whom can i approach for re-financing a commercial building?
Scotsmanguide is a great resource but since you are in Palo Alto I'm assuming the subject property is as well. It would serve you well to first seek out local commercial bank first. If you are well versed in commercial financing and you are ok with handing off your file and still able to make a point to...

Do we have to sell our existing home before buying the new?
Yes you will need to income qualify for both mortgages, unless you plan on renting the current home, you have at least 30% equity in the current home, and you can show that you have Landlord experience. Would be happy to review the numbers for you so you have a solid basis from which to make your decision. ...

On a reversed morgage do both husband and wife have to be on title?
Contingent upon what you want to accomplish. If one of you is not at least 62 of age it get a bit more complicated. But if you are both 62 or older you will both be on title. I need a better understanding of what you want to accomplish so I can advise you accordingly. Call or email me...714 276 1150 - tony...

What is the fastest closing times in CA
Closed loan in 7 days with full and complete financial package on single family home.

Can I qualify?
Yes you qualify for a loan amount up to 43% of your gross income which would potentially give you a max loan amount of $156,310. Call or email so we can discuss specifics and specialty programs that you might qualify for. tony.magtoto@hanafinancial.com 714 276 1150

is the homepath option good for a first timer with only ok credit
Yes but the issue will be finding a property of your choice in an area you are looking for. 670 fico will still get you an FHA loan assuming you have the minimum requirements. ..

Should I refinance or not?
Absolutely refinance the property and if you still want a low rate refinance into a 10 year fixed. Do not worry about your 2.75% rate that is what is says on your note but take into account the $612 a month and if you blend that into the current payment you're paying on 4.55% and your $612 is not being applied to...

Find a whole sale lender stand alone 2nd
There is only one real bank offering a stand along 2nd and it's for purchase money only. You need to be doing a bit of volume to be approved with them. TCF Bank http://www.tcfbrokerloans.com/rlu_Contacts.jsp. If you need a combo financing solution I can help you.

unusually high pmi rate?
That's actually not bad considering you will have a high balance loan amount. If you were using FHA you would be at 1.35% but there are other factors to take into account Debt To Income Ratio, Property Type. You can calculate you est. PMI Payment yourself go to all the PMI companies. Radian, MGIC, Genworth,...

I have a question about what type of loan to get when buying my home.
Fred what loan program will be strictly based upon what it is you want to accomplish. Every program has it's pros and cons but it all about your personal plan of action. Is the house you are considering going to be your long term residence or an interim residence. Is the money for your down payment readily...

do evictions count against me on my mortgage application
no we don't care unless it ended up on a default judgment and you owe a collection agency an outstanding amount. If you are going to use FHA financing you will have to pay off that collection. But if you have no residual amount to pay you are good.

Can I get a first time buyer loan for 5% or less down on a property that is not my primary, not a rental and not a vacation home?
unfortunately there is no loan for what you are requesting. Although I understand the circumstance you are explaining, the underwriter of any bank will not see it that way. You will have to bring in 20%, there are no 3.5% to 5% down for you unless you move now. You may want to consider the recommendation of...

looking for a 80% LTV refi loan in michigan. Credit on the mend, good equity in home, good job good income. C
Will simply come down to your credit score and income as all the other lenders have pointed out. You may be able to push your debt to income ratios above 45% if you have adequate reserves. You terms will also be contingent on what you are asking for - cash out or rate and term.

Hi what is the lowest possible down payment FHA will accept?
You are a bit short you will need $4550 on $130K purchase and you will need additional fund for your closing costs. You are perfect FHA candidate. Get your real estate agent to negotiate a seller concession to you so you save money on your closing. Thank You. " Where Answers are Straight - No Gimmicks, No...

Regarding second mortgage... Do you know anyone debt negotiator.. Regarding second mortgage?
Enter a replyWhat are you trying to accomplish? So I can refer you to the right resource. Are you trying to short the 2nd, strip the TD, what? here

My name is Mrs Lucy smith, i am from California USA, married, i have been searching for a genuine loan company for the past 3 year
Mrs. Lucy Smith, contact me so we can have a conversation about your concerns and you can determine whether or not my bank meets your needs. Have a Blessed Day.

Obtaining a commercial loan in Michigan - any lenders available?
I can help you but I need to have a better understanding of what you are trying to accomplish and specific about the property you want to buy. We will lend on commercial assuming the property is performing and stabilized. Feel free to contact me at your convenience.

10 year ARM
Yes, what are you looking for and what type of property are you trying to obtain financing on? Is this a primary residence or investment property?

Is the mortgage paid by mortgage insurance if the insured dies?
NO the mortgage insurance protects the lender in the event of a loan default. It does not benefit you other than helping you get a loan with a loan to value greater than 80%. If you are looking for a life policy specific to your outstanding loan balance look into Hartford Life Insurance for a term policy...

own a home mortgage free income social security and I work want to buy house in Florida reverse mortgage or home equiety
There are so many answers I could give you but I need a better understanding of what you are planning to do with the current property and what you are buying the Florida Property for. Call me if you want to discuss further.