Financing in 89121 : Questions & Answers

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Denny Hebibo…, Real Estate Pro in Las Vegas, NV
Denny Hebibovich answered:
I need a Las Vegas VA lender that will finance me 24 months after my Ch7 BK discharge even though we included a house in the discharge.
Hi talon.shelley, just responded to you a minnute ago... feel free to contact me directly below.

DENNY HEBIBOVICH - REALTOR
REALTY ONE GROUP, INC.
CELL: 702-241-6110
EMAIL: Denn ... more
0 votes Share Flag Wed Apr 17, 2013 Financing in Las Vegas
Randy Bridges, Real Estate Pro in Las Vegas, NV
Randy Bridges answered:
What is the difference between Real Estate tax and regular tax on a house?
Hi New Casa. No difference, just another name for tax. You do have regular tax on a quarterly basis paid by the mortgage company or the owner and the Transfer Tax or some call it a sale ... more
0 votes Share Flag Thu Apr 11, 2013 Financing in Las Vegas
Rena (Rina)…, Real Estate Pro in Las Vegas, NV
Rena (Rina) Levy answered:
Are lenders still waiting until borrowers are well behind on their payments before offering to modify the loan?
In January, Fannie Mae and Freddie Mac refinanced about 97,600 loans through the Home Affordable Refinance Program (HARP), of which nearly half represented underwater borrowers, the Fed ... more
0 votes Share Flag Thu Apr 11, 2013 Financing in Winchester
cbvegax, Home Owner in Indianapolis, IN
cbvegax answered:
Sticky situation.
I would like to add that we have been in contact with the VA and our latest response is the following:" You can assume the loan and release her from liability without using any
entitle ... more
0 votes Share Flag Mon Apr 8, 2013 Financing in Las Vegas
Myra Gouger, Real Estate Pro in 89135
Myra Gouger answered:
I am a Singapore Citizen who is looking to buy a property in Summerlin Las Vegas. I want to know what kind of financing is available for me ?
There are only a few programs for foreign nationals. I think mostly, though, that as hard as it is to get these programs that you would be better off paying cash for the property, if yo ... more
0 votes Share Flag Mon Feb 10, 2014 Financing in 89123
Eugene Prosp…, Real Estate Pro in Las Vegas, NV
Eugene Prospero answered:
How can I find all the details about my credit history for free>?
Kate:

I am a Lender from Las Vegas, NV...

The free credit report usually is not that detailed. If you want a detailed report, have it pulled by a mortgage guy that pulls the repor ... more
0 votes Share Flag Thu Mar 28, 2013 Financing in Las Vegas
Mike Kruse, Real Estate Pro in Las Vegas, NV
Mike Kruse answered:
I've heard about special mortgages for 1st time home buyers, where can I get information about this?
There are great programs and down payment assistance programs available. I am a licensed Realtor and authorized by Neighborhood Housing Services of Southern Nevada to discuss there down ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Las Vegas
David Rubing…, Real Estate Pro in Las Vegas, NV
David Rubinger answered:
What is an EEM?
That would be an "Energy Efficient Mortgage" that would give you credit for an energy efficient home. I am not a lender so for more details contact a lender of your choice or I can refe ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Las Vegas
Robert Adams…, Real Estate Pro in Las Vegas, NV
Robert Adams Broker NV, RI, MA answered:
looking for a no doc loan. own a house outright, market value 110k. looking for 40k 4-6 year term.
No doc loans are a thing of the past from what I have heard.

Are you interested in selling at all?
0 votes Share Flag Mon Mar 18, 2013 Financing in Las Vegas
Suzie Marqua…, Real Estate Pro in Las Vegas, NV
Suzie Marquardt answered:
Trying to find a NOO loan for a 100K property in Vegas.
I have a great lender that can run the numbers. I don't know If she can do the loan but she is good. I have been using Dorothy for many years. I can't put her,contact information in thi ... more
0 votes Share Flag Thu Feb 21, 2013 Financing in Las Vegas
Wayne Christ…, Real Estate Pro in Rockville, MD
Wayne Christopher answered:
fha streamline refinance no closing costs
FIRST HOME MORTGAGE
508.473.9500
401.487.3506
www.gofirsthome.com/keith_russell
Contact: Keith Russell
krussell@gofirsthome.com
0 votes Share Flag Sun Jun 16, 2013 Financing in Las Vegas
Lizette Truj…, Real Estate Pro in Las Vegas, NV
Lizette Trujillo answered:
Loan programs after short sale with substantial down...
Hi,
If you had a short sale with lates in your mortgage you will need to wait 2 years to buy with a conventional loan with 20% down. If you only want to put 3.5% and use an FHA loan yo ... more
0 votes Share Flag Tue Aug 13, 2013 Financing in Las Vegas
Mike Hoffman, Real Estate Pro in Las Vegas, NV
Mike Hoffman answered:
What is refinancing a mortage?
Refinancing involves purchasing a new mortgage to replace an existing one. Traditionally it is done to take advantage of lower interest rates or to take equity out of a property. Curren ... more
0 votes Share Flag Tue Feb 12, 2013 Financing in Las Vegas
Myra Gouger, Real Estate Pro in 89135
Myra Gouger answered:
What recourse does one have against a bank that takes too long to close the refinance deal they approved?
There is no recourse. Unfortunately, the bank can take as long as they feel like. When you owe the bank money, they want it right away. They will destroy your life with nasty phone call ... more
0 votes Share Flag Thu Feb 14, 2013 Financing in Las Vegas
Rena (Rina)…, Real Estate Pro in Las Vegas, NV
Rena (Rina) Levy answered:
Can a party who has a short-sale in the past 14months get a HELOC, on a primary residence they own outright? If so what % of equity can they borrow?
To be able to qualify for a new loan, you will have to wait two years from the time of the short sale on your property. Three years for for foreclosure for owner occupied loans. If th ... more
0 votes Share Flag Mon Feb 11, 2013 Financing in Las Vegas
Robert Adams…, Real Estate Pro in Las Vegas, NV
Robert Adams Broker NV, RI, MA answered:
To what extent is mortgage qualification dependent upon income?
I am sure there are some local L.O. experts that can help advise on this.

Best Regards,
Robert Adams
Broker/Salesman
The Adams Team at
Rothwell Gornt Companies
C:702-349-9175
... more
0 votes Share Flag Tue Feb 12, 2013 Financing in Sunrise Manor
Rob Flitton, Real Estate Pro in Las Vegas, NV
Rob Flitton answered:
Work in one state but want to buy in another?
Absolutely. You can begin a high-quality search here ---> http://robflitton.com/search-the-mls/ ...... and if you need financing, begin here ---> http://robflitton.com/for-buyers/get- ... more
0 votes Share Flag Thu Feb 7, 2013 Financing in Las Vegas
Mike Kruse, Real Estate Pro in Las Vegas, NV
Mike Kruse answered:
I have a middle credit score of 636 , out of 9 negatives on my credit only 3 things left .. One is a car repo 5 years ago, a judgement that is paid .
Hi,
I am a Realtor not a loan officer but with that said, many mortgage companies have options available with unique situations similar to yours. Email me at mike@lasvegashomesbymike. ... more
0 votes Share Flag Tue Feb 5, 2013 Financing in Las Vegas
Steve Mikrut, Real Estate Pro in Henderson, NV
Steve Mikrut answered:
What is an 80/20 mortgage and is it a good idea?
It means a 1st mortgage for 80% of the purchase price AND a 2nd mortgage right behind it, at a higher rate, for the remaining 20%. Essentially 100% financing.

The days of old :)
0 votes Share Flag Mon Jan 21, 2013 Financing in Las Vegas
Robert Adams…, Real Estate Pro in Las Vegas, NV
Robert Adams Broker NV, RI, MA answered:
Need a Commercial Mortgage Lender in Las Vegas?
Shoot me an email and I will reply with the contact info for 2 lenders we work with.

Fyi a duplex or 4plex will be a residential loan. Over 4 units is considered a commercial loan u ... more
0 votes Share Flag Thu Jan 17, 2013 Financing in Las Vegas
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