Is there financing available?

Asked by Chrys Ruiz, Los Angeles, CA Wed Nov 20, 2013

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12
Brian Nguyen, Mortgage Broker Or Lender, Mission Viejo, CA
Mon Feb 3, 2014
One of the first steps in the home buying process is to speak with a lender to get a home loan. When you do apply for a loan, lenders like myself will need to look at several different things if you are trying to prequalify for a loan. 1) Proof of income for each person that will be on the mortgage which can be demonstrated through: one month of pay stubs, previous year's W-2 forms and tax returns, official documentation to demonstrate other forms of income (alimony, child support, etc.), and two year's tax returns if self-employed (all schedules, all pages) 2) Credit Report which they will pull 3) Employment History or Business Tax Returns if you're Self Employed 4) Personal assets such as: Recent balances and statements for bank accounts, most recent account statement demonstrating market value of any investments (stocks, bonds or certificates of deposit), documentation showing interest in retirement funds, face amount and cash value of life insurance policies, value of significant pieces of personal property, debt information, the balances and account numbers of your current loans and debts, including car loans, credit card balances and any other loans you may have. These are just a few things you should have ready when you begin your buying process. Well I hope this helps, if you have any other questions or need a loan please contact me through the information on my profile page. I hope this helps and good luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com
0 votes
Brad Korb, Agent, Burbank, CA
Sat Jan 11, 2014
Hi Chrystal !

Yes there are all kinds of loans available from F.H.A. with 3.5% down to conforming loans to Jumbo loans ! The rate today are fantastic ! Good Luck ! There are many Great lenders out there today ready to take Great care of you !
0 votes
Brad Korb, Agent, Burbank, CA
Sat Nov 23, 2013
Hi Chrystal,

Yes there are many choices for loans today ,ask your friends ,family & co-workers for some lender recommendations ,then you could meet with them & see which one you feel comfortable working with . Good Luck !
0 votes
Jim Simms, Mortgage Broker Or Lender, Louisville, KY
Fri Nov 22, 2013
If the borrower qualifies it is against the law for a lender to turn them down.

Jim Simms
NMLS # 6395
JSimms@cmcloans.com
Financing Kentucky One Home at a Time
I answer questions about financing real estate based on my decades of experience dealing with mortgage underwriters. This answer is my personal opinion, has not been reviewed or approved by the company I work for. I do not offer legal or tax advice, if you need answers from an attorney or CPA find one knowledgeable in your local market.
Web Reference:  http://jamessimms.com/
0 votes
Brian Sapp, Mortgage Broker Or Lender, Moreno Valley, CA
Thu Nov 21, 2013
Yes! If you qualify. Also:

Get a FREE APPRAISAL if you apply and fund your home loan through me* - this special is available starting 10/14/13 through 12/31/13 and can be used for purchase or refinance!

Click here for more information > http://www.briansapp.info/#!free-appraisal/c1d7b

*for California residents only
*restrictions apply (call or email for details)

Give me a call or email to get started

Brian N. Sapp
Wholesale Capital Corporation
866.812.8192
bsapp@wccloans.com
BRE#: 01170429 - NMLS#: 295420
0 votes
Shannon Chang, Agent, Arcadia, CA
Wed Nov 20, 2013
Of course! If you qualify! Have you spoken to a banker?
0 votes
Chris Carson, Agent, Sherman Oaks, CA
Wed Nov 20, 2013
None offered by the seller, if that's what you mean. This property would need to be financed through conventional lenders or private parties. Good luck!
0 votes
Josh Barnett, Agent, Chandler, OK
Wed Nov 20, 2013
Go over your finances with your lender and they will be able to help with this question.
0 votes
Thierry Abel, Mortgage Broker Or Lender, Corte Madera, CA
Wed Nov 20, 2013
Yes there is and we have plenty of it !
0 votes
Alexander Gr…, Agent, San Jose, CA
Wed Nov 20, 2013
Given that you havent provided us much more than a question the answer is yes.

Alex Greer
Loan Officer
NMLS #1056079
http://www.TheMortgageOutlet.com

408-352-5147
AGreer@TheMortgageOutlet.com
0 votes
Peter Reyes, Agent, Los Angeles, CA
Wed Nov 20, 2013
Hi Chrystal, please call me with your questions so I can guide you. I am licensed 37 years and I have an inhouse lender available for you. Peter at Keller Williams Los Feliz 323: 356-2879
0 votes
Elva Wormley, Mortgage Broker Or Lender, San Jose, CA
Wed Nov 20, 2013
Hi Chrystal,

What did you have in mind?

Elva A. Wormley
Mortgage Consultant
(408) 615-8500
elva@ewormley.com
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / BRE #01274093
0 votes
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