Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Financing in 89135 : Real Estate Advice

  • All27
  • Local Info0
  • Home Buying18
  • Home Selling3
  • Market Conditions0

Activity 110
Wed Apr 17, 2013
Denny Hebibovich answered:
Hi talon.shelley, just responded to you a minnute ago... feel free to contact me directly below.

DENNY HEBIBOVICH - REALTOR
REALTY ONE GROUP, INC.
CELL: 702-241-6110
EMAIL: Denny@PropertiesofLasVegas.com
WEB: www.PropertiesofLasVegas.com
WEB: http://awp208099.las.mlxchange.com
... more
0 votes 5 answers Share Flag
Thu Apr 11, 2013
Randy Bridges answered:
Hi New Casa. No difference, just another name for tax. You do have regular tax on a quarterly basis paid by the mortgage company or the owner and the Transfer Tax or some call it a sales tax with the home is sold. ... more
0 votes 2 answers Share Flag
Thu Apr 11, 2013
Rena Levy answered:
In January, Fannie Mae and Freddie Mac refinanced about 97,600 loans through the Home Affordable Refinance Program (HARP), of which nearly half represented underwater borrowers, the Federal Housing Finance Agency (FHFA) reported Tuesday. thats mean 47% of HARP Refis. for Underwater Borrowers.

Overall, since the program’s inception in 2009, more than 2.2 million loans have been refinanced through HARP. Of those loans, 1.9 million were for primary residences, while about 215,600 were for investment properties.

Each lender is different. You can call your mortgage company and ask for a loan modification.
You will be asked to provide the lender with information like income, current job, expenses and reason for hardship. You will have to qualify for a loan modification.

For more information you can call me at 702-612-7099 or email me at Rena@cvegashomes.com

Rena Levy
Broker/Associate
Certified International Property Speicalist
702-612-7099
Cvegashomes@gmail.com
Realty Executives of Nevada
... more
0 votes 4 answers Share Flag
Mon Apr 8, 2013
cbvegax answered:
I would like to add that we have been in contact with the VA and our latest response is the following:" You can assume the loan and release her from liability without using any
entitlement. That would be thru the holder of the note. Her entitlement
would still guaranty the loan but VA would not hold her liable for any debt
associated with that loan if the loan were to go into default. " but from what i gather... my entitlement and ability to purchase a home would be unavialble right?
... more
0 votes 5 answers Share Flag
Fri Jul 3, 2015
Myra Gouger answered:
There are only a few programs for foreign nationals. I think mostly, though, that as hard as it is to get these programs that you would be better off paying cash for the property, if you can. ... more
0 votes 34 answers Share Flag
Thu Mar 28, 2013
Eugene Prospero answered:
Kate:

I am a Lender from Las Vegas, NV...

The free credit report usually is not that detailed. If you want a detailed report, have it pulled by a mortgage guy that pulls the report from all three bureaus (Experian, Equifax and Trans Union).

It should cost around $19 to pull a married couple's combined credit report. That's what I charge but there might be cheaper ones there in FL.

Let me know how I can help!

Eugene Prospero
Mortgage Consultant
All Western Mortgage
702.324.2377
Eugene@LasVegasLoanSite.com
... more
0 votes 6 answers Share Flag
Mon Mar 18, 2013
Mike Kruse answered:
There are great programs and down payment assistance programs available. I am a licensed Realtor and authorized by Neighborhood Housing Services of Southern Nevada to discuss there down payment programs with you. Contact me directly at mike@lvhomesbymike.com or call me at 702.286.3434

Thank you,

Mike Kruse
VIP Realty Group
... more
0 votes 3 answers Share Flag
Mon Mar 18, 2013
David Rubinger answered:
That would be an "Energy Efficient Mortgage" that would give you credit for an energy efficient home. I am not a lender so for more details contact a lender of your choice or I can refer you to one of my lenders. let me know how io can further assist.

Dave Rubinge
(702) 683-9688
... more
0 votes 2 answers Share Flag
Mon Mar 18, 2013
Robert Adams answered:
No doc loans are a thing of the past from what I have heard.

Are you interested in selling at all?
0 votes 5 answers Share Flag
Thu Feb 21, 2013
Suzie Marquardt answered:
I have a great lender that can run the numbers. I don't know If she can do the loan but she is good. I have been using Dorothy for many years. I can't put her,contact information in this message. I have to follow the,rules. Feel free to contact me and I will give you Dorothy's contact information.
Thank You
Suzie Marquardt
Fahrnyteam@yahoo.com
www.LasVegasForeclosureHelp.com
... more
0 votes 5 answers Share Flag
Sun Jun 16, 2013
Your Solar Realtor answered:
FIRST HOME MORTGAGE
508.473.9500
401.487.3506
www.gofirsthome.com/keith_russell
Contact: Keith Russell
krussell@gofirsthome.com
0 votes 3 answers Share Flag
Tue Aug 13, 2013
Lizette Trujillo answered:
Hi,
If you had a short sale with lates in your mortgage you will need to wait 2 years to buy with a conventional loan with 20% down. If you only want to put 3.5% and use an FHA loan you will need to wait 3 years. There is another program if you short sold and never had lates. I understand most people went into short sale because they had defaulted in their mortgage but some people didn't and you don't have to wait to buy another home. If you had any more questions you can call me at 702-460-2196 or email: Liz.trujillo@rmsloan.com. Thanks ... more
0 votes 10 answers Share Flag
Tue Feb 12, 2013
Mike Hoffman7 answered:
Refinancing involves purchasing a new mortgage to replace an existing one. Traditionally it is done to take advantage of lower interest rates or to take equity out of a property. Currently it is a process by which a loan is restructured to create a more affordable payment. This can be achieved by extendeing the length of the loan with a lower interest rate and or having the bank forgive some debt or by consolodating multiple loans into one. ... more
0 votes 1 answer Share Flag
Thu Feb 14, 2013
Myra Gouger answered:
There is no recourse. Unfortunately, the bank can take as long as they feel like. When you owe the bank money, they want it right away. They will destroy your life with nasty phone calls and everything else. When you want service from them, however, the world could stop rotating on its axis before they will do something to move forward quickly to help you. ... more
0 votes 4 answers Share Flag
Mon Feb 11, 2013
Rena Levy answered:
To be able to qualify for a new loan, you will have to wait two years from the time of the short sale on your property. Three years for for foreclosure for owner occupied loans. If the short sale was completed without missing mortgage payments than you can qualify for am FHA loan immediately with 3.5% down payment and 96.5% loan to value.


Rena Levy
Broker/Associate
Licensed in U.S.A/Nevada and Israel

World-Wide Real Estate
"Bringing the world to you..."

Direct: 702-612-7099 U.S.A
Office: 702-992-7754 U.S.A
E-Fax: 888-433-4207 U.S.A
Israel: 03-911-9001 ישראל
Cvegashomes@gmail.com
Www.Cvegashomes.com
... more
0 votes 1 answer Share Flag
Tue Feb 12, 2013
Robert Adams answered:
I am sure there are some local L.O. experts that can help advise on this.

Best Regards,
Robert Adams
Broker/Salesman
The Adams Team at
Rothwell Gornt Companies
C:702-349-9175
O:702-932-8813
F:702-932-8826
RobertAdams@LVrealestateHELP.com
http://www.LVrealestateHELP.com
... more
0 votes 3 answers Share Flag
Thu Feb 7, 2013
Rob Flitton answered:
Absolutely. You can begin a high-quality search here ---> http://robflitton.com/search-the-mls/ ...... and if you need financing, begin here ---> http://robflitton.com/for-buyers/get-financing/ ... more
0 votes 8 answers Share Flag
Tue Feb 5, 2013
Mike Kruse answered:
Hi,
I am a Realtor not a loan officer but with that said, many mortgage companies have options available with unique situations similar to yours. Email me at mike@lasvegashomesbymike.com and I will be happy to get you in touch with a reliable mortgage company and I would gladly assist you in your home search.

Mike Kruse
... more
0 votes 9 answers Share Flag
Mon Jan 21, 2013
Steve Mikrut answered:
It means a 1st mortgage for 80% of the purchase price AND a 2nd mortgage right behind it, at a higher rate, for the remaining 20%. Essentially 100% financing.

The days of old :)
0 votes 5 answers Share Flag
Thu Jan 17, 2013
Robert Adams answered:
Shoot me an email and I will reply with the contact info for 2 lenders we work with.

Fyi a duplex or 4plex will be a residential loan. Over 4 units is considered a commercial loan usually requiring 30% down. ... more
0 votes 3 answers Share Flag
1 2 3 4 5
Search Advice
Search

Followers

687