Financing in New York : Advice

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Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
I own a 10 yo small IT business and Contract out. I have tax returns for those 10 years and my average income is 145K. Mortgage?
Since there are other factors involved in determining mortgage qualification, for a personalized answer visit with any licensed loan officer, all else is really just speculation; be awa ... more
1 vote Share Flag Sun Dec 28, 2014 Financing in New York
Phil, Home Seller in New York, NY
Phil answered:
2nd home question- I own a first home in Fl. Total piti is $1400 monthy plus $225 community dues monthly, no other regular monthly payments.
I just read that FHA cant be used for second/vacation homes, so same question with Fannie/Freddie which I believe allows up to 50% if "compensating factors"??? Thanks again.
0 votes Share Flag Tue Nov 4, 2014 Financing in New York
daniel.gonza…, Other/Just Looking in New York, NY
daniel.gonzalez answered:
Looking for a 90% LTV loan on a primary home in Suffolk County with a 950 purchase price. Excellent credit and enough income and assets.
Dear Russell,

Feel free to contact me at (516)299-8893 ext.6. Here at People's United Bank we can help you with that need.

Best Regards,

Daniel Gonzalez
Financial Services Ass ... more
0 votes Share Flag Sat Nov 1, 2014 Financing in New York
Krystyna Rac…, Real Estate Pro in New York, NY
Krystyna Rachtan, CNE, GRI answered:
How to renegotiate this deal?
Hello Simonhotchkin,

So well, that is a rather unusual deal for Manhattan, with seller financing.
You are saying that you are not sure if you got a good deal - we don't know eithe ... more
0 votes Share Flag Thu Oct 16, 2014 Financing in New York
Ernie Behrle, Real Estate Pro in Raleigh, NC
Ernie Behrle answered:
Can a graduate student get a mortgage?
I'll go on the positive side and tell you to check with a local mortgage broker. My daughter is a graduate student and gets paid by the college while working on a research program of w ... more
0 votes Share Flag Thu Oct 16, 2014 Financing in New York
Paul F.Marzo…, Real Estate Pro in Hackensack, NJ
Paul F.Marzolla (201) 957-6768 answered:
Looking for a Jumbo loan lender
Avi,

Unfortunately I don't know a single lender who would come close to offering 85% loan-to-value on a loan amount of that size. If you're credit is good I can offer you the mortgag ... more
0 votes Share Flag Wed Oct 1, 2014 Financing in SoHo
Yasua Hirose, Other/Just Looking in New York, NY
Yasua Hirose answered:
credit for start small business non u.s. resident
We give out any kind of loan, business loan, personal loan, Debt consolidation, Home improvements or a family holiday. reply if you are in need of one loan. yasuohirose7@gmail.com


... more
0 votes Share Flag Sat Sep 20, 2014 Financing in SoHo
Jhonny Polan…, Home Buyer in Newark, NJ
Jhonny Polanco asked:
5 % construction loans Any lenders doing 5 %down construction loans
0 votes Share Flag Sat Sep 20, 2014 Financing in New York
jafridi, Other/Just Looking in Chicago, IL
jafridi answered:
Is there any reason to avoid 'no-name' lenders when shopping for a home mortgage refinance?
No, there is no reason to avoid a "no-name" lender. There are over 7,000 mortgage lenders in the U.S. and most of them are not very well known by consumers. Just make sure you're workin ... more
3 votes Share Flag Wed Aug 20, 2014 Financing in New York
Elise Kimmel, Real Estate Pro in Weehawken, NJ
Elise Kimmel answered:
can anyone recommend a hard money lender in NJ or NYC?
The lender you choose should be extremely familiar with the property you are buying and the area. There are areas of the New Jersey waterfront that have had some litigations and your ... more
0 votes Share Flag Mon Aug 18, 2014 Financing in New York
Ron Rovtar, Real Estate Pro in Boulder, CO
Ron Rovtar answered:
How can I properly repair my credit in order for me to increase my approval to rent an apartment? What should be a good credit score to get an apt?
Hi Larnese:

A while back I pulled together a lot of information about credit scores from a number of sources. The scores include a lot of factors, so I would suggest you take a look ... more
0 votes Share Flag Thu Jun 12, 2014 Financing in New York
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Looking for a private lender in Ny.
I offer FHA loans down to a 530 middle credit score.

Let's discuss your loan scenario in more detail. Contact me at 800 315 8803. My name is Bart and I have been offering loans since ... more
0 votes Share Flag Sun Jun 1, 2014 Financing in New York
Veterans Rea…, Real Estate Pro in New York, NY
Veterans Realty Network answered:
Buying a home with a VA loan. Why are owners and brokers skeptical of funding?
An NYC's #1 VA Home Loan Specialist & someone who has worked with Veterans for 20 Years - what I can tell you is that Brokers & owners Have NO CLUE about the Program & How it works - Th ... more
0 votes Share Flag Tue May 6, 2014 Financing in New York
Sanjeev Ahuja, Real Estate Pro in Floral Park, NY
Sanjeev Ahuja answered:
American citizen, new to the country, have SSN but no credit score. 1M$ equity. Can I get a loan for real estate investment/ development?
I can help you in this situation. Please get in touch with me to discuss the details.

Thanks

Sanjeev Ahuja, NMLS #148731
Mortgage Broker
Home Funding LLC
110 Jericho Turnpike S ... more
0 votes Share Flag Mon May 5, 2014 Financing in New York
Elena Ravich…, Real Estate Pro in 10019
Elena Ravich Manhattan Expert answered:
Transfer Tax and Mortgage Transfer Tax, are they different?
Transfer tax is usually paid by the seller, unless you are buying directly from a sponsor. If you contract says seller is responsible, then you don’t have to worry about it. Your atto ... more
0 votes Share Flag Sun Apr 6, 2014 Financing in New York
Allan Erps, Real Estate Pro in 10954
Allan Erps answered:
Help understanding 2 very different GFEs
They will not honor the estimate most probably & sounds like Sun has done more diligent work. Believe the difference is paying one year of Taxes up front or the Transer Taxes you descri ... more
0 votes Share Flag Sun Apr 6, 2014 Financing in New York
Maria Cipoll…, Real Estate Pro in Coral Springs, FL
Maria Cipollone answered:
Chances of a mortgage
Get in touch with a mortgage broker, they have access to many banks, private lenders and different programs. He/she need to explore all your finance status and advice you properly.

B ... more
0 votes Share Flag Tue Jan 7, 2014 Financing in New York
Bart Gabe, Real Estate Pro in California
Bart Gabe answered:
Getting a Mortgage for a Foreigner in New York
It will depend on if you are buying residential (1-4 units) or commercial (5+ units) in addition to your status. Are you on a VISA, do you have a green card, or do have ITIN? Are you pu ... more
0 votes Share Flag Tue Dec 17, 2013 Financing in New York
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