Applying for an FHA loan but wife has poor credit
My wife and I have a joint bank account. We’re currently applying for an FHA mortgage, but I’m the only one who will be on the mortgage app because my wife’s credit is poor, and I’ll be working...
Planning to buy a house but I can't afford a down payment
I have plans on purchasing a house but the issue is, I don’t have money for the down payment. I’m fully aware that getting a loan is still possible, but the monthly payment will be higher. Is it a w...
Any suggestions on what to do with my rental when my tenant leaves? Plan...
I currently have a duplex in North New Jersey. The tenant is about to move out within the year and I’ve considered selling the property and buying a house in a more affluent town in Northern New Jerse...
Not enough down payment for a new home until current house is sold
Hi, my family plans on moving from Phoenix to Orange County. They’re in their mid-thirties and they have a high paying job. They have a house with $360-410k equity. My family has several pets which me...
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...
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...
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...
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...
Selling my home in Cali and need info on approved detectors
I am selling my home in Cali and carbon monoxide and smoke detectors are required for the sale. Are the plug in detectors approved or do I need to buy the fixed ones? I have a few offers on the table an...
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