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My mother-in-law became a real estate agent about 1 year ago. We listed our home with her then and it has been 10 months and we are getting discouraged.
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| Ilive in the albany,ny area------I need to sell asap.... |
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 House Flippers? |
Do house flippers have to pay a penalty tax or fee for reselling the house so soon, as opposed to waiting for, say two years?
Additional Details
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 FORECLOSURE: When do i have to vacate my house.? |
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tinnee | Do all mortgage companies privde 80/20 mortgages and if they do what are the requirements? |
How do I go about obtaiining one within the next 3 months. I beleive I have a great credit score |
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dajuan_n_only
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Tinnee, an 80/20 loan is a loan which will give allow you financing for 100% of the purchase price. Financers do this because it eliminates PMI or (Private Mortgage Insurance) Generally the qualification is having a 580 middle score. Feel free to visit http://www.justgetaloan.net/ you can get qualified for an approval within hours. If you would like any further information feel free to contact me at jfreeman@justgetaloan.net also you can call me at 866 530 7300 ext 7305 |
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Anthony M
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Every mortgage company has 80/20 programs. If you have a fico score I would suggest you speak directly with a bank for your financing. While brokers have have many different lenders at their disposal they generally are more costly because they have "broker fees" that are associated with your transaction. Most loan programs are credit driven so having a good score helps quite a bit. Another important factor in obtaining a loan is what is called your debt-to-income ratio. Simply put, this is determined by how much of your monthly income is allocated towards the sum of your monthly debt payments. You will also be required to have a 2 year history of employment in the same field, and 2 months reserves(mortgage payments) Sorry if that seems like alot of info, I'm a Mortgage Banker so I like to give people enough information to make a good decision. If you have any questions you can drop me a line as well. Good luck on your future purchase! |
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cjkloanguy@yahoo.com
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just about everyone offers them. you would still prob want 5000 for closing cost ect, but thats even easy to get wrapped up.
-cjkloanguy@yahoo.com |
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Justin
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Tinnee,
There are several options to purchase a home zero down. It all comes down to what you qualify for. If you have a high credit score and a decent financial picture, you should be able to qualify. There are several requirements, which will all depend on your situation. Work with a mortgage expert who will give you the right advice.
Oh, and by the way, mortgage lenders ARE banks... And, the big banks don't typically cater to those who need creative, 100% financing, like 80/20 programs. True, there are government FHA programs, but they are the same whether you go to a full-service bank or a mortgage-specific lender. |
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mortgage help
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I would think yes, all mortgage companies do provide them. You will need fairly good credit anytime you are borrowing 100%. Even with 100%, you will need $ for closing costs and reserves. I would try to get a credit from the seller for your closing costs. Most lenders will allow your reserves to come from a retirement account. To start the process you need to complete an application, and allow a Loan Officer to pull your credit.
help@choicefinance.net |
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Debi
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Do NOT get a loan through a mortgage company. That is for people with bad credit or in need of an unconventional loan that a bank can't offer. If you have not owned a house in the last three years, you are considered to be a first time home buyer. All banks have programs for you to obtain your first home with little or no money down. They also have loans that have interest rates that are below prime. I strongly reccomend that you attend a first time home buyers class. They are offered by housing programs, such as the Housing Allowence Project (HAP), in my state. The bank can also tell you who offers these classes. They not only give you information about loans, but about the entire home buying process. This is a big investment, don't do it without knowing everything you need to, you could make the biggest mistake of your life. |
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igi
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you can get 100% financing |
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Jim
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There are many options available for mortgages from 80/20 to nothing down, interest only to option ARMS and many more. Talk to a mortgage broker who has access to many lenders and mortgage options. |
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karrie r
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Mortgage's are all based on your credit score. If you have a credit score over 600 you can qualify for 100% loan. You also may want to check out other options than an 80/20. You can get a great rate on the first mortgage. The second can be as high as 14% in some cases. Countrywide home loan's offer's first time home buyer's a program that will allow you to have 100% in one loan. If you need any question's answered or want to find out info on where to attend a first time buyer class. You can email me and I can help you. karrie_ramel@countrywide.com |
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