Katrina, You would need to refinance the property. The problem is that your mother may have needed you to do that, to qualify. I specialize in doing the hard to do loans if you want me to look at it I will try. My phone is 714-421-1037.... more
I would say the average is 90 days for most of my clients but many are from 30-60 days. It does depend on agent experience, where, price range, qualifications, loan program and the offer on the properties. It is best to pay your own closing costs within the rate with premium financing without asking for any seller concessions.
Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
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Yes of course and I highly recommend that you have an agent on your side as a buyer and not just go through the agent listing the house. This is your first purchase you'll need someone who can walk you through the process and make sure you understand all the details involved so there are no surprises.