Financing in 33647 : Questions & Answers

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Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
Construction to Permanent loan with 10% down.
20% is the norm, I have not heard of 10% programs.
0 votes Share Flag Mon Apr 8, 2013 Financing in Tampa
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 Tue May 20, 2014 Financing in Tampa
Liane Jamason, Real Estate Pro in Saint Petersburg, FL
Liane Jamason answered:
I have a short sale on my credit report from a year ago but my credit is 650 I am looking to purchase but I have heard I have to wait until 2 years?
Most of the major lenders will require you to wait a minimum of 2 years. I've attached a link to a chart below that shows you more on which will let you buy and which will not after a ... more
0 votes Share Flag Tue Mar 26, 2013 Financing in 33646
Kevin Reeves, Real Estate Pro in Tampa, FL
Kevin Reeves answered:
I bought a property in November cash and eventually want to do a cash out refi how long should I wait to do so and will it be market value?
Hello,

For a conventional refinance you will have to wait till you have owned the property for 6 months. At that time you can get a cash out loan for up to 75% of the market value o ... more
0 votes Share Flag Tue Mar 26, 2013 Financing in 33647
Maria Echeve…, Real Estate Pro in Tampa, FL
Maria Echeverry, answered:
Getting mortgage when in different state and question on properties
Hello Josh, I will be more than happy to assist you on your relocation.
email mecheverry@prutropical.com and 813-716-7352
0 votes Share Flag Wed Apr 3, 2013 Financing in Tampa
Fred Glick, Real Estate Pro in Los Angeles County, CA
Fred Glick answered:
Adjusted Gross Income vs Gross Income Mortgage calculations. How to avoid AGI calculations in mortgage approval since I have many business deductions?
There is only one way that income is calculated in order to qualify for a mortgage and it is based on net income plus depreciation averaged over 2 years.

You should have a mortgage p ... more
0 votes Share Flag Sun Jun 9, 2013 Financing in Tampa
Annette Lawr…, Real Estate Pro in Palm Harbor, FL
Annette Lawrence 727.420.4041 answered:
How can I compel a mortgage person to pay a per diem if he agreed?
Do you have the agreement in writing?
Now, you can pay an attorney to get the agreement enforced or your attorney can show you the escape clause.
0 votes Share Flag Sat Jan 5, 2013 Financing in Tampa
Erek Kirsten, Real Estate Pro in Tampa, FL
Erek Kirsten answered:
I just started a real estate investment company but I don't want to take out a loan from the bank does anyone know any investors in the Tampa
We invest in the greater Tampa MSA, would be happy to discuss your needs.
0 votes Share Flag Wed Nov 28, 2012 Financing in Tampa
Joshua A. Le…, Real Estate Pro in Saint Petersburg, FL
Joshua A. Lerette answered:
ITIN financing in Tampa or Fla (no hard money)
Hello Franck,

That is a great question. We have a program that might be exactly what you are looking for. There are other requirements though so feel free to e-mail me and I'll let y ... more
0 votes Share Flag Thu Oct 25, 2012 Financing in Tampa
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
How long do you have to wait before you can qualify to buy a home after Chapter 7 bankruptcy?
Contact GTE Financial (Credit Union) or other credit unions as they have granted a mortgage much sooner on a bankruptcy and even a short sale than your typical lender that must have you ... more
0 votes Share Flag Wed Oct 17, 2012 Financing in Tampa
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
what are the current 30yr, 15yr, and 10yr intrest rates home path is offering?
You may find that with 5% down versus the minimum 3% down you will get a significantly better rate.

To find out immediatelify you can qualify and get the rates and closing costs go t ... more
0 votes Share Flag Tue Oct 9, 2012 Financing in 33617
Pawelkop Team, Real Estate Pro in Hillsborough County,...
Pawelkop Team answered:
What are the best banks in the area for Construction or Construction Perm loans for a primary residence in the tampa area?
Hi Mike,
We work with Shawn Eckley at BB&T. He has done all of the construction perm loans for Taralon Homes. His contact number is 813-293-8093. Since you are in the market for ... more
0 votes Share Flag Thu Jan 23, 2014 Financing in Tampa
Benjmain Sua…, Real Estate Pro in Tampa, FL
Benjmain Suarez answered:
I want to know which lending instritutions in Tampa Bay area dores USDA and FHA morntages?
Hi Patricia,

Contact Bj Mckitty,

His company does USDA & FHA and thry are awsome.

BJ Mckitty
(C)813-503-0303
(F)888-654-0447

(F)813-425-6918


www.bjmckitty.com
bjmcki ... more
0 votes Share Flag Mon Jun 3, 2013 Financing in Tampa
Lars Kier, Real Estate Pro in Tampa, FL
Lars Kier answered:
Am I eligible for Short Refi?
I need more information, please call me
813-781-0291
0 votes Share Flag Tue Jul 3, 2012 Financing in 33609
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
bad credit,can you help with cash down
You should meet with a local and trusted loan offcier who can prequailify you at no cost, they can let you know what you will need down to get a mortgage given your credit and total fin ... more
0 votes Share Flag Sat Jul 14, 2012 Financing in Tampa Heights
Danielle Sha…, Real Estate Pro in Cape Coral, FL
Danielle Sharp answered:
Can I get a mortgage after a short sale?
Typically it's a 3 year wait period after a short sale for a purchase. Since the townhome is a second/investment property they may consider you too high risk right now, especially sinc ... more
0 votes Share Flag Fri Apr 11, 2014 Financing in Tampa
Alma Rose Kee…, Real Estate Pro in Tampa, FL
Alma Rose Kee, P.A. answered:
I am looking for someone who can write a loan on a $65000 condo in Tampa. Buyer has great finances and 20% down-payment. His lender will not write the
Hi Andrew,

Try GTEFCU.org and other credit unions.. They do some loans that do not have to "fit" the Fannie/Freddie criteria.

Also try:

John Sorenson
Mortgage Loan ... more
0 votes Share Flag Wed Dec 18, 2013 Financing in Tampa
Benjmain Sua…, Real Estate Pro in Tampa, FL
Benjmain Suarez answered:
I am self employed with good credit, verifiable assets, and I need a mortgage. Can anyone help me?
Hi Marilin,

I could recommend one of my best Loan Officers, Call Diana Tardif they have many programs for self employed. Tell her I sent you.She will take good care of you. Let me kn ... more
0 votes Share Flag Thu May 3, 2012 Financing in Tampa
Billrobertson, Home Owner in California
Billrobertson answered:
Anyone have any experience with obtaining a loan modification? What was the outcome? Did you use an attorney?
I have been trying for a modification loan for 16 months. I am way past frustrated. To answer your question, after being drug through the most inept process of trying to acquire a Makin ... more
0 votes Share Flag Mon Jun 25, 2012 Financing in Tampa
Deborah Garv…, Real Estate Pro in San Diego County, CA
Deborah Garvin answered:
Mortgage: I have an existing 30-yr mortgage / 6.0% in good standings throughout. I am Canadian w. Florida home. Need to lower mort rate. How?
Dean, Contact a licensed mortgage professional in Florida (or at least someone who knows Florida financing laws....I do; however, am not licensed in Florida). Refinancing is pretty st ... more
0 votes Share Flag Mon Mar 25, 2013 Financing in 33647
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