Asked by Marc Perkel, 95020 • Wed Apr 8, 2009
Just about to close on a house and will need to scrape up a loan in the next 30 days. The way the deal looks is I'll be paying $207,000 with seller paying up to $12,400 in closing costs. House needs some work like termite gassing etc.
I'm looking for a conventional loan. I have 15% to put down. The home is a very good deal and should appraise for far more than the loan amount. My credit score is 741. I have no debt. Car paid for. Renting now and my payments (30 year) will be less that my current rent.
I am self employed and have been self employed for 30 years. (spam filtering business). I have tax returns, bank statements, recurring income data. (My income is subscription based).
So - where is the best place for me to get a loan and what should I know. To me "best" doesn't necessarily mean the very cheapest. I like something that is hassle free with bankers that are competent. I'm going to be moving to Gilroy California so local is a little bit of a plus.
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