Financing in 53713 : Real Estate Advice

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Gail Rutkows…, Real Estate Pro in Town of Sun Prairie,...
Gail Rutkowski answered:
My family has to move for my wife's job and can't afford to pay our mortgage and rent.
You relocation is a hardship and there is the HAFA program (Home Affordabiity Foreclosure Altnernative) program that may be available for you. Talking to a (CDPE) Certified Foreclosure ... more
0 votes Share Flag Thu Apr 12, 2012 Financing in Madison
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I filled out a pre-approval application. The lender then pulled my credit and has ignored me for 3 months. Can I have the inquriy removed?
It sounds like the lender rejected the application, they are supposed to send a statement of denial to the address you listed on the application. I wouldn’t worry too much about ... more
0 votes Share Flag Thu Mar 8, 2012 Financing in 53703
Shane Milne, Real Estate Pro in South Jordan, UT
Shane Milne answered:
If we buy a house for 30k under assessment, can we get access to that 30k of equity to renovate?
After you purchase a home lenders usually want you to own the home for a certain amount of time, called "seasoning", before they will use an appraised value that was higher th ... more
0 votes Share Flag Wed Nov 16, 2011 Financing in Greentree
Jenmadison20…, Renter in Madison, WI
Jenmadison2011 answered:
Bankruptcy and home purchase.
PS - I should also add that I have very stable employment for nearly 3 years with the same company and my salary is $36k/year.
0 votes Share Flag Tue Jun 7, 2011 Financing in Madison
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
How does one qualify for financing after recently filing for bankruptcy?
Are you about to lose your house? Or, did that happened with the bankruptcy? What you will need to do is re-establish credit. If you have any credit cards that are still open, start to ... more
0 votes Share Flag Thu Dec 9, 2010 Financing in Madison
Chris Covalle…,  in Chicago, IL
Chris Covalle MBA, CPA answered:
We have an accepted offer on a $335,000 home in Madison however are finding difficulty in securing a mortgage. The issue is his credit score which
Hi Help, your best bet may be to look into securing the mortgage in your name only. Depending on the split of the $128K income and what your liabilities are on the credit report you ma ... more
0 votes Share Flag Thu Aug 19, 2010 Financing in Madison
Greg Knox,  in Cedar Knolls, NJ
Greg Knox answered:
Best way to get a low fixed mortgage rate with only a 10% down payment? Is PMI a good/easy option if I'm able to cancel it early?
You usually will be forced to keep the pmi in place for 12 months, but yes, it is a great option. Much better than FHA if you qualify (you don't lose the upfront mip).
0 votes Share Flag Tue Nov 10, 2009 Financing in Madison
Mark Gladue, Real Estate Pro in Madison, WI
Mark Gladue answered:
8k tax credit for unmarried couples, how does it work?
Just Looking,

Here is a link to all of the answers you will need. Have you found the home yet? If not, let me know how I can help. ... more
0 votes Share Flag Mon Sep 21, 2009 Financing in Madison
Luke Allison,  in Asheville, NC
Luke Allison answered:
FHA Loan Rates
Well, I can actually tell you that rates are currently closer to 5.25 and 5.5 than they are 5.8 - depending on your credit score. Your broker might have their hands tied because whatev ... more
0 votes Share Flag Wed May 27, 2009 Financing in 53719
Alan May, Real Estate Pro in Evanston, IL
Alan May answered:
IF a house is paid in full.... and you "refinance" to pay debt, when you sell are there penalities?
I'm not a lender, but it's my understanding, that unless the "refinance" loan you take out has some sort of pre-payment penalty, you should be able to simply payoff that loan at closing ... more
0 votes Share Flag Sat Aug 30, 2008 Financing in Madison, WI
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