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Loan Talk for First Time Home Buyers

Jumbo Reverse Mortgage

Posted on: 08th Sep, 2014 03:15 pm
Home Value 1,000,000 mortgage 424,000 need 150,000 for medical. Is there any help ?
I would very much like to know the answer and where I might begin to search for a source
jameswilliamsny
Posted on: 08th Sep, 2014 04:22 pm
Hi James - a couple of questions - How old are you and what state/county are you in - Jumbo reverse mortgages tend to have lower loan to value limits but I cant check around without that info
With all loans the appraised value will be the biggest factor in determining how much you can borrow.

Brian

feel free to use info below
brian1
Posted on: 09th Sep, 2014 06:41 pm
Thanks for the response. In Tennessee. Born January 1952, age 62.
jameswilliamsny
Posted on: 10th Sep, 2014 09:05 am
Hi James
Using the info you provided I am afraid to say that the limit you can get using a reverse mortgage is around $335,000. The age is a huge factor and for reverse mortgages you are a young man - I am afraid that this is not going to be a viable option for you. You would have the equity needed to do a cash out refinance but that would mean a higher mortgage payment.
Brian Barnes
ENG Lending
Nationwide Lender
brian1
Posted on: 10th Sep, 2014 03:44 pm

refinance

Posted on: 04th Aug, 2014 11:25 am
how can I get the title on my charged off mortgage after bankrupty? and can I refinanced? why is the mortgage company who sold my mortgage still on my credit report?
Generally, when one gets a bankruptcy charge off, it is personal to the debtor. The bank keeps the security interest or mortgage in the property used as collateral on the loan. Therefore, the debtor is no longer personally obligated on the loan. But, once the bankruptcy is over, the bank can foreclose to sell the property for money to pay on the loan. .
Anonymous
Posted on: 14th Aug, 2014 09:41 am

Qualifying for a mortgage

Posted on: 16th Jul, 2014 05:30 pm
Hi

My wife and I are looking to buy a home! As of now we have 30,000 to put down and hoping to add another 10 to put down. I have a credit score of 690 and she has a score of 720. I owe 60,000 in student loans, I am making payments on one student loan and the other in forbearance. We have on car payment which is a lease and only other debt is rent what chance do we have qualifying for a loan?
You should have a solid chance - the student loans in forebearance may need to be looked at a little closer but nothing else stands out - The only way to know how much you could qualify would be to apply and ask for a preapproval - if you know the price range it can be donw based on that or just a general "how much can I afford" - If you need help let us know -

Brian Barnes
ENG Lending
National Lender
brian1
Posted on: 17th Jul, 2014 12:51 pm

mobile home title

Posted on: 15th Jul, 2014 02:11 pm
What do I do to get a mobile home title in my name, the last person never had it put in their name but yet signed the back of the title. I'm soooo lost on how to do this.
Thank u,
Pam
If I'm not mistaken, it all depends on the ruling of every state. Ask a local lawyer for this advice.
mgonzales
Posted on: 18th Jul, 2014 07:27 am

Home Equity

Posted on: 10th Jul, 2014 05:00 pm
Hello

I live in a home that my moms owns. It is free and clear and I don't pay rent. Can a home equity loan be taken out on the home?

Thanks
Lori
Hi Lori,

Yes, your mother or who ever is legally on title to the property could take a HELOC out on the property. What state is the property located in?
chris-gummerson
Posted on: 11th Jul, 2014 01:34 pm

mobile home and land

Posted on: 06th Jul, 2014 03:02 am
I bought this mobile home in1983 and I own the land it sets own. If I were too replace this mobile home with a permanent home ,does this count as first time home buyer?
Not sure - there isnt much benefit with a traditional mortgage for being a first time buyer - there are some regional grants but they are rare -
Getting a loan to build a home is going to be tough - they are just starting to come back - 99.9% of banks do not offer any type of construction loan

Good Luck
Brian Barnes
ENG Lending
50 States Lending
brian1
Posted on: 07th Jul, 2014 12:19 am

filed chapter 7

Posted on: 22nd Jun, 2014 04:50 pm
me husband filed chapter 7 and we has just been discharged, we both have credit scores of mid score being 650, but we are wondering will we be able to purchase after being off chapter 7 after a year if we increase our credit score.
The soonest would be 2 years after the discharge for any traditional financing

Good luck
Good Luck
Brian Barnes
ENG Lending
Nationwide Lender
brian1
Posted on: 22nd Jun, 2014 07:47 pm

house after death

Posted on: 17th Jun, 2014 03:35 pm
my mother left my daddy and re married she has died and she still owned half of my dads house will her current husband own half of my dads house.
Possibly - unless there was a will or agreement it would go to whomever your state considers next of kin -

Hope it works out
Good Luck
Brian Barnes
ENG Lending
Nationwide Lender
brian1
Posted on: 22nd Jun, 2014 07:45 pm

MONEY AVAILABLE TO LEND APPLY

Posted on: 05th Jun, 2014 10:46 pm
LOAN / MONEY AVAILABLE TO LEND AT JOSEPH AMIR INVESTMENT COMPANY.
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josephamir@blumail.org
Dear Joseph,

looking for a personal loan and or new Home Purchase loan

Have a good income and Job working on credit but I am need of a loan to purchase the home I am renting currently

working on improving credit score and trying to clean up credit accounts score is 539 and really could use a break on getting a loan please contact me to discuss how you can help
contact info Cell (813)-728-5302 email roger.shephard@trane.com
thank you
Anonymous
Posted on: 12th Jun, 2014 07:11 am

can i get a home equity loan on a paid for house in florida

Posted on: 28th May, 2014 02:09 pm
my mother died and left the house to 4 of us well everybody's dead and gone so how can i get a home equity loan to do repairs and rent the property out ,i live in alabama
Home equity loans are a lot more difficult to get these days. In fact, some lenders will not allow you to do this if there is no other mortgage on the property. You may end up having to refinance the property as a second home....pulling out only the money you need for your repairs.
eric1
Posted on: 29th May, 2014 02:03 pm
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