Financing—questions & answers, advice and opinions page 47

I moved in our rental property (upside down). Is this considered owner occupied?
I separated about a year ago, I moved in our rental property (upside down). I've been paying the mortgage on time for the past year. The loan is only on her name but the title is on both of our names.…
Chapter 13/ refinance
We are in a chapter 13 that was filed back in mid 2009. We have made all of our payments to trustee on time. I am researching and finding info that we can possibly refinance while still in bankruptcy.…
Looking for a lender with minimum 10 years experience, ability to close conventional and FHA loans; contract to close in 20 days.
Evening office hours for face-to-face applications with first time buyers, single digit handicap a must!
Looking for private mortgage lender for Condo...
I am currently in the 4th year of a 20 year owner financed mortgage for a Condo. Mortgage balance is about $82k. I have good credit, excellent income but comps for the condo are really low because…
Looking for rent to own or lease to purchase opition? In richmond,va?
-- This question was asked from this property: http://www.trulia.com/property/3112540691-2250-Stratford-Rd-Richmond-VA-23225
How soon we can get home equity loan in Texas after purchase of primary residence?
I just closed loan on my primary residence house in San Antonio last week (March-28). Purchase price of home is 128K and I have 102400 loans against this property. As this was foreclosure I got some…
Apply for loan - Non US Citizen
Is there a chance for non US citizen to get a loan or refinance the investment properties that we have hold almost a year or more?
is there anyone can help me to understand how NHS http://www.nhslacounty.org works if you buy the house through them?
I'd hope to hear from a lender who has experience with such programs or pro and buyers who successfully purchased a property with their help. Thanks!
Does a higher appraisal increase property taxes?
Looking to get my home refinanced in May 2013. Purchased in June 2011 for 150k FHA, appraised at 165k at the time. My home is currently valued at 188k (4/3/13 estimated). With various improvements to the…
Can we get HARP loan?
Need ideas to refi 30 yr 5.625% BofA $208K HELOC 3.125% Chase $78K on rental worth $400K FICO 805
FHA Guidelines / Requirements for Property Condition
Hello! Can any mortgage professionals provide a good current link or detailed list specifying what items (i.e peeling paint, inoperable heating, etc) Buyers can look for in a new home to make sure the…
Remaining economic life, Conventional mtg, and 30 years - HELP!
So, we applied for a conventional 30 yr mtg and the appraisal came back and is saying the REL is only 25yrs. So the mtg company is not willing to lend us for 30. From what I understand, the REL is applicable…
brand new house construction loan
hello, we own a lot and wondering what would be our options for financing the house which we want to build with the help of contractors. The city has a lien on the land for sewer, all homes in the area…
Getting mortgage when in different state and question on properties
I'm in New Orleans and my fiance and I are moving to Tampa. We have a few places picked out (if you're a Realtor, e-mail me so I can get info on the places we found). I am going to be the one who buys…
i have a 631 credit score but have a bnkrptcy in oct 2010. Do I have a chance at a mortgage? 27 years same job. Down payment???
Im not sure what my husbands credit score is probably worse, but no bankruptcy. I know in a year it will be more likely we will get financed, but tired of waiting.
Can anyone recommend a good mortgage broker in Denver, that participates in the VA Lender Appraisal Process Program (LAPP)?
I also know my loan will need to be manualy underwritten and will require a VA lendor who accepts non-traditional credit lines. Can anyone help?
My credit score is 580. I currently only have one revolving account (auto loan) but had trouble with defaulted student loans a couple of years ago.
I have no credit cards (paid off and closed accounts). I have been with my current employer for a year and make $30,000/year. I am looking to purchase a home under $50,000. Would I be able to get…
I'm trying to refinance my home. We had an appraisal, but now Freddie Mac is devaluing my home $13k less then the appraisal.
How is Freddie Mac coming up with the value for my home and what good is an appraisal? Am I able to go elsewhere and refinance without Freddie Mac? Our home appraised for $135k, Freddie Mac claims it's…
What options do I have for Freddie Mac refinance under Harp 2? My mortage is $208,000 and my home value is $155,000.
I have $40,000 available to put down towards principal to lower mortgage amount. Should I recontact the servicer now?
Any one used closeyourownloan.com?
Has anyone had experience with closeyourownloan.com? The are quoting 5.0% with 0 discount point compared to 5.25% quoted by majority of lenders (BOA, wellsfargo, citi)
Hello I have vacant land that I would like to sell.....
Problem is possible buyer has another mortgage and no bank will allow him to puchase my land. They also told him that he couldnt roll the 2nd mortgage into his current one. He has a nice down payment for…
Mortgage company asking married couple for separate applications?
We were approved for a mortgage several months ago on a new home purchase (our primary residence) but the deal fell through the day before closing because the seller had a problem with his bank (short-sale…
does anyone lend $ so I can buy land?
I would eventually put a manufactured home on it and then deed them together can someone give me more information about the process? -- This question was asked from this property: http://www.trulia.c…
Are there still people choosing to finance they're home when they are capable of paying in cash?
Do you recommend one way or the other with current interest rates?
Any lenders in Buffalo giving out mortgages to recently self employed people with 630 credit score? If not, any quick credit score fixes you can refer
I am recently self employed (2 yrs of tax returns) making $50 - $90k respectively, have a credit score of 630 (low score due to paying late in my younger age, over a year of positive history now), and…
Looking for Licensed Mortgage Broker in New Jersey.
I have a buyer looking to get preapproved for a home purchase in New Jersey. Sales Price = $170k. If interested, feel free to send me your contact info.
Anyone doing 85% - 90% LTV construction only or construction to perm loans? FICO score of 750 , low DTI. (house land) MnMs in Peachtree City
Have found lenders doing these in SC, some in NC, but their operations in GA are min of 20% down, many 25% down.
Can anyone help guide us for a private mortgage in NY Long Island area? Want to purchase a condo for 445k. Putting down 30-35%.
Excellent employment history. Over 24 yrs at same employer making upwards 170k. Had to short sale 2 yrs ago which lowered my credit scores.
Moving. Want to buy new home. Payments on new/old home no problem till sold. Options to come up with downpayment 4 new? Creative financing?
Aside from home equity loan on old house, are there ways to find downpayment money if income is no problem? We just have cash flow problem until old house is sold and about 5 months into new much better…
Can my parents in Canada help me buy a Co-op in NYC? Can this somehow be used to qualify me for a mortgage?
I have excellent credit and a secure decent job in healthcare ($80K ) but no downpayment. They've said they will help me but I wonder if, because they are in Canada, it will help me qualify. Any advice…
Not on credit report
2010 Foreclosure not showing up on credit report. Saxon did a illegal foreclose. According to the OCC I will get a payment soon due Saxon illegal foreclosure processes. Can I apply for a loan? I will be…
HOW DO I FIND THE TAX ASSESSMENT AND IMPROVEMENTS FOR MY HOME?
I'D LIKE TO PRESENT AS MUCH 'CLOSING COST' INFORMATION AS I CAN TO MY LENDER; I THINK THE CLOSING COSTS FOR A REFINANCE ARE TOO MUCH. HOW DO I FND THE TAX ASSESSMENT AND IMPROVEMENTS FOR…
As as second-time home-buyer, will I be able to qualify for a mortgage with my current low income (which is soon to increase due to changing jobs)?
I am currently the sole owner of my home in Lafayette. I am a doctoral student who makes only about $1500/month at my research assistantship (it's so low because it's only part-time and they also pay for…
My partner and I are looking for a home. Our current gross income is $6,505.54 (Mine is $5,163.64 his is $1,341.90). He is a veteran. Help!
As I stated the numbers are above. He is a veteran and qualifies for a Certificate of Eligibility from the VA. Is it best to go through the VA or through a bank? Can you get any kind of place with a VA…
Updated. What is the greatest amount of mortgage loan I can expect to be approved for? My goal is 200,000 0% down VA loan. Have 20,000 saved if need
My credit score 735, my wife's 637. I have 2 part time jobs 1 on which I have been for over 2 and a half years. The other is the Marines reserve on which I have over 8 years total service and just…
Any suggestions on where to obtain a loan for < $40,000 for a home purchase?
Credit, Income, Ratios of buyer are all fine. Various lenders have denied her due to high cost provisions of the loan. (Cost cannot exceed more than 5% of Loan Amount)
We, Rose Mortgage Group, are looking to host an Educational Workshop for Realtors in the area. What would the local realtors like to learn about?
Would you like help with social media and brand-building while getting free food? Would you like to learn more about any specific mortgage programs?
i am self employed full time for the past year. but have been working in the same field for ten years. How do they figure income for a FHA loan?
I have all 1099 income for the past year but have both 1099 and W2 income for the past several years. The last two years my W2 income was the substantial part of my income but I did have about $9000 in…
Can I rent my FHA loan house out if I refinanced a few months ago?
We actually bought our house in December 2008, and our financial situation has gone steadily downhill since then. When we refinanced last fall (2012), we were planning on staying here, but things have…
Copyright © 2015 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer