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Financing in Cuyahoga County : Real Estate Advice

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  • Local Info1
  • Home Buying7
  • Home Selling2
  • Market Conditions1

Activity 74
Tue Jul 11, 2017
Kingdave317 asked:
I am ready to move and I am being told that I cannot get an fha loan until I sell this house ? My lawyer said that it is not a loan anymore and legally a lien. I am in ohio and can't seem…
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Sat Apr 29, 2017
Yve4902 asked:
to keep my home or I will be evicted. I paid my mortgage on time for years but my soon-to-be-ex husband lied and did not pay the taxes which was why the house was foreclosed because of…
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Tue Feb 21, 2017
Alo.bolton answered:
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Bless up..
... more
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Sun Feb 19, 2017
Lauren asked:
We have the financial means to save through our income before closing and also have a 401k we could borrow from. We were planning to do a 5% down conventional loan. There seems to be a lot…
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Sun Feb 19, 2017
Lauren asked:
Or, can I show that we have the means from income to save enough to cover closing costs before closing? We also have a 401k we can borrow from.
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Mon Feb 6, 2017
Frank7619 answered:
anyone interested in investing 25K for a return of 40K in 2 weeks
0 votes 5 answers Share Flag
Fri Dec 9, 2016
Isaiah Y. answered:
Try contacting Home Loans For All. We've sent quite a few clients to them and they've been great. You can reach them at (888) 540-0280. Hope this helps!

Best of luck!
1 vote 6 answers Share Flag
Thu Sep 8, 2016
Hi Tar,

It really depends on the type of loan you're eligible for, what you did with the home & whether or not you've "re-established" your credit since the BK.

For example: If you stayed in the home but stopped making payments on it, the FHA guidelines state that you're not eligible until 3 years after the lender foreclosed on that home. Now let's say you're still in the home & the bank still has NOT foreclosed, you would not be eligible for an FHA or conventional loan.

The best thing you can do is to contact a lender, like me, to find out where you stand.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online:
NMLS# 787231
... more
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Fri Nov 27, 2015
Theglitterati asked:
My husband and I are here on long term L1 visas, and can apply for green cards. Which we haven't done yet. Can we get a mortgage without a green card?
Or are the interest rates better…
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Sat Aug 1, 2015
Malekfinancials answered:

Do you have a bad credit?
Do you need money to pay bills?
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Do you need money to invest in some area of specialization which will profit you? and you don't know what to do.

I am Mr. Maleek Johnson, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of 1,000.00 to 10,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:

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In acknowledgment to this mail, we can start with the processing of your loan. There is more to gain by getting a loan from this company.

... more
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Thu Apr 2, 2015
Lenderbradford answered:

Based upon the information you presented, it would appear that you would qualify for the 130,000 Mortgage. As a lender in the Cleveland Area, I would be glad to answer any questions you might have and assist you with obtaining a PreApproval letter.

Based upon the income your presented, you may wish to Check out the Ohio Housing Finance Agencies Mortgage Credit Certificate Program. I have included a link to a calculator that will show the potential tax benefits of the program.
... more
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Sun Mar 1, 2015
Yaw Anku answered:
For an updated list of FHA approved condos in the Cleveland, Oh area see This link is available nights and weekends unlike the HUD site. FHA approved condos are easier to sell because buyers can put down a lot less money. ... more
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Thu Jan 8, 2015
Sandy Thompson Girolami answered:
Best to talk to a real estate attorney in your area. Not sure if there is away around that or not.
0 votes 1 answer Share Flag
Sun Dec 28, 2014
Leatherman asked:
Can non-occupying co-borrowers be on a loan for new construction if the builder carries the construction loan?
0 votes 0 Answers Share Flag
Tue Dec 9, 2014
Tim Moore answered:
It does not matter who is occupying or not, that is irrelevant. As a co-buyer that person is partly responsible for payment of the loan as much as anyone else listed on the mortgage is. If the loan is not paid, everyone on the mortgage takes a hit on their credit and the house can be foreclosed. The deed, or title as it is called in some states, shows the owners of the house, not the mortgage which only shows who agreed to pay it. As a co-buyer I would INSIST on being on the deed if I am required to be responsible for the loan. They don't have to be on it, but I would want to be to protect my interests. ... more
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Mon Oct 27, 2014
Dan Tabit answered:
I'm a formerly licensed loan officer and if the terms are as you suggest, you should be fine. I just hope you weren't counting rent into your DTI. That won't be a factor until you've been collecting it for a while and even then only 75% of what you receive will be factored into your income. The other factor that may come into play will be the equity in your current home. Last I knew, banks want you to be in an equity position on the first home out of fear of buy and bail schemes where you walk away from the first house once into the new one.
Speak to a local Loan Officer a bit about your specific situation for the most up to date information.
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0 votes 1 answer Share Flag
Mon Jul 14, 2014
Sam Shueh answered:
try hard money. Often you have to purchase at a deep discount.
0 votes 1 answer Share Flag
Mon May 12, 2014
Lance Holtman answered:
Maybe, Maybe not.

Is it a line item o the credit report? Are payments made on time? (Good things)

Does the debt cause you to exceed the accepted debt ratio of the loan program you are applying for? (Bad thing)

Contact a local mortgage broker to review YOUR scenario.
... more
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