Financing in Los Angeles County : Questions & Answers

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Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP answered:
I own a mobile home on 1 acre of land in Eliot, Maine. Assessed at $164,000 and I am looking to borrow $60,000.00 for 5 years. Interest monthly
I am Realtor in California. I would check with direct lender in Maine that specializes in mobile homes. Residential lending is different from mobile home lending.

Gail Mercedes Cole ... more
0 votes Share Flag Sat Jun 22, 2013 Financing in 90019
Shaida Tafre…, Real Estate Pro in Manhattan Beach, CA
Shaida Tafreshi answered:
Mortgage with 10% down?
yes i can do this jumbo at 10% down. i am a mortgage banker with broker sources.
i am Shaida Tafreshi Loan Officer and i work at RPM Mortgage, a direct lender with correspondent and ... more
1 vote Share Flag Tue Jun 18, 2013 Financing in Agoura Hills
Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP answered:
Is it common practice for home sellers to request a buyer be pre-qualified a second time by their own mortgage provider?
Generally, when presenting an offer the prospective buyer will have a pre-approval from the lender. It is always best to have a pre-approval from a direct lender. Seller can ask for 2nd ... more
0 votes Share Flag Sun Jun 16, 2013 Financing in West Hollywood
Douglas Pere…, Real Estate Pro in Los Angeles, CA
Douglas Perez-(323) 285-8864 answered:
As a real estate professional, what characteristics do you want in a preferred lending partner?
A survey comes in handy to build your business. Whenever you close a loan referred by a real estate agent, give a survey to your borrower and one to your real estate agent to evaluate ... more
0 votes Share Flag Sun Jun 16, 2013 Financing in Los Angeles
Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP 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?
You stated we so I assume that the accepted offer has both you and your husband on the accepted offer. I would have been great if you would have had a pre-approval for direct lender bef ... more
0 votes Share Flag Sun Jun 16, 2013 Financing in 90016
Ashley, Home Buyer in Monterey, CA
Ashley answered:
Hi, Can anyone give advice on property investment in Long Beach,CA? I'm a foreign national, what requirements do I need to meet for a loan?
Hi everyone,
I've got it. Thank you so much, I appreciate your help.
0 votes Share Flag Sat Jun 15, 2013 Financing in Long Beach
evesting, Both Buyer and Seller in Ceres, CA
evesting answered:
Hard Money Lender for trustee sales
Please be careful when using a hard money lender. I purchased a rental by the means you've stated. I purchased using a hard money lender and was unable to refi out of the loan. Since ... more
0 votes Share Flag Wed Jun 12, 2013 Financing in 90025
Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP answered:
If I locked into an interest rate for a cash-out re-finance, and my appraisal came back too low, am I able to change my loan to avoid PMI
Yes can change terms based on appraisal amount. To avoid PMI LTV has to be 80% or below.
Gail Mercedes Cole
EXP Realty
310.853.9933
0 votes Share Flag Wed Jun 12, 2013 Financing in 90019
Curly Sue, Real Estate Pro in Texas
Curly Sue answered:
Can loan papers be re-written after the appraisal is done?
Gail...it's a reverse mortgage.
0 votes Share Flag Tue Jun 11, 2013 Financing in 90230
Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP answered:
Where can I get a 90% LTV home equity loan in Florida?
I am a Realtor in California. Lending practices are general across the country but each state may have different specifics. I would check with a direct lender in Florida to see if any w ... more
0 votes Share Flag Sun Jun 9, 2013 Financing in 90019
sidboyko, Home Buyer in Long Beach, CA
sidboyko answered:
What about those Zestimates?
Here on the East Coast, what Zestimate is doing is illegal>
Newport RI Broker
0 votes Share Flag Sun Jun 9, 2013 Financing in Long Beach
Gail Mercedes…, Real Estate Pro in 90292
Gail Mercedes Cole-Trulia VIP answered:
I filed 7 in 2006 did not reaffirm 1 or 2nd mortgages. stopped paying on second then settled to release the lien sept 2012.
Conventional and FHA guidelines could have changed but conventional 7 years after bankruptcy and FHA is 2 years BUT other factors are involved;
-Work history
-Credit Rating
-Etc.
I ... more
0 votes Share Flag Thu May 30, 2013 Financing in 90034
Mr Stated In…, Real Estate Pro in Los Angeles, CA
Mr Stated Income Loans answered:
I'm a foreing person doing taxes with my ITIN I bought a fourplex in Los Angeles CA. I want to refinance it. Who can help me?
We can help foreigners and foreign nationals. No driver license and No citizenship needed. We just need a passport. We have some other great loan products too.
Call Equity Development' ... more
0 votes Share Flag Wed May 29, 2013 Financing in Los Angeles County
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
What does APR stand for?
America's Pet Registry

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
0 votes Share Flag Mon May 20, 2013 Financing in Long Beach
Robert Finger, Real Estate Pro in 90802
Robert Finger answered:
Am I better off using a Direct Lender, Broker or Builders in house Lender if I'm in the market for a new home?
Things to consider are what route of financing conventional or fha. Amount of down payment that you can afford. Fha offers great rates and possibilities of lender credit to help towards ... more
0 votes Share Flag Thu May 16, 2013 Financing in Long Beach
Carlos Parra…, Real Estate Pro in Monrovia, CA
Carlos Parrague answered:
Unacceptable Property: Guesthouse to Main house ratio
Banks and Lenders make their own rules
1 vote Share Flag Sat May 11, 2013 Financing in Los Angeles
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Are closing costs different when refinancing compared to buying?
Yes if you are buying in LA CA area then you need to expect to spend more money on title and escrow when buying. That is because it is more work and risk the the title and escrow agenci ... more
0 votes Share Flag Fri May 10, 2013 Financing in Los Angeles
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
NEED TO PLACE A LOAN ASAP -
Wow! you pulled this old thread out of the basement. What is it almost 2 years old?
0 votes Share Flag Sun May 5, 2013 Financing in Los Angeles
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
LOAN HAS NOT BEEN APPROVE
Before releasing contingencies, I would find out why your lender hasn't given you the warm and fuzzies. In over 20 years, I have NEVER had a client who lost their EMD. I would speak to ... more
0 votes Share Flag Sun May 5, 2013 Financing in Los Angeles
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Fred Glick, Agent in Santa Monica, CA
Fred Glick
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Tami Pardee, Broker in 90291
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90291
Sheri Bienstock, Agent in 90036
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Cherrie Brown, Agent in Santa Clarita, CA
Cherrie Brown
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