 yrs ago
I take it you went to a Broker and he has submitted your loan into underwriting with his lender? Every State has a statue of limitations and most lenders can or will overlook something ... more
0 votes Share Flag Sun Feb 12, 2012 Financing in 46901
Confused, Other/Just Looking in 46131
Confused answered:
USDA Loans. I wish for once someone would put things straight on the requirements.
You have all been so helpful. Thank you so very much for explaining this further.
0 votes Share Flag Tue Feb 7, 2012 Financing in 46131
Christine Mc…, Real Estate Pro in Valparaiso, IN
Christine McDaniel answered:
where can i find a lender that will refinance a house with barn and 37 acres?
I use Mike Forrest with Real Estate Resource. He is a mortgage broker and works with several different banks. That way he can shop around for the best rate and loan. 219-678-9411
0 votes Share Flag Sun Feb 5, 2012 Financing in Leroy
Annette Siev…, Real Estate Pro in 97333
Annette Sievert answered:
I am an US resident and I am eligible to apply for the citizenship. I plan to get a house loan. Does it help to be the US citizen in a loan process?
No. We are German Citizens and we have bought and sold houses under J, H and Green Card, no difference. The one thing you need to be is legal, if you do not have a SNN get a Tax ID numb ... more
0 votes Share Flag Sat Nov 19, 2011 Financing in 47130
Peter Knight, Real Estate Pro in Fishers, IN
Peter Knight answered:
I'm looking to buy a home - the two lenders I've spoken with quoted about $2000 in closing costs. Are there lenders with lower closing?
You can compare lenders for closing costs by comparing the "effective APR". The effective APR includes fees such as origination, processing, etc. But rates can vary dependin ... more
0 votes Share Flag Wed Nov 16, 2011 Financing in Indianapolis
Trudiemullins, Other/Just Looking in Mishawaka, IN
Trudiemullins asked:
Are there any lenders who do FHA short refinances in Indiana? My current lenders only service their loans, so I have to find another lender. Underwater at least 10%
Current more than 12 months
Credit score in the mid 600s
Currently - conventional mortgages (1st and 2nd)
Not Fannie or Freddie
Loan modification - 2009 (non-HAMP).…
0 votes Share Flag Tue Nov 1, 2011 Financing in Mishawaka
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Will Grandma be able to qualify for a reverse mrtge now? Met-life and American Mrtge said she has to wait 12 mths from time she was added to deed?
John,
Reverse mortgages can be used to purchase so there is no wait time. She needs to speak with a mortgage officer who does reverse and forward mortgages to go over all options.
0 votes Share Flag Thu Oct 27, 2011 Financing in 46394
Amanda and J…, Real Estate Pro in Fort Wayne, IN
Amanda and Jared Christiansen answered:
I need to get my password reset. I call NACA and no one answers and the system never replys with my password after over 3 weeks. Please help! W. Day
LOL @ Mary, Mona and Ed. William: Can you explain what NACA is please? Hope we can help you figure this out. Thanks.
0 votes Share Flag Sat Oct 22, 2011 Financing in Fort Wayne
Dan Tabit, Real Estate Pro in 98074
Dan Tabit answered:
We would like to purchase a home in the country (Dearborn Co)on contract.
Ernie,
Have you worked with an agent? As an agent I can filter my search for seller's who list "seller financing" as an option. If you don't find an acceptable o ... more
0 votes Share Flag Tue Oct 18, 2011 Financing in Aurora
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
How much % can we get as a mortgage by buying a house.?? When we dicided to move and when we have a licence to go and also a good health insurance?
Consider visiting with any loan officer(s), after reviewing your overall financial information, income, credit, debt, etc., a determination on qualification can be made, the type of loa ... more
0 votes Share Flag Fri Oct 14, 2011 Financing in Miami County
ashleesue, Home Buyer in 47802
ashleesue answered:
i would like to know if terre haute Indiana has any homes for sale on contract.
I know this is 3 years late, but here's some info anyway:
www.pickoutyourhome.com and www.360-realty.com are 2 legit RTO companies that have properties here in TH. Shelly (POYH) a ... more
0 votes Share Flag Sat Sep 3, 2011 Financing in Terre Haute
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
My 3 credit scores are 745, 737 and 737. I have no revolving debt..it is at 100% no debt. Could I possibly be approved for a mortagage?
Yes, you should be able to qualify--however there are other factors besides credit that will determine qualification, therefore do visit with any loan officer....
0 votes Share Flag Mon Aug 29, 2011 Financing in 46901
Rudy R. McDo…, Real Estate Pro in Bloomfield Hills, MI
Rudy R. McDowell answered:
I work as a commissioned sales rep at at&t. Can I change employers to another commissioned sales job and still qualify for a VA loan in 3-4?
Hi Jenny. I want to make this as clear as crystal so that you don't shoot yourself in the foot! Commissioned jobs are commissioned based. Therefore, what you make can/will diffe ... more
0 votes Share Flag Sun Aug 28, 2011 Financing in Indianapolis
Debra (Debbi…, Real Estate Pro in Livingston, NJ
Debra (Debbie) Rose answered:
We have enough cash for a 10% downpayment but it will wipe out our savings. A family member has agreed to make the downpayment. What's the best
Since this question was asked back in February, I'd be curious to know what Lala decided to do.

That being said, I agree with you, Theresa!
0 votes Share Flag Thu Aug 18, 2011 Financing in Muncie
Dianne Hicks, Real Estate Pro in San Diego, CA
Dianne Hicks answered:
Any advice on purchasing a HUd forclosure for 55,800 with a high score of 582. VERRY low down payment if any. HELP
There are few lenders that will touch that score but they can give you great advise and some know how to get it you quickly. So you do need to start with a lender. Even if you miss this ... more
0 votes Share Flag Wed Aug 17, 2011 Financing in Lagrange
Scott Hulen, Real Estate Pro in 64068
Scott Hulen answered:
I want to finance investment properties for $20k-$35k. Any lender programs?
We use small local banks for this type of deal. They usually want 10% down and will loan the purchase price plus the rehab money, terms are 1 year @ 5%, we have a good track record wi ... more
0 votes Share Flag Fri Aug 5, 2011 Financing in Evansville
Gerard J. Ca…, Real Estate Pro in Spring Hill, FL
Gerard J. Carney answered:
i am having trouble being approved for a home mortgate. There are many home in my area that have been reduced or are forclosure homes. The amount I
Stacy your credit score is what they feel is the best history of how you pay, it is obvious that you have paid your rent faithfully, however your landlord has never reported this good d ... more
0 votes Share Flag Tue Jul 26, 2011 Financing in Hammond
Elliott R. O…, Real Estate Pro in Falls Church, VA
Elliott R. Oliva answered:
I am having trouble finding a mortgage for under 40k in Lafayette, IN. It's a tiny HUD home, but move-in ready. Where can I find a smaller?
Most lenders have a minimum loan amount of $50k to $75k. Your best bet is to try a small local bank or credit union.
0 votes Share Flag Mon Jul 25, 2011 Financing in Lafayette
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
take over mortgage loan
You may want to look into a "Novation Agreement", which is an agreement to substitute one party for another on a mortgage, so if your son can qualify credit & income-wise, ... more
0 votes Share Flag Tue Jul 19, 2011 Financing in Indiana
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