Financing in Orange : Questions & Answers

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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:
Should I refinance and convert my FHA loan to conventional so I can get rid of MIP (PMI)?
You just need a minimum of 10% equity to refinance and get rid of your PMI.


Thierry Abel
Senior Loan Consultant
All California Mortgage
A Division of APMC
P: (415) 46 ... more
0 votes Share Flag Fri May 22, 2015 Financing in Orange
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
90% owner occupied loan for purchase of a duplex in california
An owner occupied duplex can be purchased with FHA financing with 3.5% down. Fannie Mae caps out at 85% LTV, Freddie Mac caps out at 80% LTV.

Shane Milne | Lending in all 50 states ... more
0 votes Share Flag Mon Apr 15, 2013 Financing in Orange
CPbronco, Home Buyer in Orange, CA
CPbronco answered:
Is the FHA funding fee considered a closing cost? If it is I would like to use the sellers credit to pay for it instead of adding it to the loan.
I forgot to add. In the same regard, is buying points considered part of the closing cost? My intention is to use as much as possible of the Sellers credit to closing costs.
0 votes Share Flag Fri May 22, 2015 Financing in Orange
Ann Harris, Real Estate Pro in Corona del Mar, CA
Ann Harris answered:
Lenders that will do 5% down conventional?
I know me 949-433-3225
0 votes Share Flag Sat Sep 8, 2012 Financing in Orange
Tony McMahon, Real Estate Pro in 20601
Tony McMahon answered:
I am a first time home buyer and a single mother trying to find 100% financing to buy a home in Riverside county (cheaper) have no idea where to start
Try contacting a reputable local Real Estate agent who can help you get started as well as make recommendations for you.
0 votes Share Flag Thu May 29, 2014 Financing in Orange
Thom Colby 8…, Real Estate Pro in Irvine, CA
Thom Colby 888-391-5245 answered:
We owe more than our house is worth and would like to get a lower interest rate to lower monthly payments. Excellent credit rating, no missed payments
Cindy -

How is the value compared to the mortgage balance? Is the home worth 60%, 70%, 80%, 90% of the mortgage balance, etc.? Depending upon this answer, the offer you have may b ... more
0 votes Share Flag Thu Mar 27, 2014 Financing in 92867
Connie Bramb…, Real Estate Pro in Orange County, CA
Connie Bramble 714-337-8718 answered:
What is a "closed end deed of trust"?
Hi there,
It is just another term we don't hear much for the standard deed. It very simple means that there is a specific number of years that the loan has to be paid off in. Yo ... more
0 votes Share Flag Tue Feb 23, 2010 Financing in Orange
Tony Vega, Both Buyer and Seller in Irvine, CA
Tony Vega answered:
Is getting a 6.875% FHA with 3% downpayment and $10000 closing costs inclusive of prepaid/non-recurring items
I locked a very similar amount at 5.875% today with no points and just over $2,000 in closing costs. on a house in Fullerton. If you are not buying down the rate, a good chunk of that ... more
0 votes Share Flag Thu Aug 7, 2008 Financing in Orange, CA
Vicky Chrisn…, Real Estate Pro in 20176
Vicky Chrisner answered:
Hi-I am looking into an FHA loan which I believe we would qualify for based on me and my husband's gross
You do need individual counseling from lenders. Since you're so far from me, I can only suggest this - talk to lenders, not mortgage brokers. Get a referral from your real estate agen ... more
0 votes Share Flag Tue Jul 22, 2008 Financing in Orange, CA
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