Financing in 90004 : Questions & Answers

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Jerry Kussy, Real Estate Pro in Park Ridge, IL
Jerry Kussy answered:
I'm interested in the fha, 203k loan program, although I'm having a difficult time finding someone to help
Go to www.hud.gov. That is the government agency that oversees 203k loans. You will be able to search exactly for approved 203k lenders.
0 votes Share Flag Thu Apr 23, 2009 Financing in Los Angeles
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Should I lock the rate now? The new home will be completed in around October time. I am taking an FHA loan
Hi Sam, there's no way to know what direction rates will be heading in October. My bigger concern is what happens if the Builder is not finished with your home in October and your 200-d ... more
0 votes Share Flag Tue Apr 14, 2009 Financing in Los Angeles
Sandra Miller, Real Estate Pro in Santa Monica, CA
Sandra Miller answered:
I would like to know if I have a lien on my property
Diana -

I can look that up for you if you provide your address - email me at sandra.miller@engelvoelkers.com
0 votes Share Flag Thu Apr 9, 2009 Financing in Los Angeles
Crestico Rea…, Real Estate Pro in Los Angeles County, CA
Crestico Realty answered:
What affects the credit card score?
Dear Ramesh,

Regarding financing, I have found that many buyers look to their Realtors for lending and financing advice. I believe that this causes many miscommunications and misund ... more
0 votes Share Flag Tue Dec 13, 2011 Financing in Los Angeles
Lynn911.com…, Real Estate Pro in Dallas, TX
Lynn911.com Dallas Realtor answered:
Credit Checks/Pre-Approval
YEAH a home buyer who gets it!... GREAT COMMENTS ... !

YES there are some banks WHO ARE DEMANDING in order submit your offer your pre-approval letter should be from that lender who ... more
0 votes Share Flag Wed Jul 17, 2013 Financing in 90048
C, Home Buyer in Washington, DC
C answered:
How soon can I refinance? Will my being self employed become a problem in the ref process??
ps. It was a foreclosure that we fixed up, that's why the value is so much higher.
0 votes Share Flag Thu Apr 2, 2009 Financing in Los Angeles
Adrian Hunti…, Real Estate Pro in Marina, San Francisco,...
Adrian Huntington answered:
Mortgage brokers -- how do they make their money?
Mortgage Broker = Wholesale Rates
Bank/Credit Union = Retail

When you go to Wells Fargo, or Countrywide Etc. (Retail you don't have to pay Junk Fees= Loan Processing Fee and Adminis ... more
0 votes Share Flag Thu Apr 2, 2009 Financing in Los Angeles
Tyler Flaher…, Real Estate Pro in Turlock, CA
Tyler Flaherty answered:
Buying a house. I have a credit score of 720. My recently married spouse has no credit card/history.
Ramesh, First and foremost get in touch with a good loan officer. I am sure you will find one easily on this website. A loan officer may say you do not need to wait at all. Judging ... more
0 votes Share Flag Sat Apr 11, 2009 Financing in Los Angeles
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Since 1/1/09 I've seen mention of 3% down FHA. I thought it went to 3 1/2% down after 1/1/09. I'm in CA.
Hi Charles, yes, as of 1/1/09 it is now 3.5%. Best -Steve
0 votes Share Flag Thu Apr 2, 2009 Financing in Los Angeles
Matthew Tetl…, Real Estate Pro in Michigan
Matthew Tetloff answered:
What would happen to a loan in progress if a bank gets nationalized?
As far as your mortgage and terms...nothing should change unless they have different underwriting standards. Call your loan officer tomorrow to see if there are any concerns. Moe than l ... more
0 votes Share Flag Sun Feb 22, 2009 Financing in Los Angeles
Robert Chome…, Real Estate Pro in San Diego, CA
Robert Chomentowski answered:
Will recent loan modifications to interest-only be revised to reduce principle after stimulus bill passes?
I don't think any one knows for sure at this point. If so, if will be on case-by-case basis.
0 votes Share Flag Mon Feb 16, 2009 Financing in 90043
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
Am I being scammed by my mortgage broker?
Sebastian,

We recommend that our customers get preapproved and take considerable time doing so because of the numerous programs, confusing terms, and constant rate changes.

Additi ... more
0 votes Share Flag Sun Feb 8, 2009 Financing in Los Angeles
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
Should I sign quitclaim during refinance as a married spouse?
Julieann, at a minimum, I would suggest that you speak with the Title Rep to determine how to best handle this.

Consider an interspousal transfer grant deed. My understanding of an ... more
0 votes Share Flag Fri May 8, 2009 Financing in Los Angeles
Dominique Re…, Real Estate Pro in 93704
Dominique Ressurreicao answered:
I am seeking a lender who will make bridge loans on packages of single family homes in California - all
I believe I can help you with this. Please send me your contact information or you can also review our website. My contact information is on the website.

Thank You,

Dominique Re ... more
0 votes Share Flag Sun Dec 21, 2008 Financing in Los Angeles
Julia Huntsm…, Real Estate Pro in Long Beach, CA
Julia Huntsman answered:
Are there any loan programs for first time buyer California teachers that are not teaching at a public school?
Hi Courtney, You should try looking for municipal programs and agency programs for first time buyers, and some programs do not have the requirement of being a first time buyer. If you t ... more
0 votes Share Flag Mon Dec 7, 2009 Financing in Los Angeles
David, Real Estate Pro in La Jolla, CA
David answered:
Applying for a mortgage in Februray.....
the bank will ask for at least 90 days of most recent bank statements and paystubs.
0 votes Share Flag Mon Oct 13, 2008 Financing in Los Angeles
Jim Johnson, Real Estate Pro in 78233
Jim Johnson answered:
How does an HOA in litigation impact approval of an FHA loan?
You may find your answer here:

http://www.hud.gov/offices/hsg/sfh/faqs/atl1val.cfm
0 votes Share Flag Wed Jun 22, 2011 Financing in Playa Del Rey
M.D.J, Real Estate Pro in Los Angeles, CA
M.D.J answered:
contract on a loft downtown with HOA delinquincy issues!!
In retrospect the HOA questionnaire which revealed the delinquencies should have been received earlier to avoid being homeless but what is done is done

The only way around it would b ... more
0 votes Share Flag Thu Jan 22, 2009 Financing in 90014
Darren Miller, Real Estate Pro in CA (Licenced in 50 S...
Darren Miller answered:
What about Equity Line?
In CA an agent can be a loan officer and a Realtor... Did the Realtor take out an equity line on there primary residence? Typically the agent does not get this type of information from ... more
0 votes Share Flag Thu Mar 27, 2008 Financing in Los Angeles, CA
Laarni G. Om…, Real Estate Pro in Orange County, CA
Laarni G. Omingo answered:
Lender discovered our property was listed for sale on zillow.com by unknown agent
Hi Ms. Richards,

Legally, Real Estate agents cannot just "list" your property. on zillow or any site. You have to sign a Listing Agreement before you can consider this a listing. ... more
0 votes Share Flag Fri Mar 28, 2008 Financing in Los Angeles, CA
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