Financing in All Locations : Questions & Answers

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Tony Garcia, Real Estate Pro in Charlotte, NC
Tony Garcia answered:
Looking for a Portfolio Lender in TX. Credit score is 600 (due to BofA snafu), longevity at job, $250K in liquid assets, $200K down on $500k house.
What sort of Snafu. I need a minimum score of 620, feel free to emial me at to discuss your situation. Depending on your tradelines we might be able to re sco ... more
0 votes Share Flag Fri Apr 5, 2013 Financing
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Is it inadvisable to use an FHA loan under the current buying environment? Also, what are the type of properties one can purchase if one uses FHA?
Your loan officer can better advise as to the best loan option for you after he/she has reviewed your overall financials. FHA loans cannot be used for co-op purchases, and it excludes s ... more
0 votes Share Flag Fri Apr 5, 2013 Financing in Forest Hills
Deborah Rigs…, Real Estate Pro in Durham County, NC
Deborah Rigsbee Miller answered:
How do I find a lender who actually knows how to handle USDA loans and special circumstances?
Hey Rey, If you will contact me I will speak to a couple of lenders I know who have a national presence for their peer counter parts that can handle USDA and less than the traditional ... more
0 votes Share Flag Wed May 29, 2013 Financing in 78108
Fred Yancy,…, Real Estate Pro in Woodstock, GA
Fred Yancy, Broker answered:
Apply for loan - Non US Citizen

We receive requests from people interested in buying a home in the United States who are not US citizens. The status of a person in the United ... more
0 votes Share Flag Thu Dec 5, 2013 Financing in Atlanta
Inna Ivchenko, Real Estate Pro in Encino, CA
Inna Ivchenko asked:
is there anyone can help me to understand how NHS works if you buy the house through them? I'd hope to hear from a lender who has experience with such programs or pro and buyers who successfully purchased a property with their help. Thanks!
0 votes Share Flag Thu Apr 4, 2013 Financing in California
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Bought home in 2008@6% int. In 2010, job ended. In 2012, he landed a job in Texas. We rent an apt. now. Can we refinance?
Let's discuss your loan scenario in more detail. I would appreciate the opportunity to earn your business, contact me at 800 315 8803. My name is Bart and I have been in the mortgage bu ... more
0 votes Share Flag Fri Apr 12, 2013 Financing in 60640
Melvin List, Real Estate Pro in Florida
Melvin List answered:
Is it possible to get a 650k mortgage in Duval County, Florida with 10% deposit?
Yes, as long as it is your primary residence. I have a portfolio loan with 10% down and no mortgage insurance.
0 votes Share Flag Thu Apr 4, 2013 Financing in Duval County
TODD BROZOVI…, Real Estate Pro in 23454
Looking for Condotel financing
I know this question was asked in April but the only lenders in this area that may entertain that type of property is Bank of America and or Wells Fargo. You can check there if ... more
0 votes Share Flag Thu Jan 9, 2014 Financing in Virginia Beach
Ben Johnson, Real Estate Pro in Minneapolis, MN
Ben Johnson answered:
Will any local C.U./banks approve of a Re-fi on my current property, knowing it's only been 2 years since my short sale?
Depending on the rest of your financial situation Matt Stengle at RoundBank may be able to help you 651-463-8300. I have used him for unique situations in the past and he has done a gre ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in Minneapolis
Bill and Lois…, Real Estate Pro in Tampa, FL
Bill and Lois Szydlowski answered:
Can anyone recommend a good FHA 203k loan expert in the Tampa area please?
Mike and Mary,

I would be happy to recommend one of the brokers I work with. I just got one of my clients approved in less than 20 days for an FHA loan. I am a little curious though. ... more
0 votes Share Flag Yesterday at 3:39pm Financing in Tampa
Julie A. Hor…, Real Estate Pro in 92602
Julie A. Horvath answered:
Mortgage Broker that specialize in VA Loan
Hi Reginald,
I would be happy to get you a letter today. Please call me at 740.602.3320 or on my office line at 866.901.3570. I am very experienced working with VA borrower's and loo ... more
0 votes Share Flag Thu Jun 20, 2013 Financing in Atlanta
Loreen Cinga…, Real Estate Pro in Medford, MA
Loreen Cinganelli answered:
Refinancing denied due to "incomplete renovations in progress."
Unfortunately, Gary, with any financing, the lenders will not allow you to finance if repairs are needed or "in process". When it's a new purchase of an unfinished home, buyers are req ... more
0 votes Share Flag Mon Dec 30, 2013 Financing in 02155
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Does a higher appraisal increase property taxes?
No. Appraisals are between you and the appraiser (and the lender if you are refinancing).

Your taxable value is determined by the assessor, who will look at recent property sales to ... more
0 votes Share Flag Thu Apr 4, 2013 Financing in Suisun City
Sheila DeCamp, Real Estate Pro in Saint Petersburg, FL
Sheila DeCamp answered:
I have a pre-qualification letter for a VA Loan and I want a new Ryan home . Will RyanHomespay the closing cost?
Hi there,
Most likely they will. Most builders are willing to help out owners with closing cost and or upgrades. Feel free to contact me and I will go over the details.

Thanks Sheil ... more
0 votes Share Flag Thu Apr 4, 2013 Financing in Seminole
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Looking for a lender with minimum 10 years experience, ability to close conventional and FHA loans; contract to close in 20 days.
I don't lend in Florida so don't confuse my question with having anything to do with me submitting my name for consideration.

With that said;

Why do you need 10 years experience? ... more
0 votes Share Flag Fri Apr 5, 2013 Financing in Broward County
Gail Gladsto…, Real Estate Pro in 11743
Gail Gladstone answered:
What is rent to own furniture?
Lease the furnitute for a required amount of time and either own it at the end of that time or you may be given a dollar amount buyout at the end of the period.

It is very similar to ... more
0 votes Share Flag Tue Jun 25, 2013 Financing in Queens
Richard Matus, Real Estate Pro in Oakland, CA
Richard Matus answered:
Does building a "green" home necessarily mean a more expensive home (material-wise)?
Not always, sometimes it is a decision of using a different product at a similar cost. There is an organization called Build It Green ( that has lots of good info that ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Oakland
Gail Gladsto…, Real Estate Pro in 11743
Gail Gladstone answered:
What does it mean when you no longer have "vested interest" in a property?
Typically it would mean you are no longer on the deed, but do check with an attorney and possibly your CPA.
0 votes Share Flag Wed Apr 3, 2013 Financing in Bronx
Laura Feghali, Real Estate Pro in Stamford, CT
Laura Feghali answered:
Is it possible to get a jumbo loan?
Hi Samsam,
Yes, jumbo loans are still available to buyers that qualify. I suggest that you contact a few lenders to determine if you qualify and inquire what their rates and fees a ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Bronx
Joe Greene, Real Estate Pro in 10463
Joe Greene answered:
The government has refilled lenders why aren't they lending?????
Hi SamSam,

This is a Multifold question and although you may believe it is straightforward it is not. There are many reasons banks are putting up road blocks to lending.

1 answ ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Bronx
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