You have not asked any questions.
Jan
18
2012
Tejas – thank you for your question and for reaching out to me directly. As we discussed, in Montgomery County Maryland it is normal and customary to split transfer taxes 50/50 between the borrower and seller unless negotiated differently in the contract. As a 1st time homebuyer, your 50% share of the state transfer tax (.25% of the sales price) is waived by the state. If the contract was written with you the buyer paying 100% of transfer taxes as many builder contracts are, then the credit you are receiving from the builder will cover all the remaining transfer and recordation fees attributed to both you and the seller on the HUD1. It comes down to the way the contract was written and it is the settlement agents responsibility to make sure that your credit is applied in accordance with the written contract. Good Luck today with your settlement. Should you ever need any mortgage help in the future, please give me a call.
Eric Strasser
NMLSR# 111971
301.517.5434
Jan
17
2012
Dear Hartford County – Craig Coleman retired from Choice Finance at least 4 years ago if not a little longer. Rates are much lower than your 5.75% currently. 30 year rates are just under 4% with 0 points and 15 year rates are in the mid 3% range. We would need to learn more about your specific situation to determine where your rate options are. My lender fees are $714. I’m guessing if your equity is still in the 75% range and your credit score is at 800+, an appraisal will most likely not be required saving you that additional fee. Call me at 301.517.5434 to discuss your situation. I have access to Craig’s old files hopefully making the process more streamlined for you. Hope to hear from you soon.
Eric Strasser
3015175434
NMLSR#111971
Jan
5
2012
Thank you for your questions. Your primary residence is documented through a varity of means. It is traditionally the address printed on your drivers license, bank statements, paystubs, and tax returns. There are also verification methods utilized by the banks during the processing of a loan application that might identify a property as other than a primary residence when the borrower is suggesting it is. In these rare instances, you would have to provide supportive documentation as evidence it is in deed your primary home or the loan would have to be underwritten as an investment property (if the lender didn’t out right deny the application for misrepresentation). Staying with you current bank is no less a “hassle” than starting over with a new lender. The mortgage industry requires new updated documentation on all loan applications. There aren’t any shortcuts your current bank can take to make your life easier other than having your previous application on file with your social security number, birth date, etc. that you have to now provide to a new company. You’ll still have to give your old lender new paystubs, bank statements, lender fees, and escrows to set up a new loan just as you would a new lender. Unless you have a great relationship with a particular loan officer at your old company, test the waters on a new relationship. You might have a better experience and possibly better terms as well. Rates are great – you should move on starting your refinance now. I invite you to give me a call to learn what options you have.
Eric Strasser
301.517.5434
NMLSR# 11971
Jan
4
2012
Your question is a hard one to answer as I don’t know your entire situation. Any payment to your husbands credit cards will not affect his credit score immediately. I don’t know what bank you are working with so I can’t speak to their credit score requirements and if a score higher than 710 for your husband will make any difference in your rate. You should talk with your loan officer to better guage if this is going to make a difference. My guess is it won’t be a big difference on your rate either way. In the long run, paying down your debt might be wise if your credit card interest rates are higher than your savings account rate. You should always keep some amount in your savings for emergencies but might look at paying down your cards as well. You should talk to a financial planner about this. Mortgages usually require money in the bank for refinances to act as mortgage payment reserves in the case your income is interrupted after settlement. They want to be sure that you have the means to continue making your mortgage payments while finding new work. Again, you should talk with your loan officer to determine if your CHIP loan has such a requirement. Lastly, paying points might make sense as long as the monthly savings you are getting from the lower rate offsets the cost of the points to get the lower rate in a reasonable time period. For instance, if it costs you an additional $1000 for $10 monthly savings, your break even point is in 8.33 years. If you are moving in 5, this doesn’t make sense. In contrast, if the cost is only $100 and you save $10 per month, your break even is in less than 1 year giving you 4 years of savigns. Hope this is helpful.
Eric Strasser
NMLSR# 111971
Jan
3
2012
HARP loans are available for many homeowners. Your LTV, Credit Score, and zip code all fall within the guidelines for HARP. The big determing factor if your particular loan can be processed through HARP or not is if your current loan is owned by Fannie Mae or Freddie Mac. If you reach out to me directly, I can walk you through the HARP eligibility tools and discuss with you your refinance options. I look forward to hearing from you.
Eric Strasser
301.517.5434
NMLSR# 111971
Dec
30
2011
My friend Stu Hall’s suggetion to check with a title company is a great idea. He is also correct that lenders often over estimate the closing costs. You pay transfer taxes (actually they are recordation taxes on a refinance) only on new money in Maryland on your primary residence. If you currently owe $100,000 and your new refinanced mortgage is $105,000, you will only pay taxes on the $5,000 difference between your old loan and the new one. In Charles County, the tax rate is $10 per $1000 of new money. Your recordation taxes would only be $50 in this scenario. There are other closing costs associated with refinancing which might be lumped into the $3100 number you are inquiring about. Appraisal, credit report, underwriting, processing, title examination, settlement agent fees, and recording fees would also be charged amoung other potential items. $3100 might include your total closing costs rather than just your recordation taxes. Please let us know if we can share any further information or give you a competitive quote of refinancing. Rates have improved today from yesterday.
Eric Strasser
301.517.5434
NMLSR# 111971
Dec
30
2011
Thank you for your question this morning. Rates differ depending on what the loan is for. A purchase loan might carry better terms than a refinance which has better terms than a cash-out refinance. You don’t specify what the loan is for so I’ll make some assuptions.
It is assumed that this is a Purchase money loan with a 70% loan of $250,000. You are a 1st time homebuyer. Using your 740 credit score on a single family home in Cecil county, the 5/1 ARM is in the 2.75% range with 0 points as of yesterday.
Rates continuously move and are based on many factors. To obtain a quote specific to your individual situation, I invite you to call me directly at 301.517.5434.
Happy New Year and again thank you for your question.
Eric Strasser
NMLSR# 111971
Dec
19
2011
It sound like you need to clear up these medical debt items before you are going to have much luck getting the loan you are looking for. I understand the credit union only got as far as reviewing your credit before they informed you they wouldn’t be able to assist you. Unfortunately, credit is the first hurdle that must be jumped before a lender will be able to get you the loan you are interested in. Credit scores in the low 500 range do not meet the underwriting guidelines that lenders must follow regardless of how strong the rest of your application is. With knowledge of the medical issues pulling down your credit score, you should reach out to each creditor and payoff the accounts. Obtain a letter of satisfaction and retain this as proof you did pay the accounts in full. Have them also acknowledge in writing that they have reported the payoff to the credit bureaus and the accounts should be removed from your reports. If they follow through with this notification to the 3 credit bureaus, your scores and the likelihood of being able to refinance should improve.
Dec
19
2011
I invite you to call me directly to discuss your options in refinancing your VA loan. I can be reached at 301.517.5434.
Dec
13
2011
Hello, when going to a settlement, the buyer usally pays for the title search, etc. The title co is saying the seller, I live in MD.
I'm looking to buy. Do you give downpayment help? I have good credit but little saved
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I tried getting a loan from loaners and it say im accepted but it keep going to other loaners. I need help getting a loan.
I tried getting a loan from loaners and it say im accepted but it keep going to other loaners. I need help getting a loan.
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Speed Poker is known as a new poker online variance which dispenses with thinking about fastened conference tables and instead pools players into groups according to his or her's game and buy-in level preferences.[url=http://www.storemonsterbeatsbydre.com/]Monster Beats Sale[/url] This game works by combining players 5 at a time into a poker hand,Monster Beats Outlet and as soon as a player folds they are immediately put into another hand with players from their pool.Sale Monster Beats : http://www.storemonsterbeatsbydre.com/ This makes for a fast and entertaining poker game.with none of the 'dead time' between hands which is the norm in poker while other players make their choices.In order to beat Speed Poker games you will need to make adjustments.Since you will not have the time for making reads on individual players and situations.playing a 'standard' poker strategy can leave an individual vulnerable.Here are my 5 tips for beating Rate Poker Games: #1 - Position Becomes More ImportantActing after your opponents can be a huge advantage in any poker game.you get extra information on how they act following flop (for example) before you must put more chips into the pot.In the pooled-player game this is even more important.You need to make some assumptions about the ranges of hands opponents will be playing.and how they bet on each betting circle can slowly complete this picture.Vital when you do not have the opportunity read any one individual for long.#2 - Avoid Easily Dominated HandsHands which can be dominated include holdings such as Ace-Eight and King-Jack.With these hands you could hit the flop and still not know whether you are ahead or behind with the hand.For example your opponent could have an ace with a better side-card or a pair above the 8 - leaving a 70% underdog to win.When you have little information to go for (as opponents are coming and going quick!). long year acer trends show only 001 more acelenolysunci topics now pr2 in 2012
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Looking to refinance out of a hard money loan and place permanent financing on a two unit investment property in 20001 zip. Gross is a fully documented $14k per month and I have fair credit. I'm looking for LTV of at least 60%. No second mortgage on this property. Hard money loan term expires in July.
I have a customer who wants to purchase 6 unit investment property in Atlanta, Ga. Is there an FHA loan that only requires 15% down payment that we can apply for? All 6 units are fully occupied. Building is approx. 6 years old. Purchase price $330,000. Fico score 770.
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hello, just filled out online info, have home valued through appraisal at 38,000 would like to leave the table with at least 30,000 for home improvements and small debt reduction. The home is free and clear and all other bills are less than 400/month. I would like to fast track this loan. what are the options
Curent loan with Chase(held by Fanie mae), 220K -Ist 21K IInd, 240K(appraisal) 6.25 %,Escrow waived, loan self serviced by chase , 760+, 72k ( per year). Refinance offer by CHase 4.25 with 1/2 point + 2.8k closing cost under HARP, IInd loan Heloc to be subortinated only after reducing limit to 10k. Should I accept it in current market when rates are falling. Can any one help with it for better rates or should accept it as the best.
Curent loan with Chase(held by Fanie mae), 220K -Ist 21K IInd, 240K(appraisal) 6.25 %,Escrow waived, loan self serviced by chase , 760+, 72k ( per year). Refinance offer by CHase 4.25 with 1/2 point + 2.8k closing cost under HARP, IInd loan Heloc to be subortinated only after reducing limit to 10k. Should I accept it in current market when rates are falling. Can any one help with it for better rates or should accept it as the best.
Curent loan with Chase(held by Fanie mae), 220K -Ist 21K IInd, 240K(appraisal) 6.25 %,Escrow waived, loan self serviced by chase , 760+, 72k ( per year). Refinance offer by CHase 4.25 with 1/2 point + 2.8k closing cost under HARP, IInd loan Heloc to be subortinated only after reducing limit to 10k. Should I accept it in current market when rates are falling. Can any one help with it for better rates or should accept it as the best.
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We have an investment condo on Brickell in Miami. Bought in 2006, 20% down on a 40 year old interest only loan through BoA Fanny Mae at a 6% interest rate. The purchase price was 285000, current values are under 200000. Our tenant pays 1400 which covers the mortgage but not the $323 HOA monthly fee. We would like to refinance but BoA and Quickens wont do it as they say that Fanny Mae has a blockade on condo refinance. What can we do in order to get a shorter loan at a much lower interest rate? Are there any other lenders that would be interested?
We are considering building a house and are interested in the construction to permanent loan option. Are there any lenders that don't require at least 20% down payment for these loans? Our income and credit scores are both very good, but it would take us a while to save up 20% for a down payment. We're hoping to find a lender that only requires a 5% down payment. Thanks for your time!
I have a $665,000 mortgage, would like to refinance. I live in Randolph county NC, have a 780 credit score, but my dti is 47%. Are there any FHA loans that I would qualify for?
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I'm interested in purchasing a property for the land to build a off-campus student housing mix use building. Can the land be used as collateral or is there another way to approach the financing.
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Hi, I am buying a new construction home in Maryland, builder had agreed to give certain amount to closing cost. Now I am in final stage of settling and looking at the HUD statement I see they have included the State Transfer taxes that seller pays for the First time home buyers in the credit towards closing that we had agreed upon, is that right? After some research I learned the seller pays the state transfer taxes for first time home buyers in maryland, so can the builder claim this money towards the credit they had promised? Please help me , asap !!!
I refinanced with Choice Finance (Craig Coleman) many years back and I am looking at refinancing again. I have a $345,000 outstanding balance (home original price is $459,900 in 2006) at 5.75% and am thinking of a 15 or 20-year loan with 0 points. I have an 800+ credit rating. What is the current mortgage rate in HarfordCounty? Can get an estimate of closing costs?
We are a church planning to purchase land and build our church in Silver Spring. Please let us know the requirements to get qualified for e construction to permanent loan of close a a million dollars. My name is Seme Ndzana, member of the church building committee. My email is seme@africanindependent.com
Hello! My hubby and I are looking to build our dream home in Harford County MD. We have great credit and a great income. We just haven\'t saved money for a down payment. We have our VA certificate and were really hoping to find a bank that would allow us a no down payment construction loan. I know it is a long shot but if this isn\'t possible maybe some other ideas to minimize the out of pocket expenses???
If I want to refinance a property, what criteria can be used to determine or verify that it is my primary residence. Also, any advise on selecting which lenders to talk to? Historically, I\'ve stuck with the bank that I initially had the loan with (assuming it would be less hassle) and am feeling like it\'s time to look elsewhere, but no idea where to start? Don\'t want to talk to too many lenders if I can help it, but wondering if I might find better terms and a better fit by going elsewhere. Oh, my whole goal is to lower monthly costs. thanks!
I am trying to get a preapproval letter to purchase a home with a va loan. I have cleaned up my credit but my score is still low. 592. Is there anyone who will work with this?
Hi, I live and work in South Africa, I am looking to buy a second house in Atlanta Georgia area, I have a 20% down payment readily available. I will be repaying the loan with money earned in South Africa. I have a B1/B2 visa still valid to 2018. The loan amount is 200000 use. Please advise if you can help Regards Paul Kloppers
We are thinking about locking tomorrow so quick question. Is it better to keep money in bank accounts or throw it all at credit card? My husband has a high balance on his, Like 9200 with a 9500 limit. Its costing us a point with the chip loan we are using. I could throw like 500 now and next wk on it But would that help his credit enough to make a difference? My score is 722 his is 710. We are scheduled to close in late feb. also, the theory of buying down the rate...that something to consider if we are only staying in the house for less than 5 yrs?
Do any of you can work with me on HARP Loan, LTV 95%, 770, MD zip 21204. Please let me know soon
I live in charles county and im refinancing after buying almost 2 years ago. My bank is telling me i may have to pay a transfer tax of ~$3100. Is this correct?
What is your best rate on a no points/no fees 3/1 or 5/1 ARM? Property location: Cecil County, MD Credit score: 740+ Down payment: 30%+ Loan amount: $250k
Hi, I currently have a Fixed Rate FHA mortgage. Should my condo complex still be FHA approved if I am only interested in an FHA streamline option? Thanks!
Seeking no cost, under $250K, primary residence, value about $580K
I have some questions about refinancing my VA loan to lower my monthly payment.
HELLO MY NAME IS EBONEE BAKER AND I WAS TRYING TO BUY A HOUSE I WANTED TO SPEAK WITH A LOAN OFFICER BECAUSE I HAVE A FEW QUESTIONS REGARDING GETTING FINANCED THROUGH CDA CAN SOMEONE GET BACK WITH ME I CAN BE REACHED AT 410-497-2903 THANKS
I would like to refinance both my 1st and 2nd mortgage totaling 433,000. I am Carroll County MD so could I go conventional since it is below the Jumbo threshold. Median Credit Score 655, about a 96.5% ltv, would like to finance 30 years to lower payments and apply monthly saving to paying off high interest cards. What options exist? Would PMI have to be paid. I really don\'t have a ton of cash to bring to closing
purchased home in city of fairfax may 2010 with va loan....225,000 5%(SHORT SALE). In Sept 2011 I refianced with VA for 265,000 at 4.5% taking some money out (appraisel was at 365,000). I am looking into VA Interest rate reduction loan. Any info would be appreciated. I have the funding fee waived and am interested in the 6000 energy improvements.
Your website says there is no closing cost to refinance in Washington DC. Is this correct. I\'d like to refinance my property recently appraised at 658k(11/2011) outstanding mortgage $546k(1st $371K + 2nd $175K) what would the rate be and what would the cost be. Thanks.
Do you do loans to non US citizens, I would like to purchase USA property, would like to borrow up to 70% of purchase price. Ideally like to borrow 100000-250000. I am from Sydney, Australia.
My husband and I are planning to buy our first home. We will be using his credit and income. There are nine collection accounts on his credit report that we are going to pay off in the next couple of days. That will leave 2 collections that will remain on his credit report until we pay them in a few months. I tried to get a pay for delete with the collection agencies but they said no. These accounts will be paid in full. Will this better our chance to get approved for a loan? He makes a decent income. We have a car loan and 2 credit cards. We got a small personal loan from our bank to pay for the debts. Any advice will be appreciated.
I like to do 15 yr fixed ..currently I have 30 yrs...My home mortgage is $185,000 with home value of $275000. I am located in Lathrop California 95330. I am looking for best interest rates with zero fee refinance.
Hello. I am in the process of trying to buy a house in DE. I already found a house, and am under contract. The agreed sale price is $115,000. The previous mortgage company I was dealing with screwed me, after I already put money up for inspections and attorneys. My closing date is scheduled for 12/15. I have a credit score in the 635-645 range, which I was told is more then enough for a FHA loan. Can Choice Finance help me with my situation, and would we be able to meet my closing date. I already changed closing dates once.
My husband and I are looking to relocate to Delaware in late January to early February; We are currently living in Ohio. We would love to purchase a home rather than rent when we do move. We would be only putting the home in my husband's name due to my bad credit history. Now, his credit isn't where is should be either and that is where my main question lies. As of right now his highest credit score is 570. I have read that we would need at least a 640 to purchase a home. Can a loan officer help show us what we can do to help raise his score to get it where it needs to be or do we need to go to a credit agency? Also, are there loans that we can get with is low credit score? Any help on this would be great. Thanks
