Financing in Essex County : Questions & Answers

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Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
FHA mortgage after short sale - what does eligible mean to lenders?
It means apply, FHA always goes by the application date. To get your closing as close to the 3-year mark as possible, you can become pre-approved ahead of time though, and just re-appl ... more
0 votes Share Flag Sat Aug 17, 2013 Financing in Maplewood
Andrew Tisel…, Real Estate Pro in 07024
Andrew Tisellano, Broker/Assoc answered:
Recommend good mortgage brokers in Morris/Essex county area in NJ? Have Testimonials?
Craig Andriulli
Vice President
NMLS #212830
Bond Street Mortgage, LLC
NMLS #191351
Cell: 201-647-4180
Office: 201-918-4980
Fax: 201-918-4981

... more
0 votes Share Flag Mon Oct 15, 2012 Financing in 07044
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Who provides Form 1098?
Usually the servicer who you pay your mortgage to provides it howver the bank that holds teh loan is ultimately responsible. I would start with and insist it from whoever you are paying ... more
0 votes Share Flag Tue Feb 14, 2012 Financing in Millburn
Albert Rapop…, Real Estate Pro in Hoboken, NJ
Albert Rapoport answered:
I want to re-fi my home and put the cash down to an investment property. Is this allowed? Can I get down payment assitance on the @nd home?
There are 3 ways to buy a home... as a primary residence, as a second home or as an investment property. If you are buying an investment, then a 20% down payment is necessary. You absol ... more
0 votes Share Flag Thu Feb 9, 2012 Financing in Newark
Alain Picard, Real Estate Pro in Puyallup, WA
Alain Picard answered:
Can I be approved for a mortgage without my spouse? I have worked to repair my credit and he lost his job. We have equity in our home about $20-30g.
I would call a local lender and ask them but from what I know you shouldn't have to have your spouse on the loan with you.
0 votes Share Flag Fri May 10, 2013 Financing in 07104
Annette Levi…, Real Estate Pro in New York, NY
Annette Levinson answered:
Can someone buy a home with just their tax id? we woukd like to buy and investment property
You can buy with an ITN number if he pays taxes in the US. They will also require credit report (with FICO) and bank statements.
It might be easier for you to go for credit c ... more
0 votes Share Flag Wed Dec 14, 2011 Financing in Forest Hill
Alex Kushnir, Real Estate Pro in Monmouth County, NJ
Alex Kushnir answered:
in NJ. does interest on rental security deposits have to be addressed in lease for tenant to get the interest?
He is. See link and here:

The security deposit money continues to be the property of the person making
the deposit and must be held in trust by the person receiving the money. This ... more
0 votes Share Flag Wed Nov 13, 2013 Financing in 07111
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
What should I consider before choosing a mortgage lender? I would be a first time homebuyer.
The first question I would ask:
Do they sell the loan, or do they keep them and service them?

I would recommend getting at least two quotes.

Good luck and may God bless
0 votes Share Flag Sat Jul 9, 2011 Financing in Newark
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
down payment assistance grants?
Hi Sara - I helped answer a similar question a few days ago, you can see however the sam ... more
0 votes Share Flag Fri Jul 8, 2011 Financing in 07003
Jonathan D.…, Real Estate Pro in New Jersey
Jonathan D. Joachim answered:
West Orange Home appraisal
Hi Kavita,
The best thing for you to do is to ask a local realtor for a CMA. A "Comparative Market Analysis". This should utilize the same comparable sales that an appraise ... more
0 votes Share Flag Thu Jun 2, 2011 Financing in West Orange
Alex Silberm…, Real Estate Pro in 07901
Alex Silberman answered:
Having a deposit of around 60,000 dollars and no income within the USA- what would be a good real estate investment?
One of the most positive things that Real Estate has done in the past few years is a return to level headed investment one can genuinely afford. There were many people who were duped i ... more
0 votes Share Flag Thu Feb 24, 2011 Financing in Millburn
Tony McMahon, Real Estate Pro in 20601
Tony McMahon answered:
I would like to buy a 3 family house. Can I use the income generated by the house to qualify for the mortgage if I do not make enough?
While your scenario doesn't sound as if you will be able to obtain traditional financing, you should definately contact a reputable local lender to discuss what your options might ... more
0 votes Share Flag Thu Jan 20, 2011 Financing in West Orange
Bill Polack, Real Estate Pro in Atlanta, GA
Bill Polack answered:
i want to buy farm land can i get finance for the same and i am a foreign national
The first question is are you going to farm the land? The second question is do you intend to move to this country and farm the land? It's become so difficult for foregin nationals ... more
0 votes Share Flag Sat Mar 19, 2011 Financing in Upper Clinton Hill
Marlene Bien…, Real Estate Pro in Thomasville, GA
Marlene Bienes answered:
how do i clean up my credit?
Many people are doing exactly that, cleaning up their credits. Many credit scores have been lowered and sometimes not by your own doing but the lending institutions are cutting credit l ... more
0 votes Share Flag Thu May 27, 2010 Financing in Irvington
Bchand99, Home Owner in Chicago, IL
Bchand99 answered:
How do I calculate the interest earned on my security deposit, with a different interest rate each year, and?

Lease period is from 3/15/09-3/31/11 in Chicago, IL what is the interest rate earned that I need to pay back to tenant?
0 votes Share Flag Tue Oct 18, 2011 Financing in 07111
Thedrjojo, Home Buyer in Newark, NJ
Thedrjojo answered:
Do physician home mortgage loans still exist in NJ?
I am starting my residency in July, also looking at Essex County right now (in attorney review right now), and Huntington Bank is offering me a Physician Loan with exactly that - No dow ... more
0 votes Share Flag Tue May 11, 2010 Financing in Verona
Orin "Jay" Mingo answered:
Has the fha loan limit increased yet in Essex county, NJ?
If the equity is not there then you might have to modify your loan which is cheaper than refinancing.
0 votes Share Flag Wed May 20, 2009 Financing in 07043
Bonita Areman, Real Estate Pro in Livingston, NJ
Bonita Areman answered:
I am a first time homebuyer and very confused about how the new economic stimulus $8000 credit really works?
First-time homebuyers who purchase homes from the start of the year until the end of November 2009 may be eligible for the lower of an $8,000 or 10% of the value of the home tax credit. ... more
0 votes Share Flag Tue Mar 3, 2009 Financing in Livingston
Diane Glander, Real Estate Pro in Spring Lake, NJ
Diane Glander answered:
I was in talks with an agent in NJ and was looking to make an offer to lease option (rent to own) a condo
Standard NJ contracts have a "no assignment" clause in them. That's for a purchase. I don't know about sandwich lease options. You should ask a good real estate attorney to answer yo ... more
0 votes Share Flag Wed Apr 8, 2009 Financing in Newark, NJ
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