Financing in Orange County : Questions & Answers

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Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Extracting Cash from a greatly appreciated house
I don't understand what you mean by "put more equity in the new loan;" however, it may be possible to refinance and take cash out if there is equity and they qualify. It may however not ... more
0 votes Share Flag Mon Aug 11, 2014 Financing in San Juan Capistrano
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I know, I know, another 10% vs 20% down scenario
Have you considered putting down 10%, getting a 1st mortgage for 80%, a 2nd mortgage for the remaining 10%? It's called an "80/10/10" and it'll allow you to avoid paying all forms of P ... more
0 votes Share Flag Wed Jul 30, 2014 Financing in 92692
Laura Maldon…, Real Estate Pro in California
Laura Maldonado, BBA, MBA, MLO answered:
Refinance Piggyback? HELOC?

I do have a solution for you. You would need to refinance your first mortgage, with my company, and then we will do a "piggyback" to get you out of the PMI.

Answers to you ... more
0 votes Share Flag Thu Jul 24, 2014 Financing in Mission Viejo
Asad Taheri, Real Estate Pro in San Francisco, CA
Asad Taheri answered:
Can a foreign national get a mortgage loan in US (for investment purposes)? How hard?
I am a Premier Mortgage Consultant with HSBC Bank USA. We offer a unqiue Mortgage Solution for our Premier Banking clients that makes the dream of financing your home realistic and stre ... more
0 votes Share Flag Mon Jun 23, 2014 Financing in 92782
Sheryl Arndt, Real Estate Pro in California
Sheryl Arndt answered:
Can three people get seperate loans and put them on one house?
Hello Tdavidwilson2, all three can go on one application to qualify and all three on title as ownership in different ways to hold title. You may qualify FHA from a minimum 580 fico scor ... more
0 votes Share Flag Tue Jun 3, 2014 Financing in Cypress
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
I was looking for an answer to this question: Is the "closing cost" the same as the "total estimated settlement charges"?
HUD-1 estimated cost is what you need for closing. It is a starting point.
After escrow the pennies and dimes are adjusted.
0 votes Share Flag Fri May 30, 2014 Financing in 92679
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
does hud allow poc items (appraisal, etc) to be credited toward down payment?
If there is another credit from either the seller or from the lender, this can easily be accomplished. The easiest way would be to have the lender credit the amount of these items.
0 votes Share Flag Thu May 29, 2014 Financing in Huntington Beach
Richard Litt…, Real Estate Pro in Orange County, CA
Richard Littlefield answered:
Should I refinance into a conventional loan 4.5%. borrowing 530,000 with a home value of 675,000. Currently FHA with PMI $500 a month rate of 3.5%.
Need a bit more information, what are the closing costs and what is your mid FICO?

I am assuming you have a credit score of 720.

Being that I can do t his loan for you @ 4.25% w ... more
0 votes Share Flag Thu May 29, 2014 Financing in Orange County
Pportoff, Real Estate Pro in San Jose, CA
Pportoff answered:
Is anyone doing 75% ARV Hard Money loans in California?? It is an REO with no rehab. I need anything close to $692k.
There aren't many lenders who would do that. In fact I've only found one that will go up to that LTV. However, at above 500K loan amounts I think they take it on a case by case basis. I ... more
1 vote Share Flag Thu May 22, 2014 Financing in 92602
Larry Webb,…, Real Estate Pro in 92694
Larry Webb, REALTOR, PhD, MBA answered:
We owe more than our house is worth and would like to get a lower interest rate to lower monthly payments. Excellent credit rating, no missed payments
Hi Cindy, The market has gone up quite a bit in price since your original post and you may no longer be under, please contact me below and I can put you in touch with a great ... more
0 votes Share Flag Thu Mar 27, 2014 Financing in 92867
Jaleesa Pelu…, Real Estate Pro in Laguna Beach, CA
Jaleesa Peluso answered:
I want to buy a property, and need a lender. How do I find the right one? Timing is an issue and I have been hearing that it takes 60-90 for lenders
Hi Saintsfan!

Thanks for posting this question on Trulia. I think that it will be a good idea to talk to your real estate agent. As agents we deal with lenders all the time and afte ... more
1 vote Share Flag Mon Mar 10, 2014 Financing in Laguna Niguel
Linda Hollin…, Real Estate Pro in 92646
Linda Hollinghurst answered:
What does someone have to do with their mortgage and HELOC after bankruptcy? What if they want to keep home?
You should ask this question before filing for Bankruptcy with your Attorney.
0 votes Share Flag Sun Mar 9, 2014 Financing in 92708
Cal Funds, Real Estate Pro in Huntington Beach, CA
Cal Funds answered:
Want to refinance manufactured home on leased land in Huntington Beach Current rate 9 percent
I would like to refer you to INC Real Estate Corporation in Fullerton, CA. They are most likely going to be able to do that for you. Follow this link and the number will be right there. ... more
0 votes Share Flag Wed Feb 26, 2014 Financing in Huntington Beach
Katja J. McG…, Real Estate Pro in Cornwall, NY
Katja J. McGorman answered:
i am a canadian citizen been working and residing in the US for 4 years. 3 years a s an employee and now w my own co. Can i get mortgage?
Well...very happy to hear from Brian Nguyen that in his area banks offer loans for "freshly" self employed foreign citizens with US residency. I do have a lot of clients, very reputable ... more
0 votes Share Flag Mon Feb 24, 2014 Financing in 92782
Steve Burgess, Other/Just Looking in San Juan Capistrano,...
Steve Burgess answered:
How much money do you have to make to relocate to California?
Well California has many areas which cost moderate, but there are many other places too which can be pretty expensive . I believe you first need to sort out your budget, basis on which ... more
0 votes Share Flag Mon Feb 10, 2014 Financing in San Juan Capistrano
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Are there any "no qualifying loans" with 30% down?
We offer a bank statement loan. As long as you can show 24 months of bank statements, we can approve you based on the deposits. We also offer NO DOC and stated loans in CA. Let's discus ... more
0 votes Share Flag Tue Feb 4, 2014 Financing in 92807
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
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.
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
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
Jamie Tian, Real Estate Pro in Los Angeles, CA
Jamie Tian answered:
are you listing to sale this house?

You did not give an address to the house you are referring to.

Feel free to email me at or give me a call at (310) 717-1321 and I would be happy to find ... more
1 vote Share Flag Wed Dec 11, 2013 Financing in 92706
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