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Financing in Estero : Real Estate Advice

  • All187
  • Local Info9
  • Home Buying80
  • Home Selling3
  • Market Conditions20

Activity 9
Thu Sep 11, 2014
Joshua Lerette answered:

I am licensed here in Florida and would be happy to assist you. Carrington Mortgage specializes in FHA financing. Our entire mission is to serve clients that otherwise may not get financing through other lenders. You can see our spotlight on Lifetimes Designing Spaces here:

Feel free to contact me and get started today.

Joshua Lerette - Sales Manager
Carrington Mortgage Services, Inc.

*550 Min FICO FHA/VA/USDA* *25 Day Close Guarantee* *Free Pre-Approval* *Industries Lowest Rates & Fees*
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Wed Aug 13, 2014
Robert Diersing answered:
I have an attorney who deals with such issues on a regular basis. If interested call me and I will provide you with the information. 239.771.2420
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Sun Oct 6, 2013
Margaret Hassani answered:
Many of the large banks are offering to refinance (100%) under the Home Affordable Refinance Program (HARP) program, without an appraisal. If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. Call any large banking institution and ask if they offer the HARP program.

Good luck!

Margaret Hassani
Broker, Lightning Realty
Innovation and Experience
(813) 766-1501
Fax (813) 443-0118
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Mon Jun 18, 2012
Cathy Hamilton answered:
Our office has several investors who would be more than willing to review your situation to offer you their best options. What price is the home you are considering, and how soon are you hoping to be in your new home?

Cathy Hamilton
Right Choice Realty
239-272-2897 Direct
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Thu Jul 29, 2010
James Gordon ABR SFR SRS answered:
Debra I would never let one of my buyers receive a quit claim deed on a property they were purchasing. All a Quit Claim deed does is to transfer the rights(quit their claims) that are owned in a property to another person. If there are no rights then none are transfered but the quit claim deed is still valid. ... more
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Fri Jul 23, 2010
Marc Comisar answered:
Did you ever see about getting qualified? Just wanted to check in and see if there was any progress.
0 votes 5 answers Share Flag
Mon Dec 21, 2009
Carl Ashton answered:
Absoluteley, US Department of Rural Development. There are income limits and property restrictions. The income is based on the total amount of income generated by all household members and the property must be located in an eligible area. Their a alot of areas that will do USDA, Estero is one that is USDA eligible. All we need is a 620 score and the requirements are higher than FHA 29/41 USDA wants to see 33/44 do the income needs are not as stringent.

Please feel free to contact me so that we can discuss your options.
Carl Ashton
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Tue May 26, 2009
Susie answered:
Thank you Frank. I have gotten so many different answers, and I just wanted to verify this with someone that actually has to calculate these ratios and determine gross income! Thank you again. :) ... more
0 votes 3 answers Share Flag
Wed Apr 22, 2009
Joshua Lerette answered:
Hello Susie,

The specific person you spoke to...does not know what they are talking about and I apologize for that person. Because you're combined loan to value (CLTV) is greater than 100% there will be some loan level price adjustments (LLPA). You are correct, LLPA's are either paid in discount points or they can be paid through an increased rate...but a 1.5% LLPA does not equate out to an increase in your rate by 1.5%. With 800 credit scores your rate should be still very competitive. If you would like to discuss your options further, you may contact me at any time to discuss your financing options further.
Joshua A. Lerette
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