Financing in California : Questions & Answers

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Lori Hanson, Real Estate Pro in 92656
Lori Hanson answered:
How much do you have to put down on a mobile home in Orange, California?
contact a lender for mobile homes to see what you can qualify for.
good luck
0 votes Share Flag Fri Apr 26, 2013 Financing in Orange County
Lori Hanson, Real Estate Pro in 92656
Lori Hanson answered:
How long should short refinance stay on your credit report?
I have heard less like five years. It would be best to talk to a lender and just see what the say sbout being sble to purchade again and when.
0 votes Share Flag Wed May 29, 2013 Financing in Orange
Thierry Abel, Real Estate Pro in California
Thierry Abel answered:
Can you recommend a broker in Marin County who is familiar with Wells Fargo's down payment assistance programs for a first time buyers?
I am in Marin County...In Larkspur... I am not sure that the Wells Fargo Down Payment Assistance program is available here in Marin County. But there are some other programs that can en ... more
0 votes Share Flag Sat Apr 5, 2014 Financing in Larkspur
Patrick Sell, Home Buyer in Murrieta, CA
Patrick Sell answered:
when can I get a home loan after a chapter 7?
FHA and VA loans only require 2 years from date of chapter 7 discharge. USDA loans require 3 years, and Conventional loans (owner-occupied) require 4 years. Investment property loans ... more
0 votes Share Flag Mon Apr 14, 2014 Financing in Menifee
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
I read your other post about being declined. You need a second opinion on your FHA loan as I believe it can be closed. Contact me if you would like me to take a look for you.
0 votes Share Flag Sun May 5, 2013 Financing in Los Angeles
Ron Escobar,…, Real Estate Pro in 90019
Ron Escobar, Broker answered:
Try a mortgage banker.. they have access to lots of products... the one I recommend is usually a FHA DTI goes as high as 47% ... your fico is a little too low bu ... more
0 votes Share Flag Mon Jul 1, 2013 Financing in Los Angeles
Grace Tam, Real Estate Pro in Dublin, CA
Grace Tam answered:
do you look at uniform commercial codes on credit report.?
The UCC deals primarily with transactions involving personal property (movable property), not real property (immovable property). are you looking for home loan or can you be more specif ... more
0 votes Share Flag Thu May 9, 2013 Financing in 94582
Steve Heard, Real Estate Pro in Folsom, CA
Steve Heard answered:
90% LTV Construction Financing?
Construction financing is still very risky, and most banks want no part of it. There are a few out there, usually smaller regional banks, but some nationals as well. 90%? I'm guessing ... more
0 votes Share Flag Fri Nov 1, 2013 Financing in Folsom
Kylee Roe, Real Estate Pro in Sacramento, CA
Kylee Roe answered:
I have really bad credit but a good rental payment history.
Your ability to obtain a loan will require good credit-score of 640 or so, and low enough debt to income ratio (showing your willingness and ability to repay the lender). Good rental pa ... more
0 votes Share Flag Tue Apr 16, 2013 Financing in Sacramento
Thierry Abel, Real Estate Pro in California
Thierry Abel answered:
How do you buy a tax lien certificate?
Doesn't the county auction them (I will contact the county assessor's office)
0 votes Share Flag Mon Apr 8, 2013 Financing in Union Square
Thom Colby 8…, Real Estate Pro in Newport Beach, CA
Thom Colby 888-391-5245 answered:
What is an interspousal deed?
Simple answers - YES and YES
0 votes Share Flag Wed Apr 10, 2013 Financing in 92651
Julie A. Hor…, Real Estate Pro in 92602
Julie A. Horvath answered:
If a home buyer has a less-than-perfect credit score, how hard will it be for them to get a mortgage these days?
Hi Seanf,
How less than perfect is the score? I am able to offering financing to borrower's down to a 620 credit score through either FHA, VA (if you are eligible) and Fannie Mae. I ... more
0 votes Share Flag Thu Mar 20, 2014 Financing in Russian Hill
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
Less than 20% down payment?
Yes, there are programs with as low as 3% down depending on the house, your credit, etc. It's best to talk with trusted lender.

I can recommend one for you.
... more
0 votes Share Flag Wed Jan 15, 2014 Financing in 94043
Steve Ornell…, Real Estate Pro in Fremont, CA
Steve Ornellas answered:
"no fees, no points" - does that mean I'll have no out of pocket costs for the refinance, or are there other costs that are not included?
Hi Norm,

You assumption is correct. Here are a few links you might find interesting:

"Retail Banks vs. Mortgage Broker/Bankers"
Personally, I only wo ... more
0 votes Share Flag Tue Nov 26, 2013 Financing in 94536
Inna Ivchenko, Real Estate Pro in Encino, CA
Inna Ivchenko asked:
is there anyone can help me to understand how NHS works if you buy the house through them? I'd hope to hear from a lender who has experience with such programs or pro and buyers who successfully purchased a property with their help. Thanks!
0 votes Share Flag Thu Apr 4, 2013 Financing in California
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
Does a higher appraisal increase property taxes?
No. Appraisals are between you and the appraiser (and the lender if you are refinancing).

Your taxable value is determined by the assessor, who will look at recent property sales to ... more
0 votes Share Flag Thu Apr 4, 2013 Financing in Suisun City
Richard Matus, Real Estate Pro in Oakland, CA
Richard Matus answered:
Does building a "green" home necessarily mean a more expensive home (material-wise)?
Not always, sometimes it is a decision of using a different product at a similar cost. There is an organization called Build It Green ( that has lots of good info that ... more
0 votes Share Flag Wed Apr 3, 2013 Financing in Oakland
Charles Dail…, Real Estate Pro in Saint Paul, MN
Charles Dailey answered:
Short sale closed on October 30, 2010...When would be a good time to begin looking for a FHA loan to buy a new house?
November of this year unless you didn't have late payments on your mortgage or installment debt in the 12 months preceding the short sale. Then you don't have to wait at all. See the ... more
0 votes Share Flag Fri Jun 14, 2013 Financing in 95765
Daniel Lehman, Real Estate Pro in San Diego County, CA
Daniel Lehman answered:
I moved in our rental property (upside down). Is this considered owner occupied?
If you live in the property and can justify that you live in the property, yes it is owner occupied...

0 votes Share Flag Sun Apr 7, 2013 Financing in 92083
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Hi, I applied for housing loan to buy a property,and now my question is can I buy that property in my spouse name?she is a home maker .
Does your spouse have an income? There are a lot of factors that go into qualifying for a mortgage, one is income. Another is the amount of debt that person carries as compared to th ... more
0 votes Share Flag Sat Jan 25, 2014 Financing in 92122
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