Financing in Miami : Advice

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Yanoska Diaz, Real Estate Pro in Miami, FL
Yanoska Diaz answered:
Advice on the most advantageous types of loans to purchase owner-occupied multi-family?
The advantage will very much depend on your qualifications. Do you have sufficient down payment to qualify for any loan?
0 votes Share Flag Sat Jan 17, 2015 Financing in Miami
Clay Renoit, Both Buyer and Seller in Miami, FL
Clay Renoit answered:
Has anyone worked with HUD FHA 223 (f) to finance multi-family apartment buildings that need some rehab?
not good just to hard to be paid
0 votes Share Flag Fri Jan 16, 2015 Financing in Miami
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
What is the best mortgage for single family new construction loan?
New construction loans vary. If you are buying land, then building a structure on it - it's phases based loan (work done paid by the owner, then reimbursed by bank upon successful inspe ... more
0 votes Share Flag Thu Jan 8, 2015 Financing in 33176
Irina Karan, Real Estate Pro in 33160
Irina Karan answered:
What are recent values of popular ARM indexes?
Pretty good site for this info: http://www.armindexes.com/

The way buyers deal with the rates is less "margin + index = rate 5 years from now", and more money spent per month. Majori ... more
0 votes Share Flag Thu Jan 8, 2015 Financing in Miami
Dan Maza, Real Estate Pro in 33139
Dan Maza answered:
IS IT TRUE BANKS ARE NOT LENDING ON CONDOS? I WANT TO BUY ONE ON MIAMI BEACH, I AM APPROVED FOR CONVENTIONAL, I HAVE THE DOWN PAYMENT...
Hello Bryan

It is not true!!!
Banks are lending to US citizens and even legal foreign nationals with tourist or business visas.

Yes, the loans are at diff. rates and terms but t ... more
0 votes Share Flag Sun Nov 23, 2014 Financing in 33144
Mark Fisher-…, Real Estate Pro in New York, NY
Mark Fisher-Mortg Lender answered:
I want to buy a house, it is $275,000 plus $25,000 in renovation. Single Family. I would like to do a hard money loan but with amortization.
If I may ask why do you want to do a hard money loan?
You can do a conventional or FHA loan and finance the cost of repairs into the mortgage in most cases.
0 votes Share Flag Wed Oct 29, 2014 Financing in Miami
Mangquell M…, Real Estate Pro in Miami, FL
Mangquell M Hayes answered:
mortgage pre-approval question (co-signers and other options)
Call Alisha Hayes at The Mortgage Experts 305-652-9393. Tell her your credit score is above 580 and your income is a little over 20k. She will know what to do. Happy house hunting.
--- ... more
0 votes Share Flag Wed Oct 29, 2014 Financing in Miami
Jesse B. Luc…, Both Buyer and Seller in Las Vegas, NV
Jesse B. Lucero answered:
What is the minimum credit score required to get a mortgage loan?
With me it's 500Fico thru FHA

Hi My name is Jesse, it looks like I can help you go ahead and contact me. Just to tell you a bit about what we do here is some great information.

... more
0 votes Share Flag Sat Oct 25, 2014 Financing in Little Haiti
Jesse B. Luc…, Both Buyer and Seller in Las Vegas, NV
Jesse B. Lucero answered:
Looking for mortgage brokers or hard money lenders who deal with people who has high debt ratio.
Hi My name is Jesse, it looks like I can help you go ahead and contact me. Just to tell you a bit about what we do here is some great information.

GreenBox Loans, Inc. is a leader i ... more
0 votes Share Flag Sat Oct 25, 2014 Financing in Miami
Darryl001, Home Buyer in Albuquerque, NM
Darryl001 answered:
WHY IS IT SO HARD TO USE A VA LOAN TO BUY A HOUSE? EVEN WITH A DOWN PAYMENT, VA LOANS ARE NOT ACCEPTED
You are Absolutly right, I married a woman that is self supporting as a 911 dispatcher. The VA insist that her debt be counted as mine even though , I am not legally liable for her debt ... more
0 votes Share Flag Fri Sep 19, 2014 Financing in 33144
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
We are Canadians and would like to buy a property in Florida for investment. Can we get mortgage financing? What are the rules/laws for foreigners?
The "grass isn't always greener on the other side of the fence." We always advise our Canadian buyers to explore loan sources from both Canadian and US opportunities. Once given all of ... more
0 votes Share Flag Sun Sep 7, 2014 Financing in 33131
Bill Eckler-…, Real Estate Pro in Venice, FL
Bill Eckler-Florida, answered:
I am an Australian looking for Foreign National financing in Florida for myself and my clients. stephenm@loansaustralia.com.au
This post is over 4 years old........
0 votes Share Flag Mon Aug 18, 2014 Financing in Miami
brysonfinanc…, Home Owner in Heyworth, IL
brysonfinancialservices answered:
My credit is very bad but I'm desperate to buy a home. The short version is I ended up being a single Mom with ruined credit.
We are registered loan company based in Heywood, England, we understand the financial limit of the global economy in

recent years, and we can guarantee you a low cost loan within 48 ... more
0 votes Share Flag Mon Jul 21, 2014 Financing in Southwest Coconut Grove
Yanoska Diaz, Real Estate Pro in Miami, FL
Yanoska Diaz answered:
i am a UK national, looking to buy a property to buy and rent out. is it possible to obtain a US mortgage?
Great answers by Stephanie & Ann!

Personally I have worked with foreign buyers (one UK by the way) they have purchased all cash and then have secured a cash out refinance through HSB ... more
0 votes Share Flag Wed Jun 25, 2014 Financing in Miami
Andrew Liebe…, Real Estate Pro in Sunrise, FL
Andrew Liebenhaut answered:
ARE THERE ANY DOWN PAYMENT ASSISTANCE PROGRAMS OUT THERE?
There is a program that I use, that gives fha buyers (who meet the requirements) a 10k interest and payment free loan to take care of the down payment and closing costs on the home. Yo ... more
0 votes Share Flag Wed Apr 23, 2014 Financing in Miami
John Xavier, Real Estate Pro in Miami, FL
John Xavier answered:
Can one refinance after filing for bankruptcy?
Correct! Depending on the Lender two years is the average wait time to refi
0 votes Share Flag Sat Apr 19, 2014 Financing in Miami
Neil Sherry, Real Estate Pro in Boca Raton, FL
Neil Sherry answered:
Investment Property Heloc
Yuni:
Banks are not lending 600 credit scores especially investment properties....You may need a private lender mortgage!!! Call anytime to discuss 561-732-6376 561-732-6376 NEIL SHE ... more
0 votes Share Flag Fri Apr 11, 2014 Financing in Miami
Rosa Delany, Real Estate Pro in 33157
Rosa Delany answered:
Finding and Financing high-rise condos
Welcome To Trulia,


Yes, South Florida is hot with new construction and financing
may not be a problem because some Builders have their partner
In financing. Your challenge is ... more
0 votes Share Flag Fri Apr 11, 2014 Financing in Miami
Yanoska Diaz, Real Estate Pro in Miami, FL
Yanoska Diaz answered:
Anyone knows of mortgage brokers or lenders that deals with people with high debit ratio?
I am figuring you are aware of the issue because you already went through the approval process, correct? Where you given options by the mortgage broker in how to improve your DTI ratio? ... more
1 vote Share Flag Fri Apr 11, 2014 Financing in Miami
Yanoska Diaz, Real Estate Pro in Miami, FL
Yanoska Diaz answered:
Need clarification re how the 203K loan amount is based and cash out refi
Hello Debbie, it is best you consult a mortgage broker/loan officer to obtain accurate information. I recently met a gentleman that has closed 2 FHA deals for me if you like his informa ... more
0 votes Share Flag Tue Mar 4, 2014 Financing in 33137
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