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Alan May, Real Estate Pro in 60201
Alan May answered:
Careful!!! I never received keys or lease after deposit which wasn't returned for this property from Futton Wells/Robo/Martin Charlene Pagan!!! Ripoff
Yours is a cautionary tale.

Never send money in advance, for the promise of keys later. Especially if you've never been inside the property, nor met the owner (landlord), and they a ... more
1 vote Share Flag Mon Feb 9, 2015 Home Buying in Stonestown Apartments
James Rocco…, Home Buyer in Santa Monica, CA
James Rocco Hansen answered:
is it fraudulent to pay commission outside of escrow?
It seems to me that Alan simply doesn't like the fact that a licensed agent is earning a commission. At all. Period. As a buyer, Alan is not even a party to the contract in the listi ... more
0 votes Share Flag Mon Feb 9, 2015 Home Buying in San Francisco
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
I am Planing to go for a 300k home, I can try to put 10% down, my confusion is whether to go for FHA or 10 down%, conventional?,
You can get an FHA loan with 3.5% down most conventional loans need 20%. I have client's who have got approved and received a good rate at The Lenders Network I would check them out the ... more
2 votes Share Flag Sun Feb 8, 2015 Financing in 94117
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
I'm trying to get 4-unit a refi on a jumbo loan. My property is a 4-unit on Russian Hill.
I would be happy to discuss with you. I have closed loans on 4 unit properties. You plan to live in the property correct? You should be able to count 75% of the rents from the units ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in 94109
Craig Bosse, Real Estate Pro in Concord, CA
Craig Bosse answered:
Are there any lenders out there in the Northern CA area who can/will do a refi on a jumbo loan when I have a high debt to income ratio?
Hi Bernie,

We may have a product that would fit you. I would need to know more about your scenario.

Are you self employed? Do you have liquid assets?

Thanks.
0 votes Share Flag Sun Feb 8, 2015 Financing in 94109
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
How does an underwriter treat a gap in taxable income?
They will likely ask for a letter of explanation to provide information as to why there is a gap. Other than that it shouldn't be too big of a deal. I suggest you speak with a lender li ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Bernedette, Home Buyer in Vero Beach, FL
Bernedette answered:
Which banks in the Bay Area offer doctors/physicians loans besides Wells Fargo?
Hi Graham,

You may want to contact Rae Drake with Fifth third Bank. I have referred her for the past 10 years to my buyers and she has always performed professionally. She put ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Robert J. Kr…, Real Estate Pro in 21704
Robert J. Krop answered:
If a home buyer has a less-than-perfect credit score, how hard will it be for them to get a mortgage these days?
If your credit score is lower it can effect the likelihood of a mortgage. FHA can do as low as 580, but you will need to contact a local lender as they often have additional requiremen ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in Russian Hill
Ted Rood, Real Estate Pro in 63146
Ted Rood answered:
Is the standard percent down still 20% for a home loan?
No need for 20% down. I write loans all over the country for qualified borrowers with as little as 5% down. FHA is a loan of last resort, I can even now use gift funds for the down pa ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Mitchell Lub…, Real Estate Pro in Los Angeles County, CA
Mitchell Lubinsky answered:
Currently have a loan @5.6% and am current, with a stelar credit rating; however, due to low income (fixed) a can not refi at a lower rate
You may qualify for HARP streamline refi, if your loan belongs to FNMA or Freddie Mac. This type of refi goes by stated income and stated assets. But it is barely available to independe ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in 94114
Ted Rood, Real Estate Pro in 63146
Ted Rood answered:
Are there really mortgages at 4.5%?
Yeah, not sure who's writing loans at 5.25%, but that's ridiculously high. Best execution rates for conforming loans are now in the mid 4's. Each borrower's rate is based on a number ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in 94114
Chris Goulart, Real Estate Pro in Brentwood, CA
Chris Goulart answered:
When is equity sharing a good idea?
The deals I run across in need of equity sharing typically involve rehab or construction/construction completion. Giving up a portion of your equity or profits is a good idea when you ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in Mission
Terry Farnsw…, Real Estate Pro in Crystal Lake, IL
Terry Farnsworth answered:
How can Fannie Mae help a home buyer?
Fannie Mae has a program called HomePath - which sets less restrictive, "buyer-friendly" guidelines by which lenders must follow when lending money on a Fannie Mae-owned property. Your ... more
1 vote Share Flag Sun Feb 8, 2015 Financing in Mission
Sam Shueh, Real Estate Pro in San Jose, CA
Sam Shueh answered:
what is the minimum credit score for Home Path loan?
Possible. You need to confirm DTI, downpayment will meet other criterion
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Matt Brozek, Real Estate Pro in El Dorado Hills, CA
Matt Brozek answered:
Looking for 80/10/10, no MI-loan for San Francisco bay area home
Yaz-

There are a number of Lenders that offer 80-10-10 options. BBVA Compass has a Portfolio Program that offers 80-10-10 or 75-15-10 Combos to $1M. Hope that helps. Please feel fr ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in 94105
John Connor, Home Buyer in Kansas City, MO
John Connor answered:
Will payday loans on my banks statements hurt my chances for FHA loan approval?
I would talk to a professional. I think that a broker that is licensed would be able to help you the most. I wouldn't want to jump into more debt right away. Good luck I hope you get wh ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Jaime Rico, Home Buyer in Imperial, CA
Jaime Rico answered:
I have an approval from Guild Mortgage - how do they compare to a Big Bank (Wells, BofA, etc) - can I rely on them to pull through?
Guild Mortgage in El Centro, CA, specifically Ralph Ponce has made our home purchase the worst experience ever. I have never in my life dealt with anyone more unprofessional. If you dea ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
Omar Khamisa, Real Estate Pro in Stockton, CA
Omar Khamisa answered:
What is current 15 & 30 year fixed rate for re-finance is Soma?
Hi Ernie:

It will depend on your debts to income ratio, property type, credits score. Please give us a call, we can help.

thank you for your interest, we 60+ investor's.

Omar ... more
0 votes Share Flag Sun Feb 8, 2015 Financing in San Francisco
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
What banks offer 6 unit TIC loans?
Anon what are you really trying to accomplish?

Happy funding, Rudi
0 votes Share Flag Sun Feb 8, 2015 Financing in 94103
Paul Hwang, Real Estate Pro in 94105
Paul Hwang answered:
Looking for a mortgage broker with expertise in SOMA work/live loft refinancing.
email for some good guys to work with. paul@skyboxrealty.com
0 votes Share Flag Sun Feb 8, 2015 Financing in 94103
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