Financing in Sunnyvale : Questions & Answers

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Francis Roll…, Real Estate Pro in Los Altos, CA
Francis Rolland answered:
Is it possible to get a mortgage before I start work if I have debt?
Yes Christopher it is always possible (nearly) to get a loan, but it would be a lot more expensive than otherwise. This is really a question that is best answered by a lender, either a ... more
0 votes Share Flag Wed Jan 9, 2013 Financing in 94089
David Rivas, Real Estate Pro in Sunnyvale, CA
David Rivas answered:
I have been paying MIP for 3 years on a FHA loan. I want to refinance (streamline FHA) Does my MIP start over for another 5 years?
If your LTV (Loan to Value) is still above 80% you will still have to pay the MIP. Hopefully you are in an area where prices have gone up and therefore making your LTV below 80%. If t ... more
0 votes Share Flag Wed Oct 9, 2013 Financing in 94086
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
Can I get a mortgage right after graduation?
You probably cannot:
Possibly with some creative financing; possibly private:
Lenders are basically looking at two things; your history of paying your bills, (limited) and your job de ... more
0 votes Share Flag Mon Sep 30, 2013 Financing in 94089
Michael Robe…, Real Estate Pro in 95124
Michael Roberts (408) 505-5614 answered:
I have bofA FHA loan. Payed Mip for 6 yrs. Can I pay down mortgage to 20%equity then streamline refi with no appraisal?
Hi JetJohn, Your strategy to refi is a great one. However, to refinance a home the lender will need to appraise it for value. If the appraised value does not exceed 88% your go ... more
0 votes Share Flag Thu Jan 26, 2012 Financing in 94086
Carol Perdew, Real Estate Pro in Central Valley, CA
Carol Perdew answered:
what does FHA approved complex means? Where can I find the guideliness?
The FHA financing is structured to help the home buyer. FHA has requirements for the condition of the home which is assessed at the time of the appraisal. This statement indicating th ... more
0 votes Share Flag Sat Feb 9, 2013 Financing in Sunnyvale
TerriVellios…, Real Estate Pro in Campbell, CA
TerriVellios.Com answered:
can a mobile home be financed by a co-signer?
Tmd

You will need to talk with your lender on this one. The problem you may face is if the co-signer isn't living with you you may not qualify for the park. Each park is diffe ... more
0 votes Share Flag Thu Feb 17, 2011 Financing in Sunnyvale
Jared, Home Buyer in
Jared answered:
CA First Time Home Buyer Credit
I believe the information you gave is correct.

This goes to show that free money isn't fair money. I'm sorry for you bad timing but I believe that you should get the Fed ... more
0 votes Share Flag Thu Jan 22, 2015 Financing in Sunnyvale
Shawn Sidhu, Real Estate Pro in San Jose, CA
Shawn Sidhu answered:
I am looking for local representation to do a Short Refinance. Within 45 min of Sunnyvale CA 94085. Please respond. Thanks
Larry,

I highly recommend giving Ben Adhikari @ Everest Realty Group a call at 415-640-0932. He is highly experienced in short sales and has listings in the South Bay.

Regards,
... more
0 votes Share Flag Tue Oct 20, 2009 Financing in Sunnyvale
Mark Risting, Real Estate Pro in Schaumburg, IL
Mark Risting answered:
Is there income limit for the Federal 8k tax rebate for home buyers in 2009?
Dear Anewbuyer.

1) Income limits are $75k for single taxpayers & $150k for people filing jointly. For incomes over those amounts, the credit will eventually phase out when incomes re ... more
0 votes Share Flag Wed Aug 19, 2009 Financing in Sunnyvale
Tammy Davis, Real Estate Pro in 95023
Tammy Davis answered:
We got into contract a couple of days ago. Lender A has done an appraisal for us & we are working with them.
Every lender is different...you may owe for the appraisal, credit report and document preparation or processing fees.
But to be on the safe side....be upfront with your loan agent and ... more
0 votes Share Flag Thu Jun 25, 2009 Financing in 94086
Cindi Hagley, Real Estate Pro in San Ramon, CA
Cindi Hagley answered:
Looking for a 2nd house in Sunnyvale,ca... I currently own (condo) in sunnyvale and want rent my property.
your best bet is to speak to a lender to find out what programs are available to you. Give Linda Grassi a call at 925-824-4848.
0 votes Share Flag Wed Apr 18, 2012 Financing in 94085
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
Hi, I have a question about refinance.
David,

First, check out my blog titled "Rules of Refinancing." I think you'll find this useful.

If you'd like to discuss your options further with me at any point in time in the ... more
0 votes Share Flag Wed Mar 4, 2009 Financing in 94089
Carl Medford, Real Estate Pro in Fremont, CA
Carl Medford answered:
Have you done a loan modification? Should I hire some one to help me modify my loan?
Ali:

Read the following post - it may help.

http://www.trulia.com/blog/carl_medford/2009/01/loan_modification_progra

.
0 votes Share Flag Fri Mar 13, 2009 Financing in 94087
Rob Spinosa, Real Estate Pro in Mill Valley, CA
Rob Spinosa answered:
what is the current Conforming Loan Limit for home in 94087 ?
The jumbo conforming limit is currently $625,500, but will revert back to $729,750 soon.
0 votes Share Flag Mon Feb 23, 2009 Financing in 94087
John J Dutra, Real Estate Pro in Fremont, CA
John J Dutra answered:
if the credit card is closed by its issuer due to no account activities, will it lower my credit score?
I would think that an account closed by the creditor with no lates will not generate a lower credit score because of it. I have seen this occur in the past (an account closed through n ... more
0 votes Share Flag Sun Nov 30, 2008 Financing in Sunnyvale
Dot Chance, Real Estate Pro in Burbank, CA
Dot Chance answered:
Can my husband qualify for a first-time home-owner loan if I own a house under my name?
Amy, he would have to apply for the loan under his name and you could not be a co-applicant if he is getting benefits of a first time buyer.

If you want to check this out with a lend ... more
0 votes Share Flag Thu Jul 17, 2008 Financing in Sunnyvale, CA
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