Financing in 90068 : Questions & Answers

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Mike Sullivan, Real Estate Pro in Alachua, FL
Mike Sullivan answered:
I am doing a cash deal on a probate and need an extra $35k to close escrow within the next 30 days. I was just denied a personal loan. Ideas?
Sounds like you may be in the market for some private lenders....higher % and fees, but might get you through closing
0 votes Share Flag Thu Sep 20, 2012 Financing in 90016
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
I was self employed, but am now W2 for this year. Although my first W2 won't come until end of 2011. i have paychecks, etc. Can I do FHA?
Since it's in the same type of work, and if you can prove a total of a 2-year employment history (self-employment included), and if you've been a W-2'd employee for 6 mon ... more
0 votes Share Flag Tue Aug 23, 2011 Financing in Los Angeles
Allan Erps, Real Estate Pro in Nanuet, NY
Allan Erps answered:
Is anyone familiar with Fannie Mae's Homestyle loan program?
Think you may mean HomePath Program
0 votes Share Flag Tue Sep 9, 2014 Financing in Los Angeles
Sandra (Voss)…, Real Estate Pro in 34242
Sandra (Voss) La Flamme answered:
having bad credit affect mortgage loan
Patty,

Market reports say that Consumers are pessimistic about the labor market outlook for the next six months. Those expecting more jobs in the months ahead declined to 15.9 perce ... more
0 votes Share Flag Thu Jun 2, 2011 Financing in Los Angeles
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
In California, what loan-to-value is required to buy a triplex owner occupied fha?
You need 3.5% down payment which is 96.5% LTV.
Please contact me for assistance.
0 votes Share Flag Wed Jun 8, 2011 Financing in Los Angeles
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
Lender breaking rate lock due to low appraisal. Can I get them to honor it?
Lenders don't instruct appraisers on value. The home valuation code of conduct (HVCC) is a law that went into effect to prevent exactly such a thing. If your appraisal comes in low ... more
0 votes Share Flag Tue Mar 12, 2013 Financing in 90019
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore answered:
Here is refinance strategy from my broker. What are my chances?
Check with others, but the 2nd can start foreclosure proceedings too if they are not being paid forcing the whole house of cards in.
0 votes Share Flag Thu Aug 15, 2013 Financing in 90034
Deborah  Lon…, Real Estate Pro in Torrance, CA
Deborah London answered:
Does filing for personal bankruptcy wipe out a 2nd mortgage loan?
No it does not. Nor does it remove your first TD. If you are living in your property now, you might get to keep it after a bankruptcy, if you can make the payments.
0 votes Share Flag Sat Sep 21, 2013 Financing in Los Angeles
Mike Konkoly, Real Estate Pro in Downers Grove, IL
Mike Konkoly answered:
Does anyone know how to find a list of all the lofts that are in & around the downtown Los Angeles area?
The best way is to hook up with your local realtor and tell them exactly what you are looking for and they can help you locate your perfect loft. They can even help you with a for sale ... more
0 votes Share Flag Sat May 21, 2011 Financing in Los Angeles
Matt Pickett,…, Real Estate Pro in Colorado Springs, CO
Matt Pickett, REALTOR® answered:
Does anyone know of any HOA companies in California that are currently dealing with litigation like SB 800 litigation?
Im sorry I can say I do know any. Best of luck on that
0 votes Share Flag Thu Apr 14, 2011 Financing in Los Angeles
Sharon E. Sm…, Real Estate Pro in Atlanta, GA
Sharon E. Smoot answered:
Has anyone personally/directly (or had confirmation that someone they knew) had a bank call a note/mortgage due if title is transferred w/pymts?
Most mortgage loans have a due on sale clause which requires that the loan be paid in full when title is transferred from the owner/borrower to a third party. In my 15+ years as a real ... more
0 votes Share Flag Thu Apr 14, 2011 Financing in 90028
Kobi Costa, Real Estate Pro in Woodland Hills, CA
Kobi Costa answered:
QUESTION...\I keep getting conflicting answers, in California what is the requirements becoming a loan broker? loan BROKER
Visit http://www.dre.ca.gov/ for the most accurate info.
0 votes Share Flag Sun Apr 3, 2011 Financing in Los Angeles
LUXURY HOME…, Real Estate Pro in El Segundo, CA
LUXURY HOME LOANS CA answered:
Do lenders care about owner occupancy for commercial loans?
Jim actually this may hurt you. The income property would have one less tenant. The loan is based on cash-flow. I have some information on my website under Commercial Lending that you m ... more
0 votes Share Flag Wed Apr 6, 2011 Financing in Los Angeles
Deborah Brem…, Real Estate Pro in 90049
Deborah Bremner answered:
Can BOA (fannie mae loan) with original 90% conventional LTV (@ mar 2010) with out PMI be refi now with out PMI?. Rate is 5.375 with hidden rateof4.87
You need to discuss your individual situation with a mortgage broker to look at all of the options, not the least of which will be the possibility of a high enough appraisal based on a ... more
0 votes Share Flag Sat Apr 16, 2011 Financing in Los Angeles
Frank Sandov…, Real Estate Pro in San Francisco, CA
Frank Sandoval answered:
Will a student loan in my mother's name end up impacting my mortgage application?
Only debts which you are legally obligated to pay will be listed as your liabilities. If you are not a signer/borrower on the student loan then it will not count against when your appl ... more
0 votes Share Flag Tue Mar 15, 2011 Financing in Los Angeles
David Zucker…, Real Estate Pro in Frederick, MD
David Zuckerman answered:
Looking to buy a home, I was out on disability for 2 years off and on, can I still buy?
If you currently have a salaried position you should be able to use that income. Please feel free to call me at (86) 552-5912 if you have any questions.
0 votes Share Flag Mon Feb 28, 2011 Financing in Los Angeles
Richard Schu…, Real Estate Pro in Los Angeles, CA
Richard Schulman answered:
I never removed my 17 day loan contingency in writing on a standard california contract, can i get my deposit back if I do not qualify for financing?
Probably, but you need to discuss with an attorney and your agent's broker.



Richard
0 votes Share Flag Wed Feb 23, 2011 Financing in Los Angeles
Jacob Varghe…, Real Estate Pro in San Jose, CA
Jacob Varghese answered:
Based on Fannie Mae guidelines, loan is private at this moment wants a conventional loan, NOO home cash out, seasoned 12 months making payments.
Hi Scottsal23,

NOO home cash out is possible. What is the FICO score? Please give more details.

Thanks
Jacob
NMLS 327086
0 votes Share Flag Thu Feb 10, 2011 Financing in Los Angeles
Ryan Ole Hass, Real Estate Pro in Beverly Hills, CA
Ryan Ole Hass answered:
How loose are FHA debt to credit ratio requirements? I have a high credit score and want to obtain a loan that is close to my monthly rent payment...
Have you spoken with a lender? Eventhough my knowledge base with FHA & loans is high, it is best ot get those answers from a lender who is experienced with FHA loans. I have someon ... more
0 votes Share Flag Wed Jan 26, 2011 Financing in Los Angeles
Tni LeBlanc,…, Real Estate Pro in Santa Maria, CA
Tni LeBlanc, JD, MA, Broker answered:
i need to find a Short Refinance expert / broker. Is there anyone who can help me? Does Short Refinance even work?
I do believe that these programs are offered directly from your own lender as it is essentially a restructuring of you own loan with principal reduction.

There are some programs th ... more
0 votes Share Flag Wed Dec 11, 2013 Financing in 90034
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