Financing in Los Angeles : Questions & Answers

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Mitch Lichte…, Real Estate Pro in Los Angeles, CA
Mitch Lichterman answered:
How loose are FHA debt to credit ratio requirements? I have a high credit score and want to obtain a loan that is close to my monthly rent payment...
I have funded loans with DTI at 50%. With a higher FICO and other compensating factors you may be able to get an approval. The best thing to do is to APPLY and see if you are approved ... more
0 votes Share Flag Wed May 27, 2015 Financing in Los Angeles
Mitch Lichte…, Real Estate Pro in Los Angeles, CA
Mitch Lichterman answered:
An H1B Visa holder living in LA for the last 2.5 years. My mortgage lender mentioned I need a EAD for FHA loan. advice?
EAD is pretty simple to get although it might take time. You should get pre-qualified and get that paperwork going so you are ready to move forward on a loan.
0 votes Share Flag Wed May 27, 2015 Financing in Los Angeles
Kellyfinanci…, Home Buyer in Atlanta, GA
Kellyfinanciaservices answered:
I am foreign buyer and want to buy condo around $330,000 and downpay 30% then need loan. who can help me?
I just came back from my bank confirming a total sum of 40,000 as the loan I requested and right now I would like all persons seeking loans right here to contact the same company where ... more
0 votes Share Flag Thu May 21, 2015 Financing in 90012
Tony Garcia, Real Estate Pro in Charlotte, NC
Tony Garcia answered:
hello how can non US citizen (international student ) get any kind of loan ? bagessp
We offer a portfolio product that will allow F1 visas. It does require 20% down. Email me at tony.garcia@banchomeloans.com to discuss.
0 votes Share Flag Sat May 9, 2015 Financing in Los Angeles
Rich, Real Estate Pro in 89117
Rich answered:
I have a mortgage through Chase and interested in refinancing. Please advise or call 3104414266
If you need help to raise your credit scores fast,
We specialize in raising FICO scores dramatically, in weeks, not months or years.

As a matter of fact with one of our most recen ... more
0 votes Share Flag Thu May 7, 2015 Financing in 90024
Rich, Real Estate Pro in 89117
Rich answered:
Will having a small side business and being 1099 hurt my chances at getting approved for a FHA loan?
If you need help to raise your credit scores fast,
We specialize in raising FICO scores dramatically, in weeks, not months or years.

As a matter of fact with one of our most recen ... more
0 votes Share Flag Thu May 7, 2015 Financing in Los Angeles
Rich, Real Estate Pro in 89117
Rich answered:
I have experience buying at the auction and properly researching and evaluating the property. Anyone know of financing for trustees sale Alameda Co?
If you need help to raise your credit scores fast,
We specialize in raising FICO scores dramatically, in weeks, not months or years.

As a matter of fact with one of our most recen ... more
0 votes Share Flag Thu May 7, 2015 Financing in 90025
Sally May, Home Buyer in Tampa, FL
Sally May answered:
Is it worth refinancing an April'13 initiated 30 yrs fixed FHA loan @ 3.75% interest rate plus $610/- PMI/mo to a 4.3% conventional loan without
FHA REFINANCING BENIFITS FLORIDA HOMEOWNERS- FHA refinancing offers existing Florida homeowners the opportunity to complete a FHA mortgage refinance with loan advantages you wont find i ... more
0 votes Share Flag Wed Apr 29, 2015 Financing in 90064
Ben Jacobs, Home Buyer in Pittsburgh, PA
Ben Jacobs answered:
Lender Refuses to Separate "Points" from other "Loan Origination Fees" on GFE & HUD-1. What is Advantage to them? My Recourse?
No. A loan origination fee is the fee the broker charges your for their services. It is not the same as a point to buy down your rate. When he states that 1% is for getting you your in ... more
0 votes Share Flag Tue Mar 24, 2015 Financing in Los Angeles
Karen McEniry, Real Estate Pro in Huntington Beach, CA
Karen McEniry answered:
Need loan for investment property 3 unit - limited cash out refi to combine 1st and second 70% LTV
I'd be happy to refer you to a good lender who does both conventional and private money loans.
Please contact me if you would like his contact information.

Best Regards,
Karen McEn ... more
0 votes Share Flag Sun Feb 22, 2015 Financing in Los Angeles
Andy Brown, Real Estate Pro in Carlsbad, CA
Andy Brown answered:
95% LTV Jumbo loan needed with 5% down. -excellent credit, high income!
I know this is an old question but we have a 5% down jumbo product up to almost $900k purchase price($850k loan amount). Rates are fantastic. Let me know if I can help.

abrown@guil ... more
0 votes Share Flag Thu Feb 19, 2015 Financing in Los Angeles
Elva Wormley, Real Estate Pro in San Jose, CA
Elva Wormley answered:
My mom was duped into getting a reverse mortgage on her house. Originally was refinancing on her duplex and somehow the agent talked her into getting
Hi Lisa Marie,

If your mom qualifies, she can get out of the reverse mortgage by refinancing into a conventional or FHA loan.

However, a reverse mortgage is not necessarily a bad ... more
0 votes Share Flag Mon Feb 16, 2015 Financing in Los Angeles
Lisa Fong, Real Estate Pro in La Puente, CA
Lisa Fong answered:
Recently attained mortgage. Did I do ok?
That is expensive. For that amount it's considered a mini jumbo loan. Mini jumbo loans get significantly lower rate.

I can get you much better rates for that type of loan.

P ... more
0 votes Share Flag Thu Feb 5, 2015 Financing in Los Angeles
Violagirl777, Home Buyer in Long Beach, CA
Violagirl777 answered:
Cancellation of refinance question
Thank you for your response. Am I responsible for any fees or charges when I cancel? I have paid nothing out of pocket. Thank you
0 votes Share Flag Mon Jan 19, 2015 Financing in Los Angeles
Jeff Hensel, Real Estate Pro in San Diego, CA
Jeff Hensel answered:
Hard Money Lender for trustee sales
If you need another hard money loan in the future contact North Coast Financial. http://www.northcoastfinancialinc.com/ They have been doing hard money loans in San Diego/Southern Calif ... more
1 vote Share Flag Sun Jan 11, 2015 Financing in 90025
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Unacceptable Property: Guesthouse to Main house ratio
Did you get that in writing? It does sound a bit sketchy... what is the loan amount and equity position?
0 votes Share Flag Fri Dec 26, 2014 Financing in Los Angeles
Corey Chambe…, Real Estate Pro in Los Angeles, CA
Corey Chambers answered:
How difficult is it to obtain financing for live/work lofts zoned LAC4? I'm thinking about purchasing a short-sale in downtown LA.
Loft financing is often different from traditional condos and houses. Most lenders cannot succeed at lending on lofts at all, or not with the rate, fees and terms that they normally ch ... more
0 votes Share Flag Mon Dec 1, 2014 Financing in Los Angeles
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Where can I ger a high loan to value home erquity loan for a house in Reno NV 85% - 95% LTVV?
Home equity loans top out at 80% but sometimes you can get 85% at Wells Fargo but you must have 760 FICO score. contact me for details...
0 votes Share Flag Tue Nov 11, 2014 Financing in 90019
aplusapartme…, Other/Just Looking in Miami, FL
aplusapartmentloans answered:
Looking for a lender in California who will use my husbands itin number on a loan. He is 2nd on the loan and I have a ssn. We have an accepted offer?
if you still need help please call me 956 588 8698 or email aplusapartmentloans@gmail.com
for more information I know I can help you been doing loans for 23 years
0 votes Share Flag Tue Oct 28, 2014 Financing in 90016
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Need a non-owner occupied home loan refi, no cash out at 80%
If you have not already taken care of that I can do that for you.
0 votes Share Flag Tue Sep 23, 2014 Financing in Los Angeles
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