Financing in California : Real Estate Advice

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Charles Lee, Other/Just Looking in 90069
Charles Lee answered:
does anyone lend $ so I can buy land?
We lend about 55% LTV on California land.
0 votes Share Flag Mon Apr 1, 2013 Financing in Potrero
Emily Knell, Real Estate Pro in Huntington Beach, CA
Emily Knell answered:
Hi, Can anyone give advice on property investment in Long Beach,CA? I'm a foreign national, what requirements do I need to meet for a loan?
You could possibly get a loan from Wells Fargo. I know my own lender has a loan for you so long as you have a US Passport & of course, can prove your income.

I also may have a condo ... more
0 votes Share Flag Thu Jun 25, 2015 Financing in Long Beach
Michael Bard…, Real Estate Pro in Berkeley, CA
Michael Bardales answered:
Will lender give buyer a loan if a garage is converted into room without permit?
Possibly. They may require a larger down payment. I have a great lender who can help you with that. Let me know.
0 votes Share Flag Sun Mar 31, 2013 Financing in 94603
Thierry Abel, Real Estate Pro in Larkspur, CA
Thierry Abel answered:
Where can I find a super jumbo loan in CA with 90% LTV?
How much do you need?
Is this an Owner Occupied, Single Family Residence?
Purchase or Refi?
Credit Score
0 votes Share Flag Tue Sep 20, 2016 Financing in Laguna Niguel
carlos parra…, Real Estate Pro in Monrovia, CA
carlos parrague answered:
How long does a pre-approval last when buying a home?
Approval for what? A loan?
Assuming you have gotten a pre-approval letter, the property appraises at the sale price then the loan may take anywhere from 20 to 60 days for final approv ... more
0 votes Share Flag Tue Apr 2, 2013 Financing in Los Angeles
Carl Henker,  in 95928
Carl Henker answered:
Does anyone have some info about the %3 FHA Grant loan for first time homebuyer?
Here is a link to the California program. It is a DAP program used in connection with an FHA loan. It is not a grant that is forgiven you do have to pay it bank at some point. Find out ... more
0 votes Share Flag Thu Mar 28, 2013 Financing in 91390
Taj Weldon, Real Estate Pro in Tracy, CA
Taj Weldon answered:
I have poor credit (600-680) and 35K cash for a downpayment. Are funders available for me to purchase a home listed at about 80000?
Hi Axel,
Based on your score alone.I may be able to assist.

Please call me at your earliest convenience .

Taj Weldon
Re Agent
209-740-4176
DRE 01816152
Tywelldone@gmail.com
0 votes Share Flag Mon Apr 1, 2013 Financing in 94503
Robert Chome…, Other/Just Looking in San Diego, CA
Robert Chomentowski answered:
Can anyone refer me to a creative Mortgage Broker in my area?
I would be happy to talk to you if you would like.
0 votes Share Flag Mon Oct 28, 2013 Financing in Encino
Jackie Cuneo,…, Other/Just Looking in San Francisco, CA
Jackie Cuneo, Mortgage Advisor answered:
Are there downsides to a second mortgage beyond the higher interest rate?
This is the wrong question--the question should be, what is the reason you are considering a second mortgage?
1. Most seconds are put in place instead of having a higher first loan wit ... more
0 votes Share Flag Wed Mar 27, 2013 Financing in North Beach
Terri Vellios, Real Estate Pro in Campbell, CA
Terri Vellios answered:
Are there still people choosing to finance they're home when they are capable of paying in cash?
In todays crazy multiple offer market, if Buyers have cash they either decide to go cash or elect to make up appraisal difference if financing.
0 votes Share Flag Sun Mar 31, 2013 Financing in San Jose
Thierry Abel, Real Estate Pro in Larkspur, CA
Thierry Abel answered:
Any Hard money lender, santa cruz county, CA with 20% LTV for 1 or 3 year term?
The reason the bank claim Title so late in the process is because they cannot foreclose without sustained delinquency. This is why they don't immediatly "take the house back" when your ... more
0 votes Share Flag Tue Aug 6, 2013 Financing in 95006
Roswell Moore…, Real Estate Pro in Scottsdale, AZ
Roswell Moore, answered:
Fannie Mae/B of A/Credit Bureau Snafu
Hi Terri,

Sorry to hear about your situation. Your lender should be able to clear this up easily through the credit repository from who your credit report was originally pulled.

... more
0 votes Share Flag Sat Mar 23, 2013 Financing in California
Theresa Mack, Real Estate Pro in San Diego, CA
Theresa Mack answered:
How long does pre-approval last when trying to find a home?
It all depends on the lender but in my experience 60-90 days is pretty common.

If you'd like the a recommendation for some lenders who have great rates and closing costs feel free to ... more
0 votes Share Flag Sat Mar 23, 2013 Financing in Rancho Bernardo
Wayne L. Bro…,  in San Diego, CA
Wayne L. Brown answered:
Is it legal in California for a broker to be the buyer's agent and also the mortgage broker in the same transaction.?
In most cases, Yes, as long as it is disclosed. However, if you are doing an FHA loan, it is prohibited by HUD.

That said, some lenders frown on this, and as their own policy may no ... more
0 votes Share Flag Sat Mar 29, 2014 Financing in San Diego
Alina Aeby, Real Estate Pro in San Francisco, CA
Alina Aeby answered:
Looking for a lender who can do litigation condo <600 sq/ft.
Hi Rick,

Try First Republic Bank. They do finance condo purchases and refinancing in litigation buildings. However, they will ask for 30% down payment and the borrower needs to bank ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in San Francisco
carlos parra…, Real Estate Pro in Monrovia, CA
carlos parrague answered:
IS CHADAP ENDING SOON ?
Offers a deferred-payment junior loan of an amount up to three percent (3%) of the purchase price or appraised value, whichever is less. CalHFA's down payment assistance program is desi ... more
0 votes Share Flag Fri Mar 22, 2013 Financing in Los Angeles
Tony Grech, Real Estate Pro in Southfield, MI
Tony Grech answered:
I have a conventional mortgage. NOT owned by Freddie Mac or Fannie Mae. My mortgage is UNDERWATER. So, far no one has been able to help. Any help???
Unless your current lender would be willing to modify your mortgage, or unless you can bring money to closing, then you are probably stuck right now. Currently the HARP refinance progr ... more
0 votes Share Flag Tue Mar 19, 2013 Financing in 94015
Marielena Be…, Real Estate Pro in Chula Vista, CA
Marielena Beatie answered:
first time buyer for a house/modular home just simple 2 bedrooms my credit is good and 15k deposit around 89 thousand on area code 92139 any ideas??
John, Please send me your email and i will sending you pictures of several properties matching your request.
malebeatie@hotmail.com


Marielena Beatie
Realtor
SD Realty Excellence ... more
0 votes Share Flag Wed Mar 20, 2013 Financing in Chula Vista
Luis Ramos, Real Estate Pro in Chula Vista, CA
Luis Ramos answered:
first time buyer of a house 2 bedroom simple my credit is good and 13k deposit, in area 92139 any ideas?? I'm from Anchorage, Ak.
John,

Call Martha Gomez with Guild Mortgage. She will tell you exactly where you stand right now and what you may be able to qualify for. Her phone # is 760-594-4727. Best of luck ... more
0 votes Share Flag Mon Mar 18, 2013 Financing in Chula Vista
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