Financing in Sunnyvale : Real Estate Advice

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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
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
Alexander Gr…, Real Estate Pro in San Jose, CA
Alexander Greer answered:
I am applying a mortgage, the rate I get is 3.375% 7/1 ARM or 3.875% 30-yr fixed, which one should I go for it?
Fixed rate is much better. As a general rule of thumb you always want a fixed rate when interest rates are low and an ARM when interest rates are high.
0 votes Share Flag Mon Sep 21, 2015 Financing in 94087
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
Is jumbo loan a recourse loan in CA, no matter purchase or refinance loan?
The confusion on this comes from the fact purchase money firsts are automatically non-recourse. But remember so are all loans foreclosed on by way of trust deed.

With a notable excep ... more
0 votes Share Flag Sat Sep 19, 2015 Financing in 94087
Sheryl Arndt, Real Estate Pro in Woodland Hills, CA
Sheryl Arndt answered:
When I get prequalified/ preapproved on a Mobile Home loan for a certain amount, can I assume that I will get the same preapproved amount for home?
Hello Gdb94086, that is hard to say without knowing all the parts of the equation because the rate may be higher with mobile home financing. Your qualifications will be determined by yo ... more
1 vote Share Flag Tue Apr 21, 2015 Financing in 94086
Paul Davidson, Home Buyer in New York, NY
Paul Davidson answered:
CA First Time Home Buyer Credit
I believe this statement is correct. BTW, in case you need more info about first time home buyer credit, I found an editable PDF document in this link http://goo.gl/pdJ0LD. This site al ... more
0 votes Share Flag Thu Jan 22, 2015 Financing in Sunnyvale
Galia Taneva, Real Estate Pro in Sunnyvale, CA
Galia Taneva answered:
Is there anyone who can help finance my mobile home purchase? My credit score is 601 and the property is in a park.
See the link below. I also have not used this company but somebody in my area recommended them.
http://mh-loans.com/Mobile-Home-Finance.aspx They have options for credit scores below 6 ... more
0 votes Share Flag Mon Oct 6, 2014 Financing in Sunnyvale
Melchor, REA…, Real Estate Pro in Orange, CA
Melchor, REALTORĀ®, M.Ed answered:
Auto Loan on Student Via (F1)
Hi,

This is not the correct venue for auto loans. Consult the services of a bank.
0 votes Share Flag Fri Aug 1, 2014 Financing in 94086
Richard Litt…, Real Estate Pro in Fountain Valley, CA
Richard Littlefield answered:
I came to US in Mar 2013. Myself and my spouse income is 200K. Can I get loan with 10% down (not FHA loan). We have only 2013 W2.
Are you a citizen or do have a green card?

If you said yes to either it should not be a problem. We would want to be sure we can get a credit score, that is easy to make happen but i ... more
0 votes Share Flag Thu May 29, 2014 Financing in 94087
Juliana Lee, Real Estate Pro in Palo Alto, CA
Juliana Lee answered:
Have folks here had success getting lender to match rate/fees from competing offers?
If you are competing with other buyers to purchase a home your choice of lender will affect whether your offer will be accepted. Your real estate agent should be able to recommend a goo ... more
1 vote Share Flag Thu Oct 10, 2013 Financing in 94087
Kevin and Ju…, Real Estate Pro in Wildomar, CA
Kevin and Julie McLaughlin answered:
I have been paying MIP for 3 years on a FHA loan. I want to refinance (streamline FHA) Does my MIP start over for another 5 years?
FHA loans have MIP... you will start over if you refi
0 votes Share Flag Wed Oct 9, 2013 Financing in 94086
Rob Weber, Real Estate Pro in Lisle, IL
Rob Weber answered:
Hi, I am in contract to buy a house. I am trying to get the loan to close in time, however, due to some factors, it may not happen. I have the ability
As many have mentioned, this is called "Delayed Financing". You can do Delayed Financing with:

Fannie Mae
Freddie Mac

FHA and VA don't have "delayed financing" specifically but ... more
0 votes Share Flag Sun Oct 6, 2013 Financing in 94086
Robert Lei, Real Estate Pro in Cupertino, CA
Robert Lei answered:
Can I get a mortgage right after graduation?
Hi Helen,
Where did you end up buying?
0 votes Share Flag Mon Sep 30, 2013 Financing in 94089
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
is it OK to use multiple mortgage agents?
It's always a good idea to check out more than one lender to see what lender can best fit you and your situation. The problem is that fees that are required from you during the process ... more
0 votes Share Flag Mon Sep 30, 2013 Financing in Sunnyvale
Tony Lacy-Th…, Real Estate Pro in San Jose, CA
Tony Lacy-Thompson answered:
Is it possible to get a mortgage before I start work if I have debt?
Hi Christopher. Debt itself is not a barrier to getting a loan. In fact you NEED some debt! Or rather *history* of debt *and* history of repaying it to get another debt, i.e. a loan. I' ... more
0 votes Share Flag Wed Jan 9, 2013 Financing in 94089
Ruth and Per…, Real Estate Pro in Los Gatos, CA
Ruth and Perry Mistry answered:
Looking for a 2nd house in Sunnyvale,ca... I currently own (condo) in sunnyvale and want rent my property.
Hi Larry4ny:

The buck stops when you do not have a rental history for 2 years on your Tax returns nor can show
2 Rental check deposits, nor show any equity in your principal residen ... more
0 votes Share Flag Wed Apr 18, 2012 Financing in 94085
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
I have bofA FHA loan. Payed Mip for 6 yrs. Can I pay down mortgage to 20%equity then streamline refi with no appraisal?
"SO I guess I did not read the question correctly. My appoligies. Let me restate my answer, Yes you can pay down the mortgage to 20% and the MI would drop off, "

Sorry Rich ... more
0 votes Share Flag Tue Jan 17, 2012 Financing in 94086
Piperclara, Home Buyer in Fort Worth, TX
Piperclara answered:
what does FHA approved complex means? Where can I find the guideliness?
If you're looking to buy a condominium, the FHA doesn't just approve the condo, it has to approve the community too. For example, if 15 percent of the members are more than 30 days late ... more
1 vote Share Flag Sat Jun 25, 2011 Financing in Sunnyvale
C2 Financial…, Real Estate Pro in San Diego, CA
C2 Financial Loans answered:
can a mobile home be financed by a co-signer?
Unfortunately, that isn't the case with a manufactured home. You can have a non-occupant co borrower for other property types.
0 votes Share Flag Thu Feb 17, 2011 Financing in Sunnyvale
Ulli Rieckma…, Real Estate Pro in Los Altos, CA
Ulli Rieckmann-Fechner answered:
I am looking for local representation to do a Short Refinance. Within 45 min of Sunnyvale CA 94085. Please respond. Thanks
Hi Larry,

I work for Cashin Company Realtors and we have an 'in-house' lender at our offices. If you would like to speak to a very knowledgeable mortgage broker I can refer ... more
0 votes Share Flag Tue Oct 20, 2009 Financing in Sunnyvale
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