Financing in San Diego : Questions & Answers

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Joseph Sulli…, Real Estate Pro in 92037
Joseph Sullivan answered:
Can I get a mortgage without ssn or itin?
We offer various home loan programs for foreign nationals. Please contact me, I may be able to help you.
0 votes Share Flag Mon Oct 27, 2014 Financing in 92101
dorenezeller…, Home Owner in West Palm Beach, FL
dorenezeller17 answered:
US Citizen abroad seeking to secure loan for home in SD. How can I get a mortgage?
Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed ... more
0 votes Share Flag Thu Oct 23, 2014 Financing in San Diego
mark.demasco…, Real Estate Pro in San Diego, CA
mark.demascole asked:
Any Commercial Real Estate Brokers that need an experienced Commercial Lender ? I finance commercial real estate for Wells Fargo~ I would like to be a resource for you and your clients~ I have funded numerous commercial real estate transactions over the past 12 years…
0 votes Share Flag Tue Sep 30, 2014 Financing in San Diego
RJ Leal, Real Estate Pro in Chula Vista, CA
RJ Leal answered:
I am looking for a portfolio loan which doesn't require a 7 year seasoning period after a foreclosure. Any ideas about a product that fits my needs?
You should be able to get an FHA loan after 3 years from a foreclosure.
0 votes Share Flag Wed Sep 24, 2014 Financing in 92101
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
My refi lender requires a copy of pending litigation between my HOA and a homeowner to insure it's not construction defect or suing the builder.
Send me the name of the HOA and the address of the unit and I'll check to see if Wells Fargo has approved any loans in that building in the last year.
0 votes Share Flag Mon Aug 18, 2014 Financing in 92123
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Mortgage loan for J1 Visa holder?
The people that answered yes apparently don't know what a J-1 visa is. I highly doubt they have a program that will lend to under the circumstances you describe.
0 votes Share Flag Sat Jul 26, 2014 Financing in 92127
Christopher…, Real Estate Pro in San Diego County, CA
Christopher Spade answered:
Looking for lenders in San Diego that will do an investment property loan for a 5 units rental property in North Park. Down payment 35%. FICA 780.
If you are still looking let me know. I have several lenders that could help you.

Chris Spade
Keller Williams San Diego Metro
CA BRE #01785713
619-818-2992
0 votes Share Flag Sat May 31, 2014 Financing in San Diego
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Hi, I am interested in buying an SRO in NYC. There are tenants on the property, so my bank is not interested in lending. My credit score is over 800
this is a borderline scenario that we need more answers. feel free to contact me. thanks
0 votes Share Flag Thu May 22, 2014 Financing in 92101
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Rumors of 5% down for jumbo loans?
We offer a 90% JUMBO loan up to 1 Million. This program is available nationwide with a 680 credit score or better. Additionally, we have a pledged assets program up to 5 Million, this p ... more
0 votes Share Flag Tue May 20, 2014 Financing in San Diego
Shay Mc Dowe…, Both Buyer and Seller in 92113
Shay Mc Dowell answered:
Financing from overseas.
You and yours are more than Welcome to America' Finest City*... ( by motto*, ) ... First it is casual, Open comfortable ... climate is rich with Vitamin D. The atmosphere; is cultural ... more
0 votes Share Flag Mon May 12, 2014 Financing in San Diego
steelmonkey1, Home Owner in Pahrump, NV
steelmonkey1 answered:
Is it feasible to obtain a 2nd mortgage to buy a second home (as my future primary residency) with the intent to rent out my current condo?
You can obtain a second mortgage on an investment property by placing your current property in a living trust. You can find the answers to your questions about trusts by either callin ... more
0 votes Share Flag Wed May 7, 2014 Financing in San Diego
Neal Akin, Real Estate Pro in San Diego, CA
Neal Akin answered:
Names of lenders that deal with unconventional lending or portfolio loans?
David,

Try BBVA Compass Bank, my clients and I have had success with them and their portfolio products.

To gain insight as to who I am, how I conduct myself and how I take great c ... more
0 votes Share Flag Fri Apr 18, 2014 Financing in 92101
Bryan Horn, Real Estate Pro in 92101
Bryan Horn answered:
Manual approval then denied by VA
Who is the lender? Industry veterans will be able to judge whether the lender is too conservative and weigh in here...
0 votes Share Flag Thu Apr 10, 2014 Financing in San Diego
creid, Real Estate Pro in Baton Rouge, LA
creid answered:
What is the average broker's fee for securing a business loan?? I am in San Diego.
As a loan broker, we charge a sliding scale for front end documentation ($2K to $10) depending upon complexity. And a sliding scale on the back end as well of 1 to 3 points. It all de ... more
0 votes Share Flag Mon Apr 7, 2014 Financing in 92115
Marilia Cath…, Real Estate Pro in 92101
Marilia Cathcart answered:
Is it legal in California for a broker to be the buyer's agent and also the mortgage broker in the same transaction.?
It is not illegal but FHA does not authorize the agent to be the lender for the buyer and some conventional lenders also don't fund loans when this situation happens.
0 votes Share Flag Sat Mar 29, 2014 Financing in San Diego
Terry Lewis, Real Estate Pro in San Diego, CA
Terry Lewis answered:
Are there any lenders offering jumbo construction loans (approx. $2 million total project cost) with an 80% LTV? This is for San Diego County.
Hi Matt,
There are also JV partners that could lend you based on an equity ownership and minimum return.
0 votes Share Flag Sun Mar 16, 2014 Financing in 92127
John Costigan, Real Estate Pro in 92021
John Costigan answered:
What does a PMI refer to?
Private mortgage insurance protects the lener when you have less than a 20% down payment. Sometimes when the equity position gets to a point that it exceeds 20% the PMI can be taken of ... more
0 votes Share Flag Wed Mar 12, 2014 Financing in San Diego
Ara Melkonia…, Real Estate Pro in San Diego, CA
Ara Melkonians answered:
My credit sucks. Can we buy in my wifes name & add my income 2 hers 2 quailify 4 a bigger loan w/o bringing her credit score down & interest?
When was the BK discharged and date of short sale please?
0 votes Share Flag Mon Jan 27, 2014 Financing in 92122
Ara Melkonia…, Real Estate Pro in San Diego, CA
Ara Melkonians answered:
Can you do a FHA and VA loan for the same borrower?
The true answer here is MAYBE. More questions need answering before a definitive answer. FHA has 97% financing. Are you thinking you want to combine and get to 100%? NO NEED if so, V ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
Ara Melkonia…, Real Estate Pro in San Diego, CA
Ara Melkonians answered:
Hi, I applied for housing loan to buy a property,and now my question is can I buy that property in my spouse name?she is a home maker .
Hi there, yes you may amend an escrow document with new borrowers and remove old borrowers at will. The question will be whether you proceed conventional or FHA. FHA has a policy whic ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
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