Financing in 90001 : Real Estate Advice

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Tni LeBlanc, Real Estate Pro in Santa Maria, CA
Tni LeBlanc answered:
i need to find a Short Refinance expert / broker. Is there anyone who can help me? Does Short Refinance even work?
I do believe that these programs are offered directly from your own lender as it is essentially a restructuring of you own loan with principal reduction.

There are some programs th ... more
0 votes Share Flag Wed Dec 11, 2013 Financing in 90034
Myra Gouger, Real Estate Pro in Las Vegas, NV
Myra Gouger answered:
I am an Indian, employed in Rwanda. Can I buy a house in USA and will I get a mortgage loan?
It is extremely difficult for foreign nationals to get mortgage loans in the USA. Speak with a mortgage professional. I have had several people try to get loans and they could not meet ... more
0 votes Share Flag Mon Jan 3, 2011 Financing in 90007
Steven Ornel…, Real Estate Pro in Fremont, CA
Steven Ornellas answered:
on a counter offer,one of the conditions was escrow 60 day 3days.from a insurance point of view is their a better way to handle this.thank you joe
Hi Joe, Section two of CAR Form Purchase Agreement Addendum (PAA, Revised 4/08) was created to address the considerations when possession is delayed. I would highly recommend you cover ... more
0 votes Share Flag Sat Oct 16, 2010 Financing in Los Angeles
Jane Peters, Real Estate Pro in Los Angeles, CA
Jane Peters answered:
what does close of escrow plus 3 days mean?
This would depend on what it relates to. It is giving an extension of 3 days past escrow for something.
0 votes Share Flag Wed Apr 27, 2016 Financing in Los Angeles
John Walin, Real Estate Pro in Libertyville, IL
John Walin answered:
Large downpayment loan?
You can maybe collateralize those stocks, a lender can tell you the rules about non used assets better than me. good luck!
0 votes Share Flag Mon Oct 11, 2010 Financing in Los Angeles
Vince Lombar…, Real Estate Pro in Los Angeles, CA
Vince Lombardi answered:
Are there re-fi loans specially designed for self employed w/ good equity and solid assets?
There are very few "stated" income types for self employed borrowers any longer, but given decent earnings, good credit and a good loan-to-value you may qualify for a regular ... more
0 votes Share Flag Sat Oct 9, 2010 Financing in Los Angeles
Ray Fernande…, Real Estate Pro in Cerritos, CA
Ray Fernandez-Silva answered:
How much is too much on a 234K loan?
Most important item for you is : Points:

Second: You need a breakout of all the fees....ask for a complete gfe and than we can a wise consumer and shop around with proof on ... more
0 votes Share Flag Mon Sep 27, 2010 Financing in Downtown Los Angeles
BOB Khalsa, Real Estate Pro in Newhall, CA
BOB Khalsa answered:
I am getting a loan for 300,000; is it reasonable to pay 4,200 for Title Insurance Fees (Lender)?
No, it is too high. Shop around with different title companies. If you have gone through a Realtor ask your Realtor to get you quotes.
0 votes Share Flag Sun Aug 29, 2010 Financing in Los Angeles
can stocks and mutual funds and money in impound account count as cash reserve for refinancing.?
There's a percentage of stocks and mutual funds that lenders count as reserves. You'd have to find out the exact % from your lender. I've never seen impounds being counte ... more
0 votes Share Flag Fri Aug 27, 2010 Financing in Los Angeles
Gregorio Den…,  in San Diego, CA
Gregorio Denny answered:
How will Lender Paid MI points show on the HUD? Will it show as mortgage insurance premium or discount points?
First I must say that this is a conversation best had with your loan officer. But since you asked here, I'll take a stab at it.

If you considering LPMI, you will pay an increas ... more
0 votes Share Flag Tue Jul 27, 2010 Financing in Los Angeles
Deborah Brem…, Real Estate Pro in Los Angeles, CA
Deborah Bremner answered:
Are there any current homebuyer assistance programs in California for moderate income buyers?
Hi Rahmani;
A good place to start is the HUD website, which lists assistance programs by city. Your municipality may have a specific program that meets your needs. (see link below)
I ... more
0 votes Share Flag Fri Jul 2, 2010 Financing in Los Angeles
Chris Lyon, Real Estate Pro in Venice, FL
Chris Lyon answered:
I have filed bankruptcy and was discharged on September 2008.I know FHA considers applicants after 2 years.

The first thing you should do is check what your credit score is now. If there are still negative accounts from your bankruptcy you will have tome to clear them up before Septe ... more
0 votes Share Flag Tue Jul 20, 2010 Financing in Los Angeles
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
My husband is going thru escrow and they asked for a copy of the canceled payroll check from his employer. But they will not provide it to him. Help?
Why won't they provide it? I suspect your husband isn't talking to the right person at his employer.

Another way is to contact your bank and get a copy of the deposited che ... more
0 votes Share Flag Tue Apr 20, 2010 Financing in 90011
Ramin Lavi,  in Los Angeles, CA
Ramin Lavi answered:
Need unbiased opinion on mortgage broker comments
Weho, the commercial unit you are purchasing will require at least 25% down as it is non owner occupied and will be an investment. Some realtors are not well informed with lending guid ... more
0 votes Share Flag Thu Apr 15, 2010 Financing in Los Angeles
Ted Canto, Real Estate Pro in Scottsdale, AZ
Ted Canto answered:
Are stated loans still available?
The only lenders you will find are hard to semi-hard money lenders. It is almost impossible to find a conventional lender. I do have such a lending source and the rate isn't that ... more
0 votes Share Flag Sun Aug 4, 2013 Financing in Los Angeles
Peter Stewart, Real Estate Pro in Indianapolis, IN
Peter Stewart answered:
Been approved for 85k but having a hard time finding a condo/townhouse in the Los Angeles area (Inglewood, Hawthorne, Gardena, Lawndale, Paramount,
Unfortunately in the lower price ranges it seems that a lot of buildings are not FHA approved. When lenders were able to do spot approvals the problem could sometimes be solved. But t ... more
0 votes Share Flag Mon Apr 5, 2010 Financing in Los Angeles
Charles Fitz…, Real Estate Pro in Carson, CA
Charles Fitzgerald Butler answered:
I'm a first time home buyer, four years at the same job but I'm an independent contractor... needs lender
I have several lenders and programs that I recommend to my buyers. There are programs available for first time home buyers can fit your situation. Give me a call or got to my website.
0 votes Share Flag Tue Mar 30, 2010 Financing in Los Angeles
Fred Glick, Real Estate Pro in Mountain View, CA
Fred Glick answered:
FHA owner-occupied loan, 4plex: must 1 unit be vacant BEFORE escrow closes, or can I evict so I can live there? LA, CA, non-rent controlled area. Thx!
The amount of fraud that occurred in the past from people going allegedly from a single unit of any sorts to a multi family has led the lenders to be positive that you are moving into t ... more
0 votes Share Flag Sun Jul 25, 2010 Financing in Los Angeles
Rudy McDowell, Real Estate Pro in Bloomfield Hills, MI
Rudy McDowell answered:
what license do you need to be a property manager for a Zero equity housing cooperatives in CA?

Apart from any other certifications or licenses required in CA, you will also need a realtor/real estate license. At least that's required here in MI.
0 votes Share Flag Sun Feb 21, 2010 Financing in Los Angeles
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