RV unit or condo? Which is a better option?
I recently got an amazing job that isn’t stressful in a high cost of living small town in wine country. Rents are overpriced. Folks are getting $1k to rent rooms out of their own houses. My husband is...
Lender mismanaged our escrow account
Sadly, our lender has mismanaged our escrow account. We’ve given them a chance to fix it but to no avail. They sent the payment of our wind and flood insurance to the wrong address. The insurance comp...
We are done with renting and want to buy our new home
We decided to rent so we can work on our credit and buy a house of our own. The problem is, our landlord is losing his house and will move back into the house we’re renting and we have a month to move...
Feel stuck getting an FHA loan
Help! I feel stuck. I plan to buy a new home this Fall but my credit scores are not going anywhere. I currently have a mortgage, student loan and a car loan. If I get a credit card will it affect my cha...
What type of loan should II I get for a 4plex?
I am buying a 4plex with 3 residential units and a store front. Should I apply for a residential loan or commercial loan since one unit is commercial? This is my first time to invest and I want to get t...
Do I need a broker to help with pre-qualifying?
I am in the process of getting pre-qualified for a loan as a first time investor. Do I need a mortgage broker to help me out? What are the advantages of having one? I need someone who can help me unders...
What questions do I ask a lender?
I am a first time home buyer and I want to know what questions I should ask a lender. I’m investing in Maryland and I was wondering if there are first time home buyer programs that I can apply for. Ar...
Can we keep both our properties and buy a new one?
Hi, everyone! We own two fully paid properties in San Francisco. We are considering selling one of them to pay for a new primary home in Southern California. Is it possible for us to keep all properties...
How do I qualify for down payment programs?
I just came across 2 homes that caught my fancy. I plan to get an FHA loan soon coz houses are selling fast in our area. I’ve heard about down payment programs and would love to know how to qualify. ...
Are 40 to 50 year mortgages a good idea?
I was surprised to learn that there are 40 to 50 year mortgages being offered by some lenders. I thought a 30 year term was the longest one you could get. What’s the criteria for this and is it even w...
Do I have to wait 2 years to show consistent employment?
I worked out of the country from 2013 to 2017 then came back home to California and started working in construction from April 2018 to 2022. Last May, I went back to my old career and I have only a few ...
Will collection on our account affect our FHA loan?
We are scheduled to close on a new build this month with an FHA loan. The problem is, a collection in our account that has been settled and closed is not appearing on our credit report. Will this affect...
Applying for pre approval for a SFH in Cali or Florida
I am looking to get pre approved in Cali or Florida. I am in the market for a single family home with a budget of $350k to $500k and have enough for a 20% down payment. It will be my first home and I in...
Looking for lenders in Cleveland
I work with the Navy and am also into house hacking in Florida where I am assigned. I plan to invest in Cleveland and I am wondering if there are any good lenders who can work with me on this project. I...
Apollo Beach, FL - Jun 17th 2022
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Banks won't approve a HELOC
I have an investment property that I want to do a HELOC on but most banks won’t approve because I don’t reside in the property. What are my chances with credit unions? I heard that they are more len...
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