Financing in Walnut Creek : Real Estate Advice

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Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
Down-payment assistance program for First time home buyer with higher income.
Hi, H:
There are several programs that may work for you.
Need a little more information on the size of your household and in what area are you looking?
If it is the Walnut Creek area ... more
0 votes Share Flag Sun Apr 3, 2016 Financing in Walnut Creek
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
On Zillow my house is projected to be worth more than double what I owe.
Hi Chris,
You can take upto 80% cash out on an owner occupied loan and do whatever you wish with the funds.
You should check with an accountant, but as far as I know, you are not goin ... more
0 votes Share Flag Sun Apr 3, 2016 Financing in 94596
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller answered:
Does anyone know of any lenders in the bay area that offer FHA mortgages at 580 with 10% down? (Fico 2 scores of 580, Fico 8 scores of 620)
This is a loan that will need to be manually underwritten. Most loans will use the decision of the automated underwriter. Once your credit score is under 610, FHA and VA are going to ... more
0 votes Share Flag Wed Dec 2, 2015 Financing in Walnut Creek
Margaret Pri…, Real Estate Pro in Lafayette, CA
Margaret Price answered:
I am interested in getting a loan on my co-op in Rossmoor.
HI, Getting a loan on a co-operative unit in Rossmoor from most lenders is difficult as the lender will always want the first lien position. Because of the way the co-ops are set up in ... more
0 votes Share Flag Fri Jul 3, 2015 Financing in Rossmoor
Jayne Combs,  in Danville, CA
Jayne Combs answered:
If I try to qualify with someone who may have too high a debt ratio, then try to qualify on my own, will the previous attempt be held against me?
No, in fact the loan officer that reviewed your file should have been able to tell if you could qualify without him. You do not necessarily have to go somewhere else if you are happy w ... more
0 votes Share Flag Fri Feb 21, 2014 Financing in 94597
Deborah Garv…, Real Estate Pro in San Diego, CA
Deborah Garvin answered:
canceling refinance application, am i responsible for any fees?
Tim, And, I would encourage you to contact Jayne for any future financing needs. Obviously, she not only knows her "stuff", but is ethically bound to doing it right...every ... more
0 votes Share Flag Tue Jan 10, 2012 Financing in 94596
Johnny Huang,…, Real Estate Pro in Walnut Creek, CA
Johnny Huang, MBA answered:
has anyone used a FHA 203 streamline loan? any advice? How did it work as far as the contractor bid/work go? Any reccomendations for a contractor?
Once you get your loans lined up, make sure you are obtaining insurance that allows the remodel. Some companies have underwritting guidelines on taking new business under remodel.
0 votes Share Flag Sun Sep 25, 2011 Financing in Walnut Creek
Gilbert Rich…,  in Santa Clara County, CA
Gilbert Richards answered:
How can I find a mortgage broker or bank willing to finance condos in $50-$60k in contra costa county?
The easiest way is to have your realtor call the listing agent and get the information first, if not have them get the HOA information and call directly.

Condos have multiple issues ... more
0 votes Share Flag Wed Mar 16, 2011 Financing in Walnut Creek
Kamal Randha…, Real Estate Pro in El Sobrante, CA
Kamal Randhawa answered:
Which banks or mortgage broker in contra costa county or bay area can finance the purchase of a condo in the $65k or below price range?
Hello Mike,

For financing, I always suggest you start with your bank or credit union, someone reputable for sure.


Please make sure you are working with a knowledgable realtor, ... more
0 votes Share Flag Tue Mar 8, 2011 Financing in Walnut Creek
Lisa Parin,  in Pleasanton, CA
Lisa Parin answered:
Has anyone done a "SHORT REFI ? '" not a short salef or a new buyer, but a short refi keeping the exsisitng owner in the property?
R. Monge
Oakland, CA
Submitted: 10/27/2010
My name is Rick Monge, I am an investigator with the Alameda County District Attorney's Office. My office has received several compl ... more
0 votes Share Flag Thu Oct 28, 2010 Financing in Walnut Creek
Adrian Hunti…, Real Estate Pro in SAN FRANCISCO, CA
Adrian Huntington answered:
Can someone tell me how to get the forms to do a Short Pay Refinance?
Cindi,

I see many Loan Modification Companies advertise Short Pay Refinances, but I have yet to see any of the Lender's offers such a program. I posted the question in order to ... more
0 votes Share Flag Sun Feb 7, 2010 Financing in Walnut Creek
Kyle,  in Scottsdale, AZ
Kyle answered:
Any lenders in my area can close escrow within 2 week. (Full Document-30 year conforming). It's a short sale situation. It's very
If you can get me a full loan application and income documents in one day, we can close in 2 weeks.
0 votes Share Flag Mon Nov 30, 2009 Financing in Walnut Creek
Brian LeBars, Real Estate Pro in Pleasanton, CA
Brian LeBars answered:
Remodeling Loan in present market condition
I'm not quite clear what Wells is saying. It sounds like they were just talking about an equity line possibly. The 203k loan is designed to lend on future value of the improvements. Ple ... more
0 votes Share Flag Sun Feb 22, 2009 Financing in Walnut Creek
Marty S,  in Irvine, CA
Marty S answered:
Just relocated to the East Bay Area recently
80/10/10 Loan still exist, as do Lender Paid PMI loans.

I am down in Orange County.

I am a mortgage broker. If I can be of further assistance, please let me know.

Martin Smith ... more
0 votes Share Flag Sat Jan 17, 2009 Financing in Walnut Creek
Steven Ornel…, Real Estate Pro in Fremont, CA
Steven Ornellas answered:
Canceling refinance application. Is my credit going to take a hit?
Hello again James, the trigger that "dings" your score is the action of pulling a new credit report outside of the 30 day period, nothing more. Having said this, there is such a thing a ... more
0 votes Share Flag Tue Dec 23, 2008 Financing in Walnut Creek
John and Dia…, Real Estate Pro in Brentwood, CA
John and Diana Case answered:
I recently receieved a GFE containing various fees from my mortgage broker for a conforming loan. Even though
Doug, my primary mortgage broker is in Walnut Creek. His name is Bob Cooley. I have been working with him for over 20 years and he is the best in the business. His office phone is (925) ... more
0 votes Share Flag Tue Feb 12, 2008 Financing in Walnut Creek
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