Financing in 21279 : Questions & Answers

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June Piper-B…, Real Estate Pro in Columbia, MD
June Piper-Brandon, MRP answered:
My wife isn't working, do we have to include her debts to qualify for a mortgage. Can we apply in my name only? I need help!
You do not have to include your wife on the mortgage or title and therefore you don't have to include the debts in her name. But, if you do that you also can not include her income to ... more
0 votes Share Flag Mon Nov 26, 2012 Financing in Patterson Park
Jessica Hood…, Real Estate Pro in Gambrills, MD
Jessica Hood & Laura Roskelly answered:
Can a log cabin be financed in the State of Maryland?
Wow, I've never heard of such a thing. But in searching the web it appears they do require special financing. I'm attaching a link that I found that may help in your search.
0 votes Share Flag Thu Sep 13, 2012 Financing in Baltimore
Asha Goel, Real Estate Pro in Lutherville, MD
Asha Goel answered:
If I refinance an existing mortgage, do I need to pay the state tax stamp?
Yes, you do. If you don't want to pay out of your pocket then you can finance the amount also. You might go to title company who did your settlement earlier and should get a break with ... more
0 votes Share Flag Sun Sep 22, 2013 Financing in 21231
Robert Mcgee, Real Estate Pro in ,
Robert Mcgee answered:
Why does it take so long for the seller's title to clear on a foreclosure?
The Title Company underwriters (the insurer of the title) have become more demanding because a lot of the bank work in the past was sloppy. For example, in Maryland they want to see evi ... more
0 votes Share Flag Sat Apr 21, 2012 Financing in Baltimore
Jessica Hood…, Real Estate Pro in Gambrills, MD
Jessica Hood & Laura Roskelly answered:
Can I get a VA loan and keep my FHA loan?
Hi Dar,

Need a bit more information. Are you talking about keeping your existing home which has FHA financing and purchasing a new home with your VA loan? If so, the answer is yes ... more
0 votes Share Flag Sun Apr 22, 2012 Financing in Baltimore
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
what is considered "unreasonable commuting distance by FHA standards to obtain 2nd FHA loan?
50 miles is the definition a lot of lenders use, but depending on the situation it can be further or shorter than that.

If you are living in Ladera Ranch currently - you'd proba ... more
0 votes Share Flag Wed Jul 27, 2011 Financing in Baltimore
Lisa Scott, Real Estate Pro in Bowie, MD
Lisa Scott answered:
I would like to find some properties offering seller financing to invest in, in Baltimore.
Hi Ashley,
I have worked with investors for several years, including Baltimore. I'd be happy to assist you. ROI and after repair values will vary widely depending on the neighbor ... more
0 votes Share Flag Mon Mar 7, 2011 Financing in Baltimore
Brent Kluge, Real Estate Pro in Bel Air, MD
Brent Kluge answered:
Anybody know who's doing land loans these days and the terms?
Richard, I would go for the local community banks. There are many that still have lot loans and beneficial terms as well. Start with the community banks in the area you are looking. ... more
0 votes Share Flag Mon Feb 28, 2011 Financing in Baltimore
June Piper-B…, Real Estate Pro in Columbia, MD
June Piper-Brandon, MRP answered:
Any recommendations for a conventional lender that does rehab loans with up to 20% down and good LTV for a Baltimore city 2 unit investment property?
Give Rachel Schaeffer a call 240-643-3989, I may have some other resources as well. You can email me directly at
0 votes Share Flag Mon Jun 14, 2010 Financing in Baltimore
Anne Coscia &…, Other/Just Looking in Baltimore County, MD
Anne Coscia & Lora Graetzer answered:
FHA commuting exception for a second FHA financed loan?

First off, congratulations on the new job! Sorry it's causing concerns in other areas.

Have you talked to a loan officer yet and gotten pre-qualified to be able to h ... more
0 votes Share Flag Tue Sep 21, 2010 Financing in Baltimore
Bob Lowery,  in Baltimore County, MD
Bob Lowery answered:
Is there any sort of rehab loan or financing available that can be used with a VA loan?
No, VA does not offer a rehab loan. Your only choices would be the FHA 203k or a USDA Rehab loan. USDA does have a rehab loans, but I don't believe they lend that much for the re ... more
0 votes Share Flag Mon Jan 12, 2015 Financing in Baltimore
Dan McDevitt, Real Estate Pro in Lutherville, MD
Dan McDevitt answered:
Have debt and want to buy a new house. Am about to receive a small chunk of money to use either toward down payment or for some of the credit cards.?
Best thing to do is speak with a qualified Mortgage Consultant. I have 2 that I highly recommend. Please e mail me at or Call or text at 410.499.5714 and I wil ... more
0 votes Share Flag Tue Oct 20, 2009 Financing in Baltimore
Chad Boyers, Real Estate Pro in Toledo, OH
Chad Boyers answered:
husband name is currently on the deed and we want to sell the house and get something larger. His salary is
There are probably too many details that are needed to give you an exact answer to your question, but I will try to answer the best that I can. Your current house doesn't really matter ... more
0 votes Share Flag Tue Jun 23, 2009 Financing in 21239
Marilyn Emery, Real Estate Pro in Chevy Chase, MD
Marilyn Emery answered:
I have 3 houses , my primary house of ten yrs valued at 500k and i owe 150k at 6% with a 150k owed on a
There are some banks who are doing investor loans again. They will take rental income as part of your income for borrowing against your investment properties. If you would like a refe ... more
0 votes Share Flag Wed May 27, 2009 Financing in Baltimore
Luke Allison,  in Asheville, NC
Luke Allison answered:
I would like to refinance my home in order to renovate my kitchen into a great room. I have a credit score
I don't want to sound skeptical but I honestly do not know of any mortgage insurance companies (other than FHA) that will insure cash out above 80% LTV. If a lender is offering you 90% ... more
0 votes Share Flag Fri May 22, 2009 Financing in Baltimore
Scott Stulich, Real Estate Pro in Dundalk, MD
Scott Stulich answered:
I have relocated to the Baltimore area from out of state. I would like to find a GOOD, knowledgeable, and
Pam Hi, please feel free to contact me and I can get you linked with a loan institution that will best suit your needs. 443-992-3608
0 votes Share Flag Thu Apr 29, 2010 Financing in 21209
Jon Tucker, Real Estate Pro in Columbia, MD
Jon Tucker answered:
im looking for realestate agents in the baltimore md area who are invester friendly and creative in financing
Hi Brandon, I am Jon Tucker with RE/MAX 100. I work with a variety of investors on the residential and commercial side. I can work with you diligently to find the best deals. I hav ... more
0 votes Share Flag Mon Jun 14, 2010 Financing in Baltimore
Maria Morton, Real Estate Pro in Kansas City, MO
Maria Morton answered:
I'm looking for infomation on forgivable loans or grants for home rehabilitation in MD.
Please get with a local realtor to find out more specific information.
The federal gov't., state, and local city & county will have some programs you may qualify for.
HUD may also ha ... more
0 votes Share Flag Sun Sep 28, 2008 Financing in Baltimore, MD
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
if a property has monthly rent to pay for the monthly note , will lenders lend me money to buy it?
Not on that basis alone. Lenders will lend money either on (1) your ability to pay (based largely on your income and credit), or (2) equity in the property. You'd be looking at the firs ... more
0 votes Share Flag Fri Apr 11, 2008 Financing in 21218
Bill Wootan's…,  in Waldorf, MD
Bill Wootan's Team One answered:
how to owner finance in Armistead Gardens?
I am not familiar with the area you are in, but we have a similar area in Indian Head Maryland, and the association has several banks that finance the units - I think there must be fund ... more
0 votes Share Flag Sat Oct 20, 2007 Financing in Armistead Gardens, Baltimore, MD
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