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...
What type of lender is the best? Bank, Private Lender, Credit Union?
In the process of looking for a lender and would love to hear suggestions. Do I pick a bank, broker, private lender or credit union? We are looking at a $500,000 home and I have $100k saved up for down ...
Applying for a USDA loan
I am now beginning the process of buying a home. I am leaning towards a USDA since they offer no down payment. I don’t have good credit and I have a few late payments 4 with capital one in 2020 and on...
Renovating my home and need cash
A few years ago I purchased a home with owner financing in Florida. Now that my home is almost paid off I want to get some cash from it to do some much needed renovations. Do I refinance or choose a cre...
Vet applying for a VA loan
I am a veteran planning to apply for a VA loan. I have a middle score of 560 and I plan to buy a home in Wisconsin. Are there lenders who would work with me even with low credit scores? I am willing to ...
Bank or Private lender?
There’s a duplex I want to purchase and turn into a rental property. There is a great demand for rentals in our neighborhood and I want to get into the game. Who has better rates and fees for investme...
Seller wants cash only
I’m new to real estate investing and I'm eyeing a property in Tampa. The seller wants cash only which I can’t afford right now. Is hard money lending an option? What do I watch out for to protect my...
What documents to submit for SFH vs Multi Unit?
What documents should I prepare when applying for a conventional loan for a single family rental compared to a multi unit investment property of 5 units or more? Do lenders ask the same data for both?
Working 4 years but with different employers and I am want to apply for ...
Hi, I’ve been working part time since 2018 and I’m graduating this fall of 2022. I have a full time job waiting but I’m thinking about enrolling for a masters degree. Will I be able to qualify for...
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