Financing in 10211 : Questions & Answers

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Roberts, Real Estate Pro in New York, NY
Roberts answered:
credit for start small business non u.s. resident
Please contact me via email. My name is John and my email is divercomm2@aol.com. What kind of business do you wish to finance? How much will you pay for this? Thank you and good luck ... more
0 votes Share Flag Thu Apr 11, 2013 Financing in SoHo
Jenet Levy, Real Estate Pro in New York, NY
Jenet Levy answered:
If I sign a contract to buy a house, do I also own the land?
Yes, typically when you buy a house in NYC you own the land. Not in London though, the queen owns it all! When it comes to co-ops and condos, usually the building owns the land, but n ... more
0 votes Share Flag Mon Apr 8, 2013 Financing in New York
Christopher…, Real Estate Pro in Westchester, NY
Christopher Pagli - ABR, GREEN answered:
Is there any reason to avoid 'no-name' lenders when shopping for a home mortgage refinance?
Its always wise to go with a reputable lender. You want to ensure there aren't any hidden fees and make sure they understand the area you aare buying in. Many times people use ba ... more
0 votes Share Flag Wed Aug 20, 2014 Financing in New York
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence 727.420.4041 answered:
Hello, my truth-in-lending says THERE IS NO GUARANTEE THAT YOU WILL NOT BE ABLE TO REFINANCE TO LOWER YOUR RATE AND PAYMENTS. What does it mean?
Jessie,
ARe you certain the statement is "no guarantee that you will NOT be able to refinance..."
As we all know, two negatives equal a positive. Sounds like you may be able to refina ... more
0 votes Share Flag Sun Aug 25, 2013 Financing in New York
Adina Greenb…, Real Estate Pro in New York, NY
Adina Greenberg answered:
I'd like to know if this property has already solt. I would like to pay all money in only one time.
In order for people to answer your question, you have to tell us about what property you mean. Also, it usually tells you whether or not a property has sold.
0 votes Share Flag Mon Apr 8, 2013 Financing in New York
Jacques Ambr…, Real Estate Pro in 11375
Jacques Ambron, CRB CBR SFR answered:
Can one qualify for an FHA loan without a credit history?
Probably, I'm assuming you don't have negative history. Income will also play a role. At this point you may want to estblish some credit which can help you lower interest rates.
0 votes Share Flag Tue Mar 19, 2013 Financing in New York
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can my parents in Canada help me buy a Co-op in NYC? Can this somehow be used to qualify me for a mortgage?
You should check with a local and trusted loan officer what may be available goven your credit rating. Some programs allow a gift from your parents. They may also come on as a co-borrow ... more
0 votes Share Flag Thu Mar 28, 2013 Financing in New York
Nick Agostin…, Real Estate Pro in New York, NY
Nick Agostinelli answered:
I am a non resident alien who is interested in buying an apartment in Manhattan. Would I be able to secure financing without any credit history?
Mohtashim,
You can get financing there are certain lenders you will need to work with, but you will also need a down payment as well. Depending on the lender, that will require the dow ... more
0 votes Share Flag Tue Feb 19, 2013 Financing in New York
Raphael Zeevi, Real Estate Pro in 10025
Raphael Zeevi answered:
Is defaulting on a timeshare the same as foreclosure. Can I be approved for mortgage shortly after settling the outstanding debt on a timeshare?
This question should, of course, be addressed to a lawyer. My intuitive answer is that default is default, whether it is in a credit card, a mortgage, or a time share
0 votes Share Flag Wed Dec 4, 2013 Financing in New York
Bill Bone, Real Estate Pro in New York, NY
Bill Bone answered:
Mortgage for non residents
Hi Joe, yes you can get financing from certain lenders for the purchase of a condo (but not a co-op). You will pay a higher rate, possibly 5-6% and should expect to put down 40-50%, po ... more
0 votes Share Flag Tue Feb 19, 2013 Financing in 10014
Anna Lin, Real Estate Pro in New York, NY
Anna Lin answered:
How much is the maintenance fee for this apartment.?
The comment Charge is $356 / month, real estate Tax is about $400 / month
0 votes Share Flag Thu Feb 7, 2013 Financing in Harlem
Dan Tabit, Real Estate Pro in Sammamish, WA
Dan Tabit answered:
Do people really put down 20% anymore?
Kim,
There are advantages to putting 20% down, the primary being you don't have to purchase Mortgage Insurance. Mortgage Insurance protects the lender, not you so you still would nee ... more
0 votes Share Flag Tue Jan 29, 2013 Financing in New York
Janet Stephen, Real Estate Pro in Wichita, KS
Janet Stephen answered:
How long will it take to process a loan application?
30 days if you are with a Good Realtor and a Great Banker and you are want to work and get all the stuff finished that you need to do.
Looking forward to working with you.
11 Years Ex ... more
0 votes Share Flag Sun Jan 27, 2013 Financing in Washington Heights
Joana Filgue…, Real Estate Pro in Aventura, FL
Joana Filgueiras, PA answered:
What might delay approval of a loan?
Discrepancy with borrowers financials, delay with appraisal, delay on obtaining the required documents from the association, borrower not delivering all required documents.... lots of r ... more
0 votes Share Flag Sun Jan 27, 2013 Financing in Washington Heights
Mark Fisher-…, Real Estate Pro in New York, NY
Mark Fisher-Mortg Lender answered:
What other costs besides a lender/mortgage broker's fees are typically associated with traditional loans?
You typically have mortgage tax, title search and title insurance, government recording fees, escrows, underwriting fee, processing fee, application fee, and possible discount points.
0 votes Share Flag Fri Feb 8, 2013 Financing in Harlem
William McBu…, Real Estate Pro in New York, NY
William McBurney Jr answered:
Mortgage for Foreign Buyer in NYC
No question I can find you the exact kind of apartment investment you want but regarding the current state of financing for a person with your status, I will check with my mortgage bank ... more
0 votes Share Flag Thu Dec 27, 2012 Financing in New York
Gail Gladsto…, Real Estate Pro in 11743
Gail Gladstone answered:
Qualifying for an FHA loan in NYC...
Please contact Dominick Sutera, a mortgage broker/banker at Academy Mortgage who will be delighted to answer your question. 516-249-4800 or duster@BankAMC.com
0 votes Share Flag Tue Sep 24, 2013 Financing in New York
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
We are preapproved for a mortgage. Is that the amount the bank will give us? How does the down payment figure into this?
Your loan officer should be answering any questions you may have, therefore consider a consultation...
0 votes Share Flag Mon Nov 5, 2012 Financing in New York
Michael Rich…, Real Estate Pro in New York, NY
Michael Richman answered:
is it possible to have to HELOC's?
That is a question to ask a mortgage banker. Let me know if you want me to provide you with the names and contact information of several well qualified mortgae executives in New York.
... more
0 votes Share Flag Wed Sep 19, 2012 Financing in New York
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