Financing in Phoenix : Questions & Answers

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Korene L. Cl…, Real Estate Pro in Peoria, AZ
Korene L. Clopine-Seaman answered:
My credit score is 580. I currently only have one revolving account (auto loan) but had trouble with defaulted student loans a couple of years ago.
Ashley, I would call a Certified Credit Coach. The best one I know is Derick Vogel and Ariel Vogel. They give great service and help you resotr and rebuild your credit. Call 480-478- ... more
0 votes Share Flag Tue Apr 2, 2013 Financing in 85014
Korene L. Cl…, Real Estate Pro in Peoria, AZ
Korene L. Clopine-Seaman answered:
I'm trying to refinance my home. We had an appraisal, but now Freddie Mac is devaluing my home $13k less then the appraisal.
Having done numerous HARP refinances, I would suggest you look at the overall costs and savings. I would be pleased to compare our service, fees, costs, etc, against anyone you wish to ... more
0 votes Share Flag Tue Apr 2, 2013 Financing in 85014
Korene L. Cl…, Real Estate Pro in Peoria, AZ
Korene L. Clopine-Seaman answered:
What options do I have for Freddie Mac refinance under Harp 2? My mortage is $208,000 and my home value is $155,000.
Nancy, As a Mortgage Banker with Pinnacle Capital Mortgage, a direct Fannie Mae and Freddie Mac lender, I am helping complete a number of HARP 2.0 refinances. Some of these transact ... more
0 votes Share Flag Tue Apr 2, 2013 Financing in 85014
Manuel.Amaya, Real Estate Pro in Phoenix, AZ
Manuel.Amaya answered:
What is included in a monthly mortgage payment?
Other replies have good answers. Your monthly mortgage payment, depending on which type of program you aquire can include many things,i.e; principle and interest- is the most common if ... more
0 votes Share Flag Tue Apr 2, 2013 Financing in Phoenix
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller Pllc answered:
Small Mortgage for Investment Property
Most lenders won't be willing to do a small mortgage like this. You might want to find a small lender, like a hard money lender, that can do this note for you.
0 votes Share Flag Wed Mar 13, 2013 Financing in Phoenix
Debbie Nieman, Real Estate Pro in Phoenix, AZ
Debbie Nieman answered:
I live in Chicago and I don't own a home. I'm interested in buying a home in Phoenix as my primary resident. Can I get mortgage?
There have been many answers sent to you. The best advise, talk with a lender.

To purchase a home as a primary residence one needs to live and work in the same place unless your wor ... more
0 votes Share Flag Sat Feb 23, 2013 Financing in Phoenix
BParker, CPA*, Real Estate Pro in Scottsdale, AZ
BParker, CPA* answered:
How do refinance mortgages differ from home purchase morgages?
Hi Trulia:

Couple questions back at you.

Are you asking about the legal aspects, as David started to address, or, are you asking about the process? Unlike David, I think it varie ... more
0 votes Share Flag Sat Feb 23, 2013 Financing in Phoenix
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
Need advise...Thanks!
Tamara, thanks for the follow up information.

The amount of interest that is tax deductible on a mortgage is determined by how much interest you pay (as well as your tax bracket, and ... more
1 vote Share Flag Fri Feb 22, 2013 Financing in Phoenix
Frederik, Home Buyer in Lauderdale-by-the-Sea...
Frederik answered:
Hello, I'm a foreign national interested in financing for for a small investment home in Phoenix, AZ but can't find any leads. Any clues?
Hi,

We are group of foreign investors from Australia, Europe and Malaysia interested in buying Single family and Multi-family properties in the states Texas, Arizona and Florida.

... more
0 votes Share Flag Fri Feb 22, 2013 Financing in Phoenix
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
can I refinance my 30 year loan to a 15 year loan and get rid of pmi?
It certainly appears as if you would be able to avoid PMI if you refinanced. You can't improve much on the rate you have now if you stick with a 30 year, however if you refinanced to ... more
1 vote Share Flag Thu Feb 14, 2013 Financing in Phoenix
Jose Dias, Real Estate Pro in Phoenix, AZ
Jose Dias answered:
HOw do I find private money for short term investment deal?
Scott,

I work with investors and sometimes I help them put together the financing. In most cases it involves finding other investors that are willing to lend the money for a real est ... more
0 votes Share Flag Fri Feb 1, 2013 Financing in Phoenix
Deric007, Home Buyer in Phoenix, AZ
Deric007 answered:
Can anyone point me to a local bank or other lender who does portfolio financing on residential or commercial properties in Tucson and/or Phoenix?
Did you get financing yet on your commercial property?
We do commercial financing, and we are at www.jcunderwriting.com
thanks
0 votes Share Flag Tue Jan 29, 2013 Financing in Phoenix
Deric007, Home Buyer in Phoenix, AZ
Deric007 answered:
Who is a good, creative multi-family loan broker in Phoenix area? I am interested in purchasing a 5 unit apartment building. Thanks!
Hi I can be reached at dmoore@JCunderwriting.com
www.JCunderwriting.com
0 votes Share Flag Tue Jan 29, 2013 Financing in Phoenix
Rob Weber, Real Estate Pro in Chicago, IL
Rob Weber answered:
When is it better to stick with one's bank instead of shopping around?
Having worked at a brokerage, bank and direct lender, I've found the rate/fee at direct lenders to be the most competitive. Banks have brick & mortar so that means they have a lot of o ... more
0 votes Share Flag Fri Jan 18, 2013 Financing in Phoenix
BParker, CPA*, Real Estate Pro in Scottsdale, AZ
BParker, CPA* answered:
Wondering if you know of any portfolio investment financing
Hello:

As discussed in our emails, we have a lender which will lend to those with up to 20 financed properties. I have a message in to their representative, but people are out with t ... more
0 votes Share Flag Fri Jan 18, 2013 Financing in Phoenix
Jose Dias, Real Estate Pro in Phoenix, AZ
Jose Dias answered:
How much money will I need to put down to buy a house or condo with no income verification? Currently a student but tired of renting.
Traditional financing will probably not work for you as they require proof of income. The basic idea is that you should be able to pay back the loan. It doesn't really matter how much m ... more
0 votes Share Flag Fri Jan 18, 2013 Financing in Phoenix
meton_magis, Other/Just Looking in Phoenix, AZ
meton_magis answered:
I bought my current home before I got married, and we both signed a pre-nuptial agreeing that the home will remain my private property.
well a pre-nuptial was completely unnecessary,

http://www.azleg.state.az.us/FormatDocument.asp?inDoc=/ars/25/00213.htm&Title=25&DocType=ARS

Arizona statute, it's yours no matter w ... more
0 votes Share Flag Thu Nov 29, 2012 Financing in 85016
Stephanie We…, Real Estate Pro in Gilbert, AZ
Stephanie Weiss answered:
Are there any lenders who will sell a home to someone who has a 692 credit score but a default judgement on their credit?
Your best bet is to speak to a lender who you can provide specifics to and who can determine your buying ability. All the best!
0 votes Share Flag Wed Nov 7, 2012 Financing in Phoenix
Stephanie We…, Real Estate Pro in Gilbert, AZ
Stephanie Weiss answered:
Investment Loan for Foreign National
The only lender I know that is giving loans to foreign nationals is Compass Bank and that's for a "second home". I don't know if they will refinance. Good luck!
0 votes Share Flag Tue Oct 23, 2012 Financing in Phoenix
Manuel.Amaya, Real Estate Pro in Phoenix, AZ
Manuel.Amaya answered:
I am a Canadian investor. Would I be able to get a mortgage?
I can assist. Call me today at 480-783-6798 or e-mail me at Manuel.Amaya@BBVACompass.com .

We specialize in Canadian and Foriegn Investors.
0 votes Share Flag Fri Sep 14, 2012 Financing in Phoenix
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