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Financing in Honolulu County : Real Estate Advice

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  • Home Buying4
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Activity 22
Tue Sep 6, 2016
TENNISPROHOUSESELLER answered:
Your request is pretty common. I would use Inzopa to find the right mortgage professional for your situation. Often times it might be best to refinance both of them individually or just refinance one of them. It is hard to say without seeing your exact situation.

Inzopa has vetted mortgage professionals all over the country so that you can find the right refinance specialist. Take a look here:

https://www.inzopa.com/s/hawaii-mortgage-brokers-for-refinance

Good luck, Marlene!
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Fri Jul 3, 2015
Frank Diaz answered:
Be sure to ask the lender, the rules vary somewhat.

http://www.vba.va.gov/ro/cleveland/Allowable%20Closing%20Costs.pdf
http://www.benefits.va.gov/WARMS/docs/admin26/handbook/ChapterLendersHanbookChapter8.pdf



Aloha,
Frank
http://www.hawaiihome.biz/tag/va/
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Fri Mar 14, 2014
Jeff Howard answered:
Or you can just call the #1 Loan Officer in Hawaii and get all the information you need for USDA home loan approvals.
Check us out at https://jeffhoward.mannhawaii.com/ or www.facebook.com/jeffhowardhomeloans ... more
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Sun Feb 23, 2014
My NC Homes Team answered:
It depends if you've taken a new job but in th same field you've previously worked in you may apply immediately, if you're in a new job, in a new filed of work you're probably going to have to wait at least until you've got a few months in. Lenders are looking for a solid two year work history in general, though exceptions are sometime made and if you have the ability to work with a credit union they are often the most flexible. It cost you nothing to find out, simply speak with a lender and ask to be pre-approved.

You could also start by finding yourself a good buyer broker and ask them to suggest o a couple of good local lenders that they feel would be a good fit for you.
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Thu Oct 10, 2013
Brian Nguyen answered:
Since this is an investment property, it will most likely be around 20% down or more. The best thing for you to do is to speak with a lender directly. I would be glad to speak with you to help you get the loan that you need for your next investment property. 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 NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
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Sun Oct 6, 2013
gennadybelyaev asked:
Wed May 8, 2013
Frank Diaz answered:
Plenty. Rates seem to continually bottom out. Great time if you can qualify.
0 votes 2 answers Share Flag
Thu Apr 25, 2013
Frank Diaz answered:
Why not have a Canadian bank refinance it?
Are there any branches of US banks in that city or nearby?
0 votes 1 answer Share Flag
Sun Nov 11, 2012
Audrey Perez answered:
There is a great loan officer at Pacific Rim who came help you alot and answer all your Questions better her name is Suzanne Yumol. (808) 754-3180
0 votes 4 answers Share Flag
Mon Sep 10, 2012
Rosa Gomes answered:
Hi Jim,

Just got your email. Finding an Oahu lender for HARP 2.0 is tough however, I do have some mainland contacts that can help with a Fannie Mae. i'll send them to you shortly.


Rosa
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Mon Aug 27, 2012
Patrick Garcia asked:
Got the timely solution. A renovation loan will be able to help your seller move that property or the buyer to consider buying it. For additinoal details , call me at 808 450 4203.
0 votes 0 Answers Share Flag
Thu Jun 28, 2012
C. Moana Carreira answered:
Its very difficult to refi condo-tels in Hawaii. First of all, they prefer it has a kitchenette.
If not, you're pretty much not able to sell without it being a cash transaction. Hope that
helps. Aloha
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Fri Jun 15, 2012
Magicman answered:
I can probably help. I need some more details. Please contact me. George Beavin (808)521-9999
0 votes 8 answers Share Flag
Fri Jun 15, 2012
Magicman answered:
Depending on the Condo-Tel I can probably refinance at a lower rate. George Beavin (808)521-9999
0 votes 4 answers Share Flag
Thu Dec 29, 2011
Frank Diaz answered:
Contact Tony in Kapolei. He'll put you on the right track.

http://www.vanburenhomeloans.com/

A good source is IRS.gov for more information on the $8000 tax credit.
http://www.irs.gov/newsroom/article/0,,id=177937,00.html
http://www.irs.gov/formspubs/article/0,,id=203083,00.html

Aloha,
Frank
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0 votes 3 answers Share Flag
Fri Nov 11, 2011
Mkingery1 answered:
Thank you all for answering. It is our only account (out of 4) that ever gets overdrawn and never by very much. We will let our lender know tomorrow and see if she thinks is will not be a problem or whether we should get a VOD. My husband says his friend just got a home loan and had NSF charges every month. Alot of them can be explained as lack of communication between my spouse and I, or like the charges this last month, a miscommunication between a merchant and the bank. In the last two months there have been 5 NSF charges but I am still nervous that they will look at YTD charges. In the beginning I would put money into that account manually instead of auto pay and that resulted in a cont. neg balance in march and april. We finally switched it over and have had little issues other than the occasional forgetfulness on my part. With two boys I would hope they understand that it hasn't effected our rent or car payments or credit cards, those are always on time. The charges were for mundane things, not usually charging over 15.00. Still have knots in my stomach though, hopefully since UW hasn't happened if she thinks it will be an issue we can just go with a VOD for that account. ... more
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Tue Nov 1, 2011
Don Munro answered:
Owning property in joint tenancy means that the partners own equal shares. When one partner dies the other is automatically the heir But it is an inheritance. For the partner's share to pass to the surviving partner either, the estate of the deceased must pay off the loan or you agree to assume it or the lending compnay will file a lien.
The mortgage is on the property, even if it is only on the half owned by the deceased. Nevertheless the property is encimbered.
I am a Real Estate Broker and not a lawyer. So check this out with a lawyer but I believe this to be the correct opinion of this situation.
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Wed Jul 13, 2011
Shane Milne answered:
You can do a making home affordable refinance on a non-owner occupied home, so it's not too far-fetched to think that lenders would be willing to modify rentals. I suspect the rate they offer may not be as low as 3.125% though, which is one part of the reason they may be willing to modify. ... more
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Wed Oct 13, 2010
Christy Schwartz answered:
My company can do the deal up to 75% LTV as a rate/term refinance. Would this be going full documentation? I can get a rate for you in the low 5's possibly in the high 4's depending on income and credit. Can you give me a call or shoot me an email with some of the details?
877-288-8303 ext 325
cswathwood@proficiomortgage.com
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Thu Mar 18, 2010
Gerard Dunn answered:
A third party can be anyone OTHER THEN THE BUYER OR SELLER.
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