Financing in 19154 : Questions & Answers

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Lori, Real Estate Pro in Bethlehem, PA
Lori answered:
Is anyone doing jumbo loans in Philadelphia with under 20% downpayment?
Possilby with really good credit. Rate is a little higher - Give me a call 610-433-8180 x12
0 votes Share Flag Mon Apr 5, 2010 Financing in Philadelphia
Julie Norwood, Real Estate Pro in New Milford, CT
Julie Norwood answered:
Will i be able to get a home loan with a credit score of 680 with current student loans.?
Yes you will be able to buy a home, the first thing you should do is see if you have enough to put down on the house in order to qualify with your current debt that you have including t ... more
0 votes Share Flag Wed Mar 3, 2010 Financing in 19119
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
I need a private lender to help me close on a deal I have in Temple . I have a great credit score and assets .
Leigh private mortgages are great for investors, not if you are looking to owner occupy. Hopfully you have worked with a private lender before, if not make sure you know the terms, leng ... more
0 votes Share Flag Thu Jun 10, 2010 Financing in Philadelphia
Dennis Camp, Real Estate Pro in Lithonia, GA
Dennis Camp answered:
Can you buy a house with credit in the 500's range? If so what type of home?
There are still a few lenders around but not many that will do a loan with a 580 score. It would probably have to be an FHA loan. Consult a mortgage professional near you.
0 votes Share Flag Sun Feb 21, 2010 Financing in Philadelphia
Patrick Thies…, Real Estate Pro in Elmhurst, IL
Patrick Thies SFR, CNC answered:
Is it really good deal with refinancing 60000 loan from 5.5% with 30 yrs term to 4.25% with 15 yrs term?
Depends on what it does to your monthly payment. If it's an amount that you can make without strapping yourself, then its a good deal. You will save quite a bit in interest by re ... more
0 votes Share Flag Thu Jan 28, 2010 Financing in 19124
Terrence Cha…, Home Owner in Allentown, PA
Terrence Charest answered:
What do I do if less than a week before closing my loan is denied?
Need more information. Why was it denied? Did you lose your job? Was commitment signed? Are you working with a real estate agent? If you are get with them.

Terrence Charest, e-Pro
0 votes Share Flag Thu Jan 21, 2010 Financing in Philadelphia
Kathy Weber…, Real Estate Pro in Temecula, CA
Kathy Weber (951) 551-7587 answered:
We've lived here for 2 years, renovated the kitchen and currently have a 6 % APR for 30 years. Can I go lower? Where do I begin?
Kimbellie,

Are you looking to also refinance?? Sounds like you're also asking if because of your remodel if you have additional equity(?)

My suggestion would be to contact t ... more
0 votes Share Flag Tue Jan 5, 2010 Financing in Philadelphia
Natale Terra…, Real Estate Pro in Newington, CT
Natale Terranova, Jr answered:
Can I get the $8.000 tax credit up front towards a down payment on a house
Some states allowed a down payment for this credit however. the IRS is stating the following :

Several new restrictions apply to homes purchased after Nov. 6, 2009.

Purchasers mus ... more
0 votes Share Flag Thu Dec 31, 2009 Financing in Philadelphia
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Can I get the $8.000 tax credit up front towards a down payment on a house
Speak to your tax consultant for IRS Code qualifications.
0 votes Share Flag Thu Jan 7, 2010 Financing in Philadelphia
Mike Rosania,…, Real Estate Pro in Philadelphia, PA
Mike Rosania, CDPE answered:
I own 2 single properties in cash,my other properties r financed : 4 duplex ,a 5 unit, 2 singles. plus my home all are in my name and husbands and
Your best shot would be with a local bank right now. I know TD Bank has a program but not sure they will do a blanket loan.
0 votes Share Flag Thu Jun 10, 2010 Financing in Philadelphia
Carol Murray…, Real Estate Pro in Montgomery County, PA
Carol Murray Cei answered:
Regarding an FHA Stream Line Refi, is there a lender that will actually base the loan decision on the Payment History and ignore the Credit Score?
Hello, Ed,

I don't think any lender TOTALLY disregards the credit score, however, I recently had someone with a 583 purchase one of my listings with an FHA loan; and I have done ... more
0 votes Share Flag Mon Nov 30, 2009 Financing in 19114
Dcolemanp1, Home Buyer in Philadelphia County,...
Dcolemanp1 answered:
What are my options for a jumbo loan with less than 20% down?
Also just a note to follow up - we both have credit scores above 750.
0 votes Share Flag Tue Nov 10, 2009 Financing in Philadelphia
Terrence Cha…, Home Owner in Allentown, PA
Terrence Charest answered:
i have a house in s. phila that i gutted. nothing in it was salvagable. i wanted to get a phila home improvement loan. i applied, was approved,
Well that's the thing, isn't it? When you get this loan, you are supposed to use licensed contractors and I am sure that you were made aware of this. To answer your question, ... more
0 votes Share Flag Sat Oct 31, 2009 Financing in Philadelphia
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
FHA appraisal came back well under contract price. What now?
Do the comps that your realtor showed you (if you used one) agree or disagree with the appraisal?

If you still can not get the appraisal higher, then you could put down more money so ... more
0 votes Share Flag Wed Oct 28, 2009 Financing in 19125
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
My client owns an LLC and wants to obtain a HELOC on a property that he owns outright. Can you help me help him?
If he keeps it as an LLC, it will be considered a commercial loan since a commercial entity owns the property. He'll most likely have to take the property out of the LLC long enoug ... more
0 votes Share Flag Mon Sep 28, 2009 Financing in Philadelphia
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
If I bought a lot in Poteet, TX and plan on building a home there. How would this process start I have no clue.?
Two, no, 3 ways to do this: One is to find that guy on ABC to build it for you...just kidding. Okay, 2 ways. The first is to find out if you want to build it yourself or have someone bu ... more
0 votes Share Flag Mon Sep 28, 2009 Financing in 19103
Mike B, Real Estate Pro in Raritan, NJ
Mike B answered:
Can anyone recommend a reputable FHA lender?
Jennifer, you can call me- Michael Byrne www.fifcorp.com my phone number is 800-999-2489 x7972 and cell 908 5316170, mbyrne@fifcorp.com
0 votes Share Flag Fri Sep 4, 2009 Financing in Philadelphia
Paris MacIvor, Real Estate Pro in Santa Clarita, CA
Paris MacIvor answered:
We are looking to utilize the tax credit advance for a downpayment, does anyone know a reputable mortgage
I am not a lender - but the lenders that I work with do not have any of their banks where they obtain financing from, fronting the money from the tax credit before hand....

Also - I ... more
0 votes Share Flag Wed Sep 2, 2009 Financing in Philadelphia
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
Is there any grants or financing to help stay at home parents of children with special needs buy a home?
check out your local state government. they offer down payment assistance depending on your income. FHA also has grants and special financing for people. You can go to HUD's website: ww ... more
0 votes Share Flag Tue Aug 18, 2009 Financing in Overbrook
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