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Financing in San Rafael : Real Estate Advice

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  • Local Info25
  • Home Buying38
  • Home Selling8
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Activity 9
Thu Jul 20, 2017
answered:
Not a problem with internet refinancing can be done from anywhere. If you want a low interest rate quote feel free to reach out anytime.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 12 answers Share Flag
Tue Dec 8, 2015
answered:
Absolutely not.
The only activities that are going to impact your property value for tax purposes are an ownership change. You will pay a transfer tax which will flag the county to reassess. ... more
0 votes 2 answers Share Flag
Tue May 15, 2012
Cindy Davis answered:
Absolutely, the FHA rate is veru close to the conventional rate. I agree, it's the time to buy!
0 votes 4 answers Share Flag
Mon Dec 26, 2011
Larry Martinez answered:
Hi Dee

2nd loans can usually be subordinated at a very small cost. An employer forgiveable loan should be no exception as long as the term is at least 5 years and the loan is recorded as a lien against the property. Even if it does not meet specific requirements, it is likely we can restructure your 2nd loan so it does.

An 800 score will qualify you for the very best rates as long as your property and income meet the lenders requirements.

Larry Martinez 415-258-1691. NMLS 256787 (Mortgage Loan Officer)
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0 votes 3 answers Share Flag
Tue Nov 10, 2009
Kelley Eling answered:
I have a really good listing at 6 Meadowcroft in San Anselmo that we just reduced the price on. Could be perfect for you:

http://www.kelleyeling.com/Nav.aspx/Page=%2fListNow%2fDefault.aspx%2flstFarmID%3d12144 ... more
0 votes 3 answers Share Flag
Mon Oct 26, 2009
Nigel Faulkner, CIPS answered:
Claire;
This is great start that your husband has a steady job & income for 12 years, and you have an independent contracting job where you income may vary from month to month. You credit score is a key component in helping you get a loan and the rate you pay for the mortgage is based on ths credit score, depending on the of the loan you want. There are amny types of loans that you need to understand the pros & cons of. Great news is you have 20% down this I will also help, but you will need addtional funds for closing costs, which include insurances and taxes with some other items.
I can certainly recommend you to an excellent mortgage broker with 20 years experience who is patient, this would be a good place to start, as soon as possible. In case you need to gather other funds or work on your credit score to get the best loan possible, and get pre approved. This is key, so you understand the numbers before you start your home search, so you both feel comfortable with what you can afford.
I am a full time agent with Frank Howard Allen live in San Rafael, know the market & would be happy to answer other questions, it is a great time to get into the Marin market as interest rates and houseing prices are very favorable for you. Look forward ot hearing from you.

Regards, Nigel
Nigel Faulkner
Frank Howard Allen
T:415 298 2485
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0 votes 8 answers Share Flag
Mon Aug 17, 2009
Patricia R answered:
Hello Adzling,
I am a mortgage loan officer for Bank of America in San Rafael, CA. How did you decide on your price range? You had stated that you can't document income. I work with a lot of self-employed people and being self-employed doesn't disqualify you for a loan. How much can you document? Do you file a schedule C and write everything off? Lenders are asking for tax returns for loans so your write offs may affect the adjusted gross income for you and your husband. When you are ready, you may call or email me for more information on what loan options you have for buying your first home. FHA loans allow higher ratios than conforming loans so if you are adamant about purchasing a home in the price range you stated. This might be an option for you.

You can reach me at (415)482-0420, ext 231 or by email: patricia.rufenacht@bankofamerica.com

I look forward to helping you answer your home loan questions.

Patricia

Bank of America Home Loans
1299 4th St, Ste. 502
San Rafael, Ca 94901
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0 votes 9 answers Share Flag
Wed Oct 31, 2007
Kelley Eling answered:
Mark Lachtman at First Capital Group. He can be reached at 415.485.1080 x11.
0 votes 5 answers Share Flag
Mon Apr 23, 2007
Sylvia Barry, MAS,CIPS,SRES answered:
Comparison Shop is always the key. But, the best deal also means a reputable mortgage broker who will deliver what he/she promises and who will give you the 'best' not only in terms of your immediate needs (getting the house), but also the deal that fits your long term goals. Get referrals from your friends or families. If you have a trusted Realtor, he/she should have a team of reputable mortgage brokers they work with, ask them if they have somebody to recommend. If you need help, just give me a call..... ... more
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