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92591 : Real Estate Advice

  • All34
  • Local Info0
  • Home Buying17
  • Home Selling3
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Activity 29
Sun Jun 14, 2015
answered:
Hello Elizabeth, your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program, LTV, amount of cash out. If you have credit issues, your credit scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

You may qualify for FHA refinance from a minimum 500 fico score and conventional from a minimum 620 fico score. It only takes a few dozen questions to qualify and go over your options. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank, Link or Best Answer.
... more
2 votes 2 answers Share Flag
Tue May 5, 2015
answered:
The reason your pictures have not been taken down and will not be taken down is because you are posting your request into the public forum. You are not posting on a contact trulia page.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com
... more
0 votes 1 answer Share Flag
Tue May 5, 2015
Kirsten Prizzi 239-248-1667 answered:
you go to your profile, go to manage your listings, than either add listing or sold listing, enter the address and claim it.
0 votes 1 answer Share Flag
Tue Mar 24, 2015
answered:
I can do that all day long.

Call me at 714-968-2500
0 votes 3 answers Share Flag
Mon Mar 23, 2015
answered:
Hello Myrtle, I am also a Veteran and love assisting It only takes a few dozen questions to qualify and go over your options. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt

If my response was helpful, consider clicking Thank or Link.
... more
0 votes 15 answers Share Flag
Wed Mar 4, 2015
Julie Falen answered:
Hi Miss Lizzy - absolutely you can pull equity out to acquire a 2nd property for rental. If you use a subprime lender you do not have to worry quite as much about qualifying for 2 mortgages at once as one can be paid for by the rent, and also you can use a stated income loan. It is all about leverage.

As for fiding a good investment property i recommend you find a CIAS certified agent who specializes in guiding folks thru investment properties and the language and terms and specifics.
... more
0 votes 7 answers Share Flag
Tue Sep 2, 2014
Christine Kepp answered:
Hi Mr. Guillermo,

The answer to your question really depends on a variety of different variables. For example, the type of property you are needing (i.e. condo, single family home), the school district/neighborhood, and so much more.

You will want to begin by getting pre-qualified with a lender to determine the amount for which you qualify. Then a real estate professional can assess you particular needs and help find the perfect home for you and your family.

Feel free to contact me and we can discuss this in more detail. I can also get you in touch with a loan professional so you can begin the pre-qualification process. I can be reached at 951-297-7735 or at homeexperts@keppandassociates.com.
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1 vote 2 answers Share Flag
Sat May 10, 2014
Kent Turansky answered:
Hello Veronica,

You can apply here:
Housing Authority of the County of San Bernardino
715 E. Brier Drive
San Bernardino, CA

Kent
0 votes 1 answer Share Flag
Thu Apr 3, 2014
John Lewis answered:
If you are starting with $200,000.00 or less there are still options in the Temecula, Murrieta and Menifee areas that will work for you. My advise is that you check out the list of properties that will be sold at the county courthouse steps. There are Tax sales, Foreclosures and other types of sales that you maybe able to pic up there. However you need to due alot of research on the properties that you are wanting to bid on. When I am looking at a specific property that will go to sale at the the courthouse steps, I also look at the houses that are on the list for the sale on that day. In my investigation of said properties I check with title on the position of the lien holders. #1 make sure that the sale is from the first position lien holder (only bid on properties that the first loan is getting sold. The second loan is whipped out). #2 There are so many issues and problems that can come from being a beginner doing this process that the only property I would recommend you buying, until you have a few under you, is the vacant tax of foreclosure sale. You do not want to deal with tenants.
Please go and watch this process take place before you ever attempt this. It is fascinating and quite the education. I really would suggest a professional that has done this many times to be hired to do this with you.
You will probably, Not pick up the home you went there to bid on. But you have a good chance on picking up a good deal on one of the other homes that will sell the same day on you list. #3 Never bid on a property that you have Not Seen!
John Lewis
Realty Executives
... more
0 votes 12 answers Share Flag
Sun Dec 1, 2013
Brian Nguyen answered:
Unless you are a veteran seeking a VA loan or searching for a USDA property with a USDA loan, it will be extremely difficult to find a loan that doesn't require a down payment. If you are a veteran or seeking a USDA approved property, you should consider a VA or USDA loan because they both have 0% down payments. Otherwise, FHA is your best bet which only requires 3.5% down, but it must be your primary residence. Have you considered taking out equity in your other homes for cash? This can help provide you with a down payment for your next home. Either way, the best thing for you to do right now is to speak with a lender like myself that can help you with your options. I would be glad to speak with you to help get you started. Well I hope this helps! If you have any other questions or if you would like a loan, feel free to contact me. Good luck! Brian Nguyen Sr. Mortgage Banker Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 11 answers Share Flag
Thu Nov 7, 2013
Susan J Penn, PA,SFR,CDPE answered:
Move back in and short sale
0 votes 20 answers Share Flag
Sun Sep 29, 2013
answered:
Your income or assets, along with your credit score maybe more suitable for a different loan scenario.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 fax
kentuckyloan@gmail.com

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
http://mylouisvillekentuckymortgage.com

http://mylouisvillekentuckymortgage.com
... more
0 votes 15 answers Share Flag
Sun Sep 29, 2013
answered:
You must have an Approved Eligible DU findings in order to go higher on the dti. If it comes back as a refer on the DU findings, then you are capped at 41% on your dti ratio.

I have noticed with scores below 680 now that most people are getting a refer on the Automated findings thru Desktop Underwriting.

Good Luck.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 fax
kentuckyloan@gmail.com

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
http://mylouisvillekentuckymortgage.com
... more
0 votes 8 answers Share Flag
Thu Sep 5, 2013
Kevin and Julie McLaughlin answered:
I notice this question is from 2008... thankfully, we are in a rebounding market now -
0 votes 9 answers Share Flag
Thu Sep 5, 2013
Kevin and Julie McLaughlin answered:
There are good mortgage programs available - visit with a reputable mortgage lender to discuss your options.
0 votes 5 answers Share Flag
Thu Sep 5, 2013
Kevin and Julie McLaughlin answered:
Visit with your Realtor® to discuss the situation. You can back out at any time up to closing, but you may put your deposit at risk -
0 votes 16 answers Share Flag
Thu Sep 5, 2013
Eddie W. de Leon answered:
Hi Stephanie,
Income and Credit are the fundamentals of any loan. If you have no debt, how can one measure your ability and willingness to pay back on time? However, that in itself is not a deal breaker. Income is also very important. If you are not employed, how do you plan on making the monthly payments? Do you have at least 3.5% down payment should your FICO's permit?

There are many questions and its very dificult to answer your question without having the ability to ask you several other questions.

I would be happy to walk you through this. Feel free to call me directly at 949-777-2109 or 951-210-2101 cell. I would love the opportunity to answer your questions.

Respectfully,

Eddie W. de Leon
Senior Loan Officer
NMLS #238369
DRE Broker #01393751
www.linkedin.com/ln/eddiedeleon
www.facebook.com/LoansByEddie
... more
0 votes 6 answers Share Flag
Sat May 11, 2013
Trulia Customer Service answered:
Hi,

Niki from Trulia here. Wow good answer from Christine!

Just a little to add, it depends on how the listing was submitted to us, if the delete button will remove the listing from the site.

If we are receiving the listing data from a "feed" from another site, such as a broker site, then the delete button will remove the listing from your profile and your claim to the listing. You must update the listing status with the source site and allow sufficient time for the listing to be removed from Trulia. You can use the "flag" option in the listing to have it removed, again allowing time for us to receive the request and remove the listing.

If you manually submitted the listing then delete from the "my listings" page will remove the listing from the site.

Thank you for using Trulia for your real estate needs. Please feel free to contact us directly with any other questions by email customersupport@trulia.com or by phone 1-888-466-3501 Monday - Friday 7am to 4pm PST.
... more
0 votes 2 answers Share Flag
Sun Apr 15, 2012
Garrigus Real Estate answered:
You need to find an experienced short sale agent. Short selling would be the best option for you at this point.
0 votes 12 answers Share Flag
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