Mortgage for disabled housewife
I am a disabled housewife in my 50s and I want to buy a home with my son but my credit is not that good. What can I do before we start looking for a home while I’m working on my credit?
Gordon, TX - Jan 7th 2022
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Do private lenders give better rates?
I am finally buying my first home this year and I would like to know where to source the best deal on getting a loan. A major bank in our area in Houston, TX is offering 3.125% for a 30 year term loan. ...
Is paying in cash the only way to close a deal?
I live in the SF Bay area and I’ve heard that if you don’t have “all cash” then you’ll likely won’t make it in the housing market, is this true? There are horror stories about a home being o...
San Francisco, CA - Jan 7th 2022
This question has not yet been answered.
Do I qualify for a home loan?
Hi everyone! I was wondering if I can qualify for a loan on a home that’s worth $450k. My credit scores are Fico 682, Experian 677 and Equifax 676. I have the following debts currently: Car loan - $9,...
Is it cheaper to refinance?
We bought a home 2 years ago on a VA loan. The interest rate is 3.75% with a 30 year term. The rates are around 3% now and I would like to know if it is a good time to refinance? I don’t know how much...
Is this a good deal or not?
My loan is currently with a lender at 3.625%. I got an email offering a refinance at 2.99% at $1.15M. Our home is worth between $1.5 to $1.6M and our income is at $515k. Credit scores are good and we ha...
No W2 applying for refinance
I have negotiated with several banks and they won’t cash out refinance a duplex I bought in my name and have owned for 7 years since I don’t have a W2 job since I got laid off due to the pandemic. T...
Investment condo in escrow
I have an investment condo in escrow located in Houston TX. The buyer was applying for an FHA loan but did not qualify because of HOA not meeting the FHA requirements regarding insurance. Any thoughts?
Condo that's not FHA certified
Real estate investor here asking if a cash out refinance for a rental condo is more complicated than a cash out refinance for a rental house? What if the condo association is not FHA certified? I don’...
Is refinancing better in my case?
My wife and I are self employed and have reached out to a lender to help us. We both have good credit at 700 plus so our agent informed us that we can possibly put down as low as 10% down. The interest ...
Short on buying a new home
I made an offer for a home worth $70k and it got accepted. I estimate rehab to be around $20k and ARV at $150k. I have a deal with a wholesaler and already sent earnest money as a deposit. The problem i...
Help with financing my real estate purchases
I own a rental property which is currently under a VA loan and I would like to refinance to a conventional loan to free up my VA loan to purchase my primary home. The property has around $200k in equity...
How do appraisers determine home value?
Hello everyone! I need help on how an appraiser adjusts home value. Is there a rule of thumb that they use to add or subtract value based on number of rooms? How many bathrooms? Do you have a fireplace?...
Question about credit scores
How can I determine the accuracy of my FICO score? My middle score is 679 with Equifax and I was informed that the cut off is 680. I have one credit card that is almost maxed out while all other revolvi...
How do I avoid credit pulls?
I’ve been busy with various businesses which consistently need my credit papers being pulled. Business has been booming and the consequence is getting my papers pulled almost weekly. I own several com...
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