Financing in Hoboken : Real Estate Advice

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Mariyaluci, Home Buyer in South Miami, FL
Mariyaluci answered:
what are the interest rates on construction loans?
Due to the U.S. economy and the existing home inventory in the banks portfolios over the last few years, U.S. banks were only offering purchase mortgages.

Cautiously, banks are begi ... more
1 vote Share Flag Fri Sep 9, 2016 Financing in Hoboken
thinz, Real Estate Pro in Allenhurst, NJ
thinz answered:
My mortgage broker won't let me lock in a rate until after they have issued a final mortgage committment.
You need a new mortgage company. You should not have to wait period!
TOm Hinz www.shortsaletosell.com
0 votes Share Flag Sun Jul 26, 2015 Financing in Hoboken
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
What do you think of an 80-10-10 loan?
The better option is lender paid pmi built into the rate. Then you can put as little as 10% down and also get the tax deduction.


Call me i can help get you closed.




Jose M ... more
0 votes Share Flag Thu Aug 15, 2013 Financing in 07030
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
Is 1500 Hudson and 1500 Washington in Hoboken "warrantable" properties for purposes of obtaining a mortgage?
Call me I can get you the financing.





Jose Martinez
Sr. Mortgage Consultant
201-406-6983
NMLS 307342
0 votes Share Flag Thu Aug 15, 2013 Financing in 07030
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
I'm shopping for a 30-yr fixed mortgage. Details below.
call me I can arrange the best rate for you.



Jose Martinez
Sr. Mortgage Consultant
201-406-6983
NMLS 307342
0 votes Share Flag Thu Aug 15, 2013 Financing in 07030
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
Mortgage - International Investors
Call me i can help get your Mortgage closed.



Jose Martinez 202-406-6983
0 votes Share Flag Thu Aug 15, 2013 Financing in 07030
Fritz Walter, Real Estate Pro in Milford, CT
Fritz Walter answered:
Mortgage for a F-1 Visa that will switch to H-1B in October
Acceptable Visa Classifications are: E‐1, G‐2, G‐3, G‐4, H‐1B, L‐1A, L‐1B and
NAFTA TN for your standard Fannie/Freddie loan. If you want to ... more
0 votes Share Flag Mon Jul 29, 2013 Financing in 07030
Denise F. Qu…,  in New Jersey
Denise F. Quinnette answered:
I'm looking to use a VA loan for my first place. Looking in Jersey city. my range is 250-325.
VA Loan 100 % financing;have to be 12 mo out though.Cannot rent it though;it has to be your primary residence.
If you already have a primary residence and are looking for a 2nd vA loa ... more
0 votes Share Flag Wed Apr 10, 2013 Financing in Hoboken
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
how do down payments suppose to look like?
Hi Latisha

Down Payments can vary. FHA provides a mortgage for 3.5%, that is the lowest.

Everyones down payment will vary. Call me I can consult you on whats best for you.


L ... more
0 votes Share Flag Sun Jan 27, 2013 Financing in Hoboken
Jose Martinez, Real Estate Pro in Hoboken, NJ
Jose Martinez answered:
can i borrow from a credit uniion and if so which is better bank or credit union?
You can borrow, from anyone. I believe if you find the right program, thats what counts.

Call me i can help consult you on your transaction





Jose Martinez
Sr. Mortgage Co ... more
0 votes Share Flag Tue Dec 27, 2011 Financing in 07030
Shawn Ryan R…, Real Estate Pro in Belleville, NJ
Shawn Ryan Rosa answered:
i want to borrow 10,000 to do some work in my condo new bath and some upgrades to the kitchen. I have not
consider fha203k program. money for repairs can be included in the amount you borrow to buy the condo.
0 votes Share Flag Thu Dec 8, 2011 Financing in Hoboken
Shawn Ryan R…, Real Estate Pro in Belleville, NJ
Shawn Ryan Rosa answered:
is it true that if you have more than one rental property yo dont qualify for fha?
fha loans are for owner occupants only
0 votes Share Flag Thu Dec 8, 2011 Financing in Hoboken
Shawn Ryan R…, Real Estate Pro in Belleville, NJ
Shawn Ryan Rosa answered:
I'm looking for a mortgage in Hoboken as a first time home buyer. I've received a few good faith estimates
state what the fees are - perhaps they are not as high as you think.
0 votes Share Flag Thu Dec 8, 2011 Financing in Hoboken
Shawn Ryan R…, Real Estate Pro in Belleville, NJ
Shawn Ryan Rosa answered:
Hello, I'm a first time home buyer and was curious what would be my best mortgage options. I plan on living in my condo for 3-5 years. Depending on
plans change. you may not live there for 3-5 years. it could end up being more or less. stay away from ARMs - they killed millions of borrowers over the past 5 years. 30yr fixed is way ... more
0 votes Share Flag Thu Dec 8, 2011 Financing in Hoboken
Shawn Ryan R…, Real Estate Pro in Belleville, NJ
Shawn Ryan Rosa answered:
How a construction loan is structured ?
money is advanced after each phase of constructed is inspected by a bank appraiser/inspector.
0 votes Share Flag Thu Dec 8, 2011 Financing in Hoboken
Bc, Home Buyer in Hoboken, NJ
Bc asked:
GFE Funds needed to close include deposit? The GFE's I am receiving from lenders all have a bottom line for Funds Needed at Closing.

Let's say that number is $40,000.

Does that $40,000 include the deposit I am giving…
0 votes Share Flag Sun Oct 4, 2009 Financing in Hoboken
Corey Grushin, Real Estate Pro in East Brunswick, NJ
Corey Grushin answered:
I'm getting conflicting information from mortgage brokers re: whether Hoboken is a declining market and
LTV/Loan Amount
Loan Purpose Units Max. LTV/CLTV Max. Loan Amount Min. Credit Score
Purchase 1 95%1 $417,000 ... more
0 votes Share Flag Fri May 22, 2009 Financing in Hoboken
Gaylepat, Home Buyer in Dallas, TX
Gaylepat answered:
FHA lending guidelines - offset carry with rental income
The underwriter will take the two year average of total rents minus total expenses (not including depreciation or amortization). Odds are a significant amount of your expense is in depr ... more
1 vote Share Flag Mon Feb 23, 2009 Financing in Hoboken
Bob McClure, Real Estate Pro in Walled Lake, MI
Bob McClure asked:
i've done low and high risk- complicated mortgages for over 14 years- i need a private lender to fund this.... purchase transaction in hoboken, n.j.....40% down payment.....new build- condo....owner occpd....sfr...out of the country income from husband- wife to live in ....purchase price appox. $750,000...serious…
0 votes Share Flag Tue Dec 2, 2008 Financing in Hoboken
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