Financing in Bakersfield : Questions & Answers

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Jan Detomaso, Real Estate Pro in Bakersfield, CA
Jan Detomaso answered:
We're going to buy soon and was wondering what type of loan to get...
Hi Gayle, You really need to talk to either a loan officer at your bank or a mortgage broker. There are a lot of different things that impact what type of loan is the best for you. ... more
0 votes Share Flag Mon Jun 17, 2013 Financing in The Seasons
Walter 'Skip'…, Real Estate Pro in 92870
Walter 'Skip' Kersten answered:
I have a question. We rented our home out and it's leased for 5 years min. We purchased our permanent home in Coarsegold, CA June 2010; escrow
Hi Diane,
It is best to ask a tax professional these questions.
Good luck,
0 votes Share Flag Mon Jun 17, 2013 Financing in Stockdale Estates
Brenda Feria, Real Estate Pro in 23233
Brenda Feria answered:
Loan terms? 30 fixed or arm 5/7 arm? I REALLY PLAN ON LEAVING BAKO WITHIN 5 YEARS.
If you will be moving within 5years, why would you want to pay for a 30 year loan if you are sure that you won't need it? The rate is higher for a 30 year loan for a reason.
0 votes Share Flag Thu Aug 15, 2013 Financing in Artisan
Alicia, Home Buyer in Bakersfield, CA
Alicia answered:
I got pre approved so I could start looking at houses.But now i want to shop for the best rates.
by the way we got qualified for $200,00 and i beleive credit scores 640ish???
0 votes Share Flag Mon Sep 12, 2011 Financing in Bakersfield
Tesa Noonan, Real Estate Pro in Kern County, CA
Tesa Noonan answered:
Recommendations for mobile lenders in Kern County, CA
Try Robert Kurugian at Academy Mortgage, I think they recently brought back some manufactured home loan packages. I'm not sure about the non owner occupied part, but can't hur ... more
0 votes Share Flag Tue Dec 10, 2013 Financing in Bakersfield
Scott Miller…, Real Estate Pro in 33432
Scott Miller - REALTOR® answered:
Need a short refi lender fast
Hi Kelskey. The best way to use Trulia is to click above on Find a Pro, fill in your city and toggle down to Mortgage Brokers. You'll get a list like this one:

http://www.trul ... more
0 votes Share Flag Wed Oct 13, 2010 Financing in Bakersfield
Keane Ng, Real Estate Pro in Seattle, WA
Keane Ng answered:
Need a Lender for an FHA short pay refinance. Current lenders agreed to a short pay of fair current market value and give me 30 days to provide proof
Kelskey,

FHA short payoffs only go up to 97.75% of the appraised value. Being that your mortgage is on time, you can qualify but the closing costs and cash difference between your a ... more
0 votes Share Flag Mon Aug 16, 2010 Financing in Bakersfield
Michael Genn…, Real Estate Pro in Media, PA
Michael Gennett answered:
We are in need of a Short Refi ASAP. We are also in desparate need to qualify and get a certification of such by Friday April 16, 2010.
Hi Kelli!
kelskeys@yahoo.com

Contact anthony Casey at Bank of America. He's been doing this for 15 years and really, really knows his stuff!

Anthony Casey, Banks of America
... more
0 votes Share Flag Thu Apr 15, 2010 Financing in Bakersfield
Richard Mals…, Real Estate Pro in Fresno, CA
Richard Malsed answered:
Are there deals being accepted where the seller is asking the buyer for the 3% down?
That would be new to me. Asking for 3% of closing cost is pretty standard in my neck of the woods, but I've never had anyone ask for the down payment too.
0 votes Share Flag Sat Mar 6, 2010 Financing in Bakersfield
Jacob Varghe…, Real Estate Pro in San Jose, CA
Jacob Varghese answered:
bad credit
Hi Matt10,

How bad is the Million Dollar question?

Do you know your FICO score?

Get a pre-approval and shop in confidence.

Please feel free to contact me with any questions ... more
0 votes Share Flag Sun Oct 10, 2010 Financing in Bakersfield
Leasing To O…, Real Estate Pro in Dallas, TX
Leasing To Own Solutions answered:
How do I transfer my property to my daughter without making it a "sale" to avoid title tax, etc? Can I refinance into my daughters name?
Hey there Stamford....

You may want to contact an Attorney that is familiar with Land Trusts. Depending on what your reasoning is for doing so...this may be a good way to go.

Bil ... more
0 votes Share Flag Sat Sep 19, 2009 Financing in 93312
Darrell Muha…, Real Estate Pro in Bakersfield, CA
Darrell Muhammad answered:
Does anyone know a good LO specializing in 203k loans in Bakersfield.?
Hi Esmeralda,

My business partner can help you with Wells Fargo. Her name is Christa Martinez 661-444-6422. Just tell her that Darrell Muhammad referred you.

Thanks!
Darrell Muh ... more
0 votes Share Flag Thu Mar 1, 2012 Financing in 93309
Adrian Hunti…, Real Estate Pro in 94105
Adrian Huntington answered:
What is a 203k loan for ?
Esmeralda,

Here is the long answer.

5) What eligible home improvements are acceptable under the $5,000 minimum requirement?

a) Structural alterations and reconstruction (e.g. ... more
0 votes Share Flag Sun Jun 14, 2009 Financing in Bakersfield
Marc C. Yu, Real Estate Pro in San Francisco, CA
Marc C. Yu answered:
Hi, I'm planning to buy a home and I plan to go for my pre-approval in a couple of weeks. I would like to
Have you been claiming the child support on your taxes? The reason I'm asking is that your income is primarily based on your taxes and current pay stub. Other documentation needed are ... more
0 votes Share Flag Sat Oct 3, 2009 Financing in 93314
Don Tepper, Real Estate Pro in Fairfax, VA
Don Tepper answered:
We found a house to buy,we have $15k-cash, low credit rate, want to lease to buy or other optiions-HELP!
A lease-option, lease-purchase, or seller financing could work for you. So could using an Illinois-style land trust.

First thing, though: Do you know (or do you have reason to believ ... more
0 votes Share Flag Sun May 4, 2008 Financing in Silver Creek, Bakersfield, CA
Patrick Ryan, Home Owner in Morro Bay, CA
Patrick Ryan answered:
can i refinance a property in someone else's name?
no, as your name needs to be on the title and the note / deed of trust
0 votes Share Flag Tue Apr 8, 2008 Financing in 93312
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