Financing in Cincinnati : Real Estate Advice

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Patricia M B…, Real Estate Pro in Cincinnatti, OH
Patricia M Baxter answered:
Are there any local lenders able to do a conventional loan with a 669, 674 and 5% down? I have been told 680 is the minimum.
Not that I know of! Aren't you eligible for an FHA loan for sure? VA? USDA? If not you may have to look for a lease option while you fix your credit. I'll be glad to talk to you about p ... more
0 votes Share Flag Sun Apr 14, 2013 Financing in Cincinnati
Stephen Shie…, Real Estate Pro in Cincinnatiq, OH
Stephen Shields answered:
Finding a bank to do a HARP loan on investment property
Here is a link to describe the program and eligibility
0 votes Share Flag Sat Aug 23, 2014 Financing in Cincinnati
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
who knows a loan officer with a good underwriter that will get you approved in cincinnati, oh who specializes in fha loans?
Sandi Barrett Union Savings Bank 513-582-0898. She won't say how old she is but I think that she must have started doing loans when she was 2 years old as long as she has been doing the ... more
0 votes Share Flag Wed Jul 9, 2014 Financing in Cincinnati
James Gordon…, Real Estate Pro in Hamilton, OH
James Gordon ABR SFR SRS answered:
do it take 30-40 days to receive a commitment letter. i was preapproved for 225,000
Full commitment from going the time of going under contract on a property that sounds normal. A conditional commitment letter should be able to be provided sooner. The earlier it is in ... more
0 votes Share Flag Mon Nov 26, 2012 Financing in Cincinnati
Hermine Niesz, Real Estate Pro in Blue Ash, OH
Hermine Niesz answered:
Any hard money lenders finance purchase and rehab? I buy-hold-rent in Cincy. Looking for 1-3 years financing, and then to bank refy to payoff balloon.
I can email you a list of lenders that specialize in investments...will you have any down payment? Typically those loans are riskier and lenders want 15-25% down payment. I work with ... more
0 votes Share Flag Tue Oct 9, 2012 Financing in Cincinnati
Jennifer McG…, Real Estate Pro in Cincinnati, OH
Jennifer McGillis answered:
who could lend us money for a home since we lost ours from a job loss even though he has a new job since Feb.?
It is my understanding that there has to be 2 years of consistent work history to apply for a mortgage. I'm only a Realtor and I always refer those types of questions to my mortgage ag ... more
0 votes Share Flag Tue Oct 9, 2012 Financing in Cincinnati
Annette Levi…, Other/Just Looking in New York, NY
Annette Levinson answered:
Lender costs for an FHA streamline refi?
All lenders will charge the mximum allowed to process the FHA streamline refi.
0 votes Share Flag Thu Mar 27, 2014 Financing in Cincinnati
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
my wifes credit score is like 685. My middle is like a 555 high 600. She has no income, I am a vet on 100% disability through the VA.
First of all, thanks for serving!

Your first step, if you haven't already done it, is to visit your local VA office; they will help you with the procedure.
Being a Vet you should be ... more
0 votes Share Flag Thu Aug 9, 2012 Financing in Cincinnati
Fred Glick, Real Estate Pro in Mountain View, CA
Fred Glick answered:
FHA 203B with repair escrow for non-HUD REO?
You need to check with the individual lender. They can establish repair escrow requirements, but generally, the answer is no.
0 votes Share Flag Sat Jun 1, 2013 Financing in Cincinnati
Laura Feghali, Real Estate Pro in Stamford, CT
Laura Feghali answered:
how easy is it to do a 203k loan?
Hello Toomuddyboots,
I suggest that you contact another lender who has done 203K loans to explain the process and to determine if the property qualifies. That way you can better de ... more
0 votes Share Flag Fri Sep 20, 2013 Financing in Cincinnati
Justin Hansel, Real Estate Pro in West Chester, OH
Justin Hansel answered:
I live Ohio. I have about a 620 FICO score. I make 45k a year. I can put 10k down on a house we want for 130k. Can anyone legit out there help me.?
Hello, I am a Realtor in the Hamilton area and would like to help! You can email me details at and I will see what my lender can offer you as financing goes.
0 votes Share Flag Wed Jul 11, 2012 Financing in Cincinnati
Scott Godzyk, Real Estate Pro in Manchester, NH
Scott Godzyk answered:
Is homesteps the same as homepath loans?
Lori they are very similar, Homesteps is by and through freddie Mac and Homepath is through Fannie Mae. You can easily go on each web site and get a full description.
0 votes Share Flag Mon Dec 26, 2011 Financing in Cincinnati
Kevin Kasian,  in Ohio City, Cleveland,...
Kevin Kasian answered:
given the same 100k loan/sale price, credit score and so on, what is cheaper in terms of fees/pmi/umi, 203k streamlin or homepath in OHIO
The costs will all depend on what lender you work with. Each program will have some different fees but not anything that should stop you from moving forward. I recommend calling me to ... more
0 votes Share Flag Sun Jul 29, 2012 Financing in Cincinnati
Shifali Rouse, Real Estate Pro in Cincinnati, OH
Shifali Rouse answered:
Mortgage preapproval and commitment letter from co in Cali, can I take it to any bank locally?
Hello Tobbent,

You can certainly take the pre-approval with you but I doubt it will help as each bank has their own set of standards and underwriters who will likely need to see all ... more
0 votes Share Flag Wed Jul 9, 2014 Financing in Cincinnati
Shane Milne, Real Estate Pro in South Jordan, UT
Shane Milne answered:
Should I refinance my mortgage? I have a tentative figure of new value that will be permanent in the fall. It's 32% less than current value.
The county auditor/assessor's value of your may not be your home's fair market value. It can be an indicator of which way your home values are going (if the auditor's va ... more
0 votes Share Flag Sat Jun 4, 2011 Financing in 45216
Jillybean, Other/Just Looking in Cincinnati, OH
Jillybean asked:
0 votes Share Flag Tue Apr 12, 2011 Financing in Cincinnati
BG, Home Buyer in Phoenix, AZ
BG answered:
Conventional Financing for Foreclosure Property?
stupid as it sound but it does protect the bank of "hidden" problems. Would you believe that they will not make a loan to you if the pool is empty ?

ask around for a conve ... more
0 votes Share Flag Mon Mar 7, 2011 Financing in Cincinnati
Trent Warner, Real Estate Pro in Cincinnati, OH
Trent Warner answered:
What are the most common mistakes people make while trying to obtain a mortgage?
Here is an article from Colin Robertson that gets us started.
0 votes Share Flag Wed Feb 16, 2011 Financing in Cincinnati
Douglas Katz, Other/Just Looking in Chicago, IL
Douglas Katz answered:
What has been your experience with Reverse Mortgages?
I like them. It is a great product for the right situation. There just seem to be a lot of objections to overcome based on an inherent suspician of the lending industry.
0 votes Share Flag Mon Jan 10, 2011 Financing in Cincinnati
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