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Financing in Victorville : Real Estate Advice

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  • Home Buying93
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Activity 9
Sat Sep 17, 2016
Brian answered:
I got my refinance. Because my loan wasn't reaffirmed, it had to go to the underwriter's supervisor for approval. Because I had 4 years of on time payment history, he approved the condition. Luckily that was the only doozie in the whole process. My loan went through, and since it is a new loan, it is naturally reaffirmed so it will help me build my credit. ... more
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Thu Jul 14, 2016
Sportsed99 answered:
No one has a crystal ball, whether you're able to work or not. Unless someone has an employment contract that extends for a certain duration, we're all subject to finding ourselves without a steady income if something unforeseen should happen. Lenders must account for that, which is why they'll look at your length of employment in your work history. I'd imagine the same would apply to disability insurance. A 12-year history should play to your advantage, though they'll want to examine as much documentation as you've got. ... more
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Tue Mar 22, 2016
Sheryl Arndt answered:
Hello Keith, you may consider refinancing to a conventional loan once your BK is 4 years old and not have mortgage insurance otherwise FHA has MI for the life of the loan. You may consider refinancing and getting some cash out and have a similar payment amount depending on the interest rate you have now and the high 3's we offer now on FHA.

It only takes a few dozen questions to qualify and go over your options. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
760-486-4225
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7
Under640FicoScoreLoans@gmail.com or HomeLoans4U@live.com
http://youtu.be/MrygA2_8fAY
http://www.trulia.com/profile/SherylArndt
... more
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Mon Aug 17, 2015
Anthony Lucas answered:
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Wed Jun 3, 2015
Elva Wormley answered:
Hi Brian,

Yes, you may be able to refinance your mortgage if you can document your payment history for the last 12 months with cancelled checks or a payment history from your lender. Please feel free to give me a call to discuss your options.

Best regards,

Elva A. Wormley
Mortgage Consultant
33+ Years Experience
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / CA BRE #01274093
... more
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Sat Jan 17, 2015
Elva Wormley answered:
Hi Brian,

The best option for you will depend on several factors. First, I would take into consideration your current interest rate and the terms of the mortgage. Secondly, I would compare that with taking out a conventional cash out refinance loan versus a home equity line of credit. An FHA 203k loan would be your last resort, in my opinion.

Please feel free to give me a call if you would like to discuss your options.

Elva A. Wormley
Mortgage Consultant
33+ Years Experience
Office (408) 615-8500
C2 Financial Corporation
2845 Moorpark Avenue, Suite 209
San Jose, CA 95128
NMLS #331981 / CA BRE #01274093
... more
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Thu Jan 15, 2015
Riccardo Wardlow answered:
Only two years, make sure you keep the items on your credit paid on time because lenders look at a bankruptcy as a fresh start and dont like to see lates after a bankruptcy.

Riccardo Wardlow
Sales Manager
NMLS 219402
Cross Country Mortgage
630-670-8266
323 546 8066

Specializing in Illinois and California
RATED A+ WITH THE BBB

*We do Conventional loans down to a 620 score
*We do FHA loans down to a 580 score
*We do USDA loans down to a 620 score (no money down)
*We do $100 down payment FHA program
*Unlimited Loan To Value refinances on Fannie/Freddie refinances (only on loans originated before May 31st 2009
*We do VA loans down to a 600 score
*We give free counseling on what needs to be done to improve your credit score.
*We do 203k loans down to a 640 score
*We do reverse mortgages
*We do JUMBO loans to 12 million
*Investment properties
*Closing loans in 3 - 3.5 weeks
... more
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Thu Aug 15, 2013
Alexander Greer answered:
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.

Alex Greer
NMLS #1056079
... more
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