Financing in Santa Clara County : Real Estate Advice

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Reta, Home Buyer in Naples, FL
Reta answered:
I have a credit score of 830, but have a lot of credit card debt. How eligible am I for a home loan?
You make 90,000 and only pay 500 toward bills shows you aren't ready for a loan. You should be paying twice that or more to get your bills paid off. Also, your parents must not be able ... more
0 votes Share Flag A few hours ago Financing in 95134
Alexander Gr…, Real Estate Pro in San Jose, CA
Alexander Greer answered:
I'm a California resident, looking for a mortgage lender who will accept Canadian credit history to buy a home in California. Any suggestions?
Yes I would be more than happy to help you. I am assuming that you moved back to CA for work? And you were in CAN for work? For limited credit, all that is needed is three tradelines wh ... more
0 votes Share Flag Mon Sep 12, 2016 Financing in San Jose
shahmanish20…, Home Buyer in Norristown, PA
shahmanish2003 asked:
Question on loan program - 30 yr fixed or 10/7 yr arm At present, I have 30 year fixed loan on my primary residence (rate is 3.5). Getting good rate on 7 year arm.
What loan program is good if I want to rent out your property after 2-3 years?…
0 votes Share Flag Tue Sep 6, 2016 Financing in 94086
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
any bank or credit unions giving lot loan and thereafter construction loan in san francisco bay area? i tried fremont bank, wells fargo, heritage bank
I am doing construction loans and have several programs one only require 3.5% I am concerned because the loan limits are about $625000 in that area. But it sounds like were are close, t ... more
0 votes Share Flag Thu Sep 1, 2016 Financing in 95035
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
I need to find who the lenders are that do home loans for manufactured homes
Very few lenders lend on these, I am assuming it is on leased land. That is a very good deal in today's market for a mobile home on leased land.
If you own the land it is a different b ... more
0 votes Share Flag Wed Aug 31, 2016 Financing in 94043
Markzjordanz, Home Buyer in New York, NY
Markzjordanz answered:
Is 5% down payment possible for an house in range $900k-$1.2million
No credit check, 1 percent interest 30 year fixed, 4.5 proof of funds in which u can use vet status or 401k, the property has to be appraised at 350 k and up. 30 day close, 8037576801
... more
0 votes Share Flag Tue Aug 2, 2016 Financing in Sunnyvale
John Murr, Home Seller in Wilmington, NC
John Murr asked:
What does the NRCC & RCC do for the seller at 3% of purchase price of the home? Does any of this $ needed to cover any repairs that might be needed? As discovered by a home inspection and needed? Who pays for the repairs?
0 votes Share Flag Wed Jul 27, 2016 Financing in 95120
Tamishahelms, Home Buyer in Medina, OH
Tamishahelms answered:
Who has the best Jumbo rates (non-conforming) and reasonably quick underwriting?
Good information, I was fascinated by the facts , Does anyone know if my business might be able to grab a template CMS-40B form to type on ?
0 votes Share Flag Wed Jun 29, 2016 Financing in 94303
Randall Ortiz, Real Estate Pro in Sacramento, CA
Randall Ortiz answered:
I started a refinance with Quicken loans. It has been 7 weeks since the appraiser came to the house and no appraisal yet. Should I move on?
I'm a loan officer and I get refinances done very fast, closing in about 3 weeks. Contact me if you still need help with the refi.

Randall
NMLS 1224511
0 votes Share Flag Sat Jun 25, 2016 Financing in San Jose
Alexander Gr…, Real Estate Pro in San Jose, CA
Alexander Greer answered:
NEED EQUITY LINE OF CREDIT, original homeloan is 490K, the house is valued at 1.2 mil, 720 credit score, DTI is 64%, need about 100-200k,
I would be more than happy to help you with a HELOC.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Off ... more
0 votes Share Flag Tue Jun 14, 2016 Financing in 95050
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
Possible to get a home loan?
Pretty much a done deal, if you would like some coaching please call. I can only lend in California, so if you are out of state I really can't make any money on it, but I would be glad ... more
0 votes Share Flag Wed Apr 27, 2016 Financing in San Jose
Alexander Gr…, Real Estate Pro in San Jose, CA
Alexander Greer answered:
Need to get a loan on a home in an irrevocable trust for care for my mom in assisted living. Home is free and clear. Can any lender out there help?
I would be more than happy to help.

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-514 ... more
0 votes Share Flag Fri Apr 22, 2016 Financing in Palo Alto
Alysse Musgr…, Real Estate Pro in Coppell, TX
Alysse Musgrave answered:
What lenders do balloon mortgage?
With the exception of VA and USDA loans, a down payment is required for nearly every mortgage. Balloon mortgages are a thing of the past.


Don't Let Them Make a Monkey Out of You! ... more
0 votes Share Flag Tue Mar 22, 2016 Financing in 95120
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
I want to learn something.?Check see if there are lenders .
Hello Jewel, what are your fico scores? Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest i ... more
0 votes Share Flag Fri Mar 18, 2016 Financing in San Jose
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
Huge differences between Jumbo Loan (417k or greater) and a normal loan?
We can help you with the following:
1 loan up to $850,000 - 95% financing, no monthly PMI.
Combo 1st and 2nd mortgage up to $1,000,000 - 95% financing. No PMI
680 credit score need ... more
0 votes Share Flag Tue Mar 8, 2016 Financing in 95129
Info, Home Buyer in Houston, TX
Info answered:
FHA streamline vs regular FHA refinance
This is a question that requires a very detailed answer. Your best bet is to reach out to Home Loans For All. We send most of our clients to them and we send ALL of our Refi clients to ... more
2 votes Share Flag Sat Jan 16, 2016 Financing in San Jose
Freemanloanf…, Home Buyer in Phoenix, AZ
Freemanloanfinance answered:
Is there any stated income program available in San Jose, CA (Bay Area)? I'm looking for one urgently (need to close within 30 days).
Do you need a loan? Are you in debt? Do you want to start a business and need capital? Do you need loans or funding for any reason? Do you have a low credit score and you are Finding I ... more
0 votes Share Flag Fri Jan 8, 2016 Financing in San Jose
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
Cash-out refinance, more than 4 properties (5 total).
This is not cash out.
It is considered delayed financing and will NOT be a problem to get your cash back out.
You have six months from the time you purchased this home to get your cas ... more
0 votes Share Flag Tue Dec 1, 2015 Financing in San Jose
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
I own a house at San Jose, CA. It is the only house I have. I am a 63 years old man. I almost retire, and don't have any job right now.
A reverse mortgage would be a great idea, but you must live in the property in order for it to qualify for that type of mortgage. You post your question from NY and property is located ... more
0 votes Share Flag Tue Dec 1, 2015 Financing in 95132
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
What should I expect from a bank when I pay-off my financed home completely.?
Stephen: the lender should send a Reconveyance Deed to the county in which the subject property is located. They should also send you a copy of the original Note that states paid in fu ... more
0 votes Share Flag Tue Dec 1, 2015 Financing in Mountain View
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