Financing in Thousand Oaks : Questions & Answers

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Barry Shapiro, Real Estate Pro in Camarillo, CA
Barry Shapiro answered:
My son put an offer on a $330K home. Combined income w/girlfriend is $35k. Has $180K for down. No debts and excellent credit. Mortgage possible?
With the housing payment in the $18K/year range, this would be well more than 28% of their income -- actually closer to 50% of the household income. Your next step is to get PRE-APPROV ... more
0 votes Share Flag Mon Apr 30, 2012 Financing in Thousand Oaks
Barry Shapiro, Real Estate Pro in Camarillo, CA
Barry Shapiro answered:
I am on title only, not on the loan in Calif.. If my husband dies do I have to qualify for a new loan? Can I just continue to make the payments?
This is an excellent question, Jr. As long as you make the FULL PAYMENTS on time, it doesn't matter who is on the loan. An acceleration clause in the loan contract "may" ... more
0 votes Share Flag Sun Feb 12, 2012 Financing in Thousand Oaks
Jacob Varghe…, Real Estate Pro in San Jose, CA
Jacob Varghese answered:
how to determine if to pay points or not on a mortage loan?we plan to stay 3-5 years but we wonder if we
I could answer your question in a better manner, if I know the loan amount, duration of the loan, the proposed interest rate with points and without points.

Prima facie, it is not a ... more
0 votes Share Flag Tue Aug 18, 2009 Financing in 91360
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