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Joy Goldbeerg's Answers


Lender needed for a investment property REFI
I have done a few of these properties with a portfolio lender with multiple single family homes on one deed. I will needier info. I am available all weekend long at 631-559-3586.Thank youJoy GoldbergAccurate Capital Corpwww.accuratecapital.comYour Source For All Types Of Mortgage Financing
Mortgage is under my name but house belongs to my brother. How can I get out of this nightmare?
I would not sign anything over to her or anyone else for that matter, if you do that you have NOTHING. at least now you own the home with your brothers , if you sign a deed over you own nothing and still are obilgated for the payment and it will continue to effect your credit report. I would really speak to your...
Orange County NY : FHA loan limit is less than property amount. What are our options?
There are some other options other than FHA with 5% down. please feel free to call me to discuss further . Joy Goldberg Accurate Capital Corp. 631-559-3586
I am looking to purchase an investment property. It costs $180,000. Can i get a LTV above 70%?
Yes you can. please feel free to call me at 631-559-3586. I am very local to you . I can be reached up till 10pm fory our convenience.Thank you Joy GoldbergAccurate Capital Corp
I rented my house for 11 months. Now I moved back in it. I would like to refinance but my banker wants to give me an investment property rate.
I would need some more details,please feel free to call me at 631-360-2151 to discuss in further detail. I am available from 9am- 10pm dailyThank youJoy GoldbergAccurate Capital Corp
when you refinance can you get a 30 yr mortgage, can it be conventional mortgage that can be paid off anytime with no penalties? I have a mortgage from december of 2013 @ 4.50% can I refinance at this time and would it be worth it.
I would need more info in order to determine if it would be worth it to refinance. I do have rates in the mid 3's, it just depends on other factors and what program would best suit you. there are no penalties on any of the loans, please feel free to call me to discuss this further to see if it is a benefit for you. I...
How long after a modification can i refinance into a fnma mortgage?
That would depend on a number of factors. Were you behind in your mortgage and you got the modification or you were not behind and did a modification. If behind was it due to the eccomony, would need to know, was it job related due to ecomony. There are a number of ways to approach this . please feel free to call...
For HAMP Modification, how rigid is the 2009 loan origination rule? We bought our house in 2010 but were told we may qualify because our mortgage is more than 31% of our income.
It may still pay for you if we are to lower your monthly payment. Please feel free to call me to discuss what we can lower your monthly payment to . I can be reached at 631-360-2151thank youJoy GoldbergAccurate Capital Corp
refinance
That should be fine. It doesn't matter where your business is. Please feel free to call me to discuss this further at 631-360-2151Thank youJoy GoldbergAccurate Capital Corp
do VA loans have mortgage insurance
No they do not. They have a funding fee. please feel free to call me to discuss further your financing request at 631-360-2151Thank youJoy GoldbergAccurate Capital Corp
Best time to buy now or in the winter?
Mortgage rates can up and down daily . they are basically tied to the stock market, the bond. you are better off ownig then renting. pleaese give me a call to discuss your situation in further detail. i can be reached at 631-360-2151.thank youJoy GoldbergAccurate Capital Corp
Can I get a VA loan during retirement?
Yes retirement income we would be able to use even if you have been receiving only for one year, we would need a letter or verification which we would send out that would verify that you are to receive for at least 3 years. I am available to discuss which mortgage program would be best to suit your financial...
if I currently owe on a home improvement loan, what documentation do I need when applying for a mortgage?
if the account is on your credit report than you should be fine, you will need a payoff letter. call me with any new questions you may have at 631-360-2151Thank youJoy Goldberg

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