Financing in 94518 : Real Estate Advice

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Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, answered:
Possible to re-fi an investment property when my primary residence was foreclosed 1.5 years ago?
Hi BHarman,

Sorry, but if your investment property loan is a Conventional loan, you will have to wait 7 years from the recorded trustee sale date before you will be eligible to be ap ... more
0 votes Share Flag Fri Jul 6, 2012 Financing in Concord
Suzanne Look…, Real Estate Pro in Lafayette, CA
Suzanne Looker answered:
how does a non-owner occupied borrower finane a property if he has more than 10 properties?
I just closed one with a lender that was able to make it happen if the DTL values are there. I also have many hard money lenders available. Please contact me if interested.
Suzanne Lo ... more
0 votes Share Flag Thu Feb 6, 2014 Financing in Concord
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Buyer waiting on a BOA shortsale . Typically how long does an appraisal take? I have been waiting on a month. Is that normal? What's the next
If you are the buyer, are you waiting for your bank to appraise of the sellers bank to appraise the home to see if the short sale gets approved? If you are waiting for short sale approv ... more
0 votes Share Flag Sun Dec 11, 2011 Financing in Concord
Maria Morton, Real Estate Pro in Kansas City, MO
Maria Morton answered:
With BOA 20,000 incentive in FL does anyone know the hidden reason for not having an offer on the home to meet their requirement for shortsale?
Your question does not make sense. Please provide more information.
0 votes Share Flag Sun Dec 11, 2011 Financing in Concord
Don Tepper, Real Estate Pro in Burke, VA
Don Tepper answered:
My husband and I's credit is horrible, I owe about $4,000 in debt and my husband owes a school loan of $8,000 we want to purchase a home and fix
Good plan, except you've got it backwards. Fix your credit. Then purchase a home.
0 votes Share Flag Mon Apr 16, 2012 Financing in Concord
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Where do people with poor credit go for a decent mortgage. Thanks.
Your best bet is to meet with a local and trusted mortgage broker, they can prequailify you at no cost, they will look at your credit plus your financials and let you know if there are ... more
0 votes Share Flag Thu Sep 8, 2011 Financing in Concord
Michael Abram, Other/Just Looking in Los Angeles, CA
Michael Abram answered:
Do you know if mortagage available for 90% LTV investement home ?
Hello Rp,

Typically, any investment is going to require 20-25% down, depending on the loan amount, property type and other related items. I don't know any lenders offers loans ... more
0 votes Share Flag Wed Jun 22, 2011 Financing in 94521
Corey Grushin, Real Estate Pro in East Brunswick, NJ
Corey Grushin answered:
Trying to but a foreclosed home in CA, using CHDAP They are asking for a certificate of occupany, but none exists. Please help
Hhh a CO is required almost all lending institutions now-a-days. The institutions view it as an added layer of protection that the home is habitable and meets local codes. Sorry to he ... more
0 votes Share Flag Fri Mar 11, 2011 Financing in Concord
Dp2, Other/Just Looking in Virginia
Dp2 answered:
botched "lease to own" im now on title but not on the loan. owner wants to short sale to me. can i get a loan?
Although you intended to do a lease-option, you actually did a subject-to transaction instead. You're no longer renting; you actually own the home. The answers that you received ... more
0 votes Share Flag Fri Jan 14, 2011 Financing in Concord
Dave Sutton, Real Estate Pro in Portland, OR
Dave Sutton answered:
I have a Canadian resident client looking to purchase a property in Northern California. Are there any loan programs out there for this situation?
I don't think you need a special loan program. The key issue is the immigrant status of the borrower. Basically if he has a "green card" he can borrow pretty much like ... more
0 votes Share Flag Fri Mar 26, 2010 Financing in 94520
Erica Starkey, Real Estate Pro in Danville, CA
Erica Starkey answered:
Bank of America Appraisal Issues anyone
We have done an number of deals with B of A and haven't had any issues with appraisal. I would suggest your agent pull comps in the area and have them ready for the apprais ... more
0 votes Share Flag Thu May 1, 2014 Financing in Concord
Caden, Home Buyer in Concord, CA
Caden answered:
Lenders refusing GFE because of new RESPA rules.
My question got cut off: Someone had said that you could do that but I might have to pay for 2 appraisals. It seems unfair to me that you have to pay 300-500 just to select a lender.
... more
0 votes Share Flag Fri Nov 12, 2010 Financing in Concord
Brad Stoddard,  in Berkeley, CA
Brad Stoddard answered:
Can I get a conventional loan with 10%- 15% down?
The DTI for mortgage insurance is 41%, so that would be your biggest obstacle. You also need two months reserves. I'd be happy to talk to you and see if you preapprove for conven ... more
0 votes Share Flag Thu Feb 18, 2010 Financing in Concord
Christine Ha…, Real Estate Pro in Mentor, OH
Christine Hart Howlett answered:
I am in the process of applying for an FHA loan. I have good credit and average income, but have frequent NSF fees. How will this affect me when?
The NSF fees will probably not affect you, unless your bank has sent them to Collections. As long as you make deposits to cover the overdrafts within a day or two, you should be OK.
0 votes Share Flag Sun Sep 20, 2009 Financing in Concord
Vickie Nagy, Real Estate Pro in San Ramon, CA
Vickie Nagy answered:
Hassle-free pre-approval for Concord property?
Hello Happyscarpa,

I like Bank of America. They have a main office in Concord. My contact there is AJ Nisen. He helps a lot of my buyers.

You're probably going to want to go FHA d ... more
0 votes Share Flag Mon Jul 13, 2009 Financing in Concord
Peggy  Keegan,  in Fairfield, CT
Peggy Keegan answered:
Mortgage for Primary Residence
At the closing you will sign a document stating that you intend to move into the property within a certain time period (30 to 60 days).
Should circumstances change, you are expected ... more
0 votes Share Flag Sun Sep 28, 2008 Financing in Concord, CA
Dallas Texas, Real Estate Pro in Dallas, TN
Dallas Texas answered:
Making an offer - asking 50K back at closing?
Seller yes for a bank no GREAT question
0 votes Share Flag Wed Sep 24, 2008 Financing in Concord, CA
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