Financing—questions & answers, advice and opinions page 28

Jumbo financing up to 90% LTV with a min fico of 680. NO MORTGAGE INSURANCE
Anyone looking for a good Jumbo loan with a 90% LTV & min 680 fico. Call me to discuss your loan scenario 847-278-7222.
Need a reputable and reasonable mortgage lender in Orlando/Kissimmee area
I have been in the process of apply for a mortgage in order to then get an agent to show me homes. I've been in the process with PNC for over a month now, and it's getting to be absurd. I've provided everything,…
Would I qualify for an FHA Loan?
I am trying to determine if I should continue renting or try to buy a house, but not sure if I would qualify for an FHA loan. I had a short sale completed 09/22/2010 and the payments were not kept up…
New construction loan for new investor? Suggestions?
I am a Realtor in Metro Atlanta with lots of experience in renovation and new construction (I have worked heavily and consulted with many HGTV shows). My business partner and I are looking at starting…
Can Foreigner owning US based corporation get a mortgage?
I own a US based corporation that was opened this year and fully operating in US. I was told that having such corporation might affect in a better way terms/requirements of getting a mortgage. Is that…
I would like to know how long after a short sale do you have to wait for a mortgage? I had to do a short sale in'09 . It will be 3 yrs in Nov
'12 . The pmts went 120 days late, which is what the bank told me I had to do. My credit is up to 690 and I have some money to put down. When the time is right will I be able to qualify for a mtg…
how long after a short sale to get a loan if you became disabled and did a short sale?
My wife and I still have enough income to afford a smaller home, but this one is so under water 170,000 to be exact. There is no way we can afford this home now.
Any recourse if property taxes are under estimated?
A builder's "preferred lender" estimated property taxes based on the vacant lot and the payment estimate was at buyer's maximum. Actual taxes are $2000/year higher and now buyer cannot…
"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?
this is for a refinance we are considering since our 30 yr fixed is @ 4.5% I assume a lender would be charging me a slightly higher rate to cover the costs associated with the refinance than what they…
Need to find my buyer a private mortgage lender on a 1.7m north scottsdale home
The wife has 790 credit score and the husband has 689. They have 1.5m in cash in the bank are looking to put down 400k on the 1.7m purchase. They are willing to pay 5-6% interest on a 3-5 year on a private…
I am in a lease to purchase condo.
I signed a two year lease. I am to find financing three months prior to my lease being up and on the third month have the loan closed on and title all done. There things the Association Boards of Directors…
Mortgage for non-resident US citizen in Truckee, CA.
I am a non-resident US citizen looking to buy a property in Truckee, CA. I have a 75% down payment and am looking to take a mortgage on the remainder (~100k). Does anyone if this is possible and can help…
What is the benefit of having your lender/bank rep at closing?
I can see having an agent co to closing (to be held at tltle company), but why rep from bank?
Can we get mortgage approval < 3 years since foreclosure due to extenuating circumstances.?
3.5-5% down, settlement funds in bank, DTI ratio 20%, scores 665 Bankruptcy disharged 10/10, foreclosure recorded 2/11/11. We have been working with a broker who can not get it done. Already have an…
Conventional Vs. FHA
My husband and I are debating two loans options The first is a coventional with 10% down, just my name (my score is over 800, his is 665) The other is with both our names, 10% down, FHA It appears…
Hi, I am looking for a hard money lender in the Harper Woods, MI area. Help please???
Hi, I am looking for a hard money lender in the Harper Woods, MI area. I own my home and two cars as collateral. I am only looking to borrow around $2500 for home repairs Please help.
Cash Out w/ Life Estate?
Hello everyone, I have a home in NY (not primary residence - I currently reside in CT) with no mortgage. The home has elderly relatives in it with a life estate. I would like to do a cash out refi.…
i need stated income mortgage with 30-40% down, Fico 740
loan value is about $120k. leave your contact info if you have this program.
Rural Housing Direct Loan and Verona
I have 2 small children and I qualify for a Rural Housing Direct Loan. I saw a 3 bedroom 1 bath home in Verona that I am interested in. My questions are, does this fit the "modest" requirement…
Looking for lender: Mixed use project
I want to buy a historic building in my hometown's downtown. I want to remodel the top floor as my primary residence (a luxury residence). The bottom floor is a store front and I have a tenant (good income). Because…
Looking for options to refinance.
I am looking to refinance a condo in the Boston area. Currently have 2 mortgages and owe 625K. First mortgage is for 320K @ 5%, 30 yrs. fixed. Second mortgage is a 15 yr with 305k @ 9%. Condo is appraised…
Do I have to have a mortgage application filled out if I am a cash buyer in Pa?
I was told it is mandatory in the state of Pa to fill out a mortgage application even if I am a cash buyer? Is this a fact? and if so why?
PLEASE HELP ME HELP my Sister.
My sis lives in Aurora was robbed during the home crises. She is a nurse and became unemployed, and fell behind just a few payments. Threatened foreclosure, so she let some other finance company take over…
We retire soon, move to VA and want to buy land and build a home. With a 60-70% down payment will we still have trouble getting financed?
Hit hard with the recession, custody of our infant granddaughter, state retirement started taking 6% from us, we were hit with a 12% decrease in monthly income, side job went out of business a loss of…
Delayed Financing
If i cash out on my primary residence acquired funds to purchase an investment with cash? With the delayed financing do i need to payback/paydown my cashout refinance?
Refinance current house as investment with least down payment, maybe cash out.
I'm looking to refinance our current home (owe 348, worth ~450-480) as an investment property. We are planning on staying in our house, but could be persuaded to into moving up to a bigger house if something…
Looking for equity loan against my mobile home.
I own a double wide mobile on. 71 acre. Paid cash for the home and land. Finishing the set up ran out of cash. I'm trying to find an equity loan for $6K. With a 3to 5 year payback. No penalties for…
I want to buy another home in Pittsburgh but I own a home in 15003 that I am renting out. Can I use the rental income on my mortgage application?
I think it's worth about 72K and I owe 59K. I've been renting it out for almost 3 years and it's never been vacant between tenants. I also own a home in KS that I am living in now. I would rent that…
What can I do to refinance the interest or loan amount on my second loan?
I purchased my home in 2007 and financed 100% of it. I've been able to refinance the first loan but can't seem to do anything about the second loan since the value of the home is went from 250K to 150K.
I am looking for a lender to refinance a 4-plex owner occuppied that has the 20% equity to rid the PMI and lower the rate.
I have a 4-plex that I purchased almost 3 years ago and I am living in 1 and renting the other 3. I am presently shy $63 per month to cover my mortgage and impds and would like to refinance. I believe…
I want to partner with a local lender working Rogers Park. I am a 20 veteran moving to the city for a boyfriend.
I built a booming business in Milwaukee…..100 transactions per year and plan to do the same in Chicagoland and want to start where I live. Thank you in advance for your help.
Recommended Small Business Bank Account
Hello everyone, we have a series LLC with each rental unit under each series. Now we are looking for a commercial account to manage all the security deposit, rent, expenses, etc. It looks to us that…
How has the sudden job deficiency in Europe has changed the value of European economy?
Why has been sudden decrease in jobs in Europe even though many nations are showing good economic recovery.
we are looking at buying in florida how do we finance the home, we have a deposit and live in the uk, with
the idea of immergrating to usa, when we can find a job? we are looking in orlando at around £200,000 we do not have a itin number either?
Can anybody recommend a reliable, patient USDA loan officer?
I am looking for a USDA loan officer geared towards not only offering this service but who is also willing to invest the time and effort needed to establish goals. They should offer guidance so that an…
I erroneously completed the day care form and it put us over our debt income ratio. Can I find another morgage company and leave it out.?
Last year our son had half day kindergarten and we needed half day care. We kept him there for their summer camp twice a week but since I have summers off, we rarely take him at all. In completing their…
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