Comments for Real Estate Money Matters http://www.aboutcaliforniahomeloans.com/blog Informative articles regarding real estate and money matters Thu, 07 Aug 2008 18:46:36 +0000 http://wordpress.org/?v=2.3.2 Comment on Commercial Lending - Evaluating Income on a Commercial Property by What is a cap rate, and how do you calculate it? | Real Estate Money Matters http://www.aboutcaliforniahomeloans.com/blog/2008/02/26/commercial-lending-evaluating-income-on-a-commercial-property/#comment-204 What is a cap rate, and how do you calculate it? | Real Estate Money Matters Fri, 06 Jun 2008 20:35:04 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/02/26/commercial-lending-evaluating-income-on-a-commercial-property/#comment-204 [...] property, the FMV.  A higher cap rate is more advantageous to a buyer.  You can view my post on commercial lending to learn how to calculate the net operating income, or [...] […] property, the FMV.  A higher cap rate is more advantageous to a buyer.  You can view my post on commercial lending to learn how to calculate the net operating income, or […]

]]> Comment on FHA Loans Vs. Fannie Mae & Freddie Mac Conforming Loans by Chris Goulart http://www.aboutcaliforniahomeloans.com/blog/2008/03/20/fha-loans-vs-fannie-mae-freddie-mac-conforming-loans/#comment-149 Chris Goulart Tue, 13 May 2008 21:43:59 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/03/20/fha-loans-vs-fannie-mae-freddie-mac-conforming-loans/#comment-149 FHA loans are guaranteed loans, Fannie Mae and Freddie Mac loans are not. FHA loans also have some guidelines that are not as strict, along with some nifty qualification tools that Fannie and Freddie do not have. An example of this is FHA loans will allow for a non owner occupant co-borrower on the loan. So if a borrower does not qualify with their income, but their mother is willing to go on the loan with them, you can use the mother's income to help qualify. Being guaranteed through FHA makes the loans more attractive to investors. This helps with the liquidity issues that loans in general are having right now, and also allows for a buyer to purchase a home with less money down than many conforming programs offer. Hopefully this helps, feel free to contact me for more information. FHA loans are guaranteed loans, Fannie Mae and Freddie Mac loans are not. FHA loans also have some guidelines that are not as strict, along with some nifty qualification tools that Fannie and Freddie do not have.

An example of this is FHA loans will allow for a non owner occupant co-borrower on the loan. So if a borrower does not qualify with their income, but their mother is willing to go on the loan with them, you can use the mother’s income to help qualify.

Being guaranteed through FHA makes the loans more attractive to investors. This helps with the liquidity issues that loans in general are having right now, and also allows for a buyer to purchase a home with less money down than many conforming programs offer.

Hopefully this helps, feel free to contact me for more information.

]]> Comment on FHA Loans Vs. Fannie Mae & Freddie Mac Conforming Loans by patricia raquel http://www.aboutcaliforniahomeloans.com/blog/2008/03/20/fha-loans-vs-fannie-mae-freddie-mac-conforming-loans/#comment-127 patricia raquel Mon, 12 May 2008 19:11:14 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/03/20/fha-loans-vs-fannie-mae-freddie-mac-conforming-loans/#comment-127 I would like to know the diference betrween FHA and Fannie Mae and Freddi Mac loans. I'm still very unclear. thank you, Patricia Raquel I would like to know the diference betrween FHA and Fannie Mae and Freddi Mac loans. I’m still very unclear.

thank you,

Patricia Raquel

]]> Comment on About Hard Money and Private Money Lending by Chris Goulart http://www.aboutcaliforniahomeloans.com/blog/2008/04/20/about-hard-money-and-private-money-lending/#comment-150 Chris Goulart Thu, 01 May 2008 21:45:16 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/04/20/about-hard-money-and-private-money-lending/#comment-150 I will be in contact shortly to discuss this scenario with you. I will be in contact shortly to discuss this scenario with you.

]]> Comment on About Hard Money and Private Money Lending by Semi Paul Saulo http://www.aboutcaliforniahomeloans.com/blog/2008/04/20/about-hard-money-and-private-money-lending/#comment-126 Semi Paul Saulo Wed, 30 Apr 2008 19:08:15 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/04/20/about-hard-money-and-private-money-lending/#comment-126 I am looking for a $14,900,000.00 for a project in San Jose, California. In actually it is 32 units of Condominimum, with an MAI appraised at 24 Million Future Value. Everthing is in place and just needing some assurance through funding. That will be the inital approach. I have all the loan summary and executive documents to move forward on this particular projects. And, then on the other note if there is an investor that would be interested in a return of 100% for their investment. I am looking for $1,000,000 - $2,000,000 that is willing to invest on this particular projects. Thanks, Paul Saulo I am looking for a $14,900,000.00 for a project in San Jose, California. In actually it is 32 units of Condominimum, with an MAI appraised at 24 Million Future Value. Everthing is in place and just needing some assurance through funding. That will be the inital approach. I have all the loan summary and executive documents to move forward on this particular projects.

And, then on the other note if there is an investor that would be interested in a return of 100% for their investment. I am looking for $1,000,000 - $2,000,000 that is willing to invest on this particular projects.

Thanks,

Paul Saulo

]]> Comment on Home Ownership Accelerator Program by » Home Ownership Accelerator Program Credit Score on Credit Speak: Find Info, News and More on Credit Score http://www.aboutcaliforniahomeloans.com/blog/2008/04/19/home-ownership-accelerator-program/#comment-111 » Home Ownership Accelerator Program Credit Score on Credit Speak: Find Info, News and More on Credit Score Sun, 20 Apr 2008 11:37:07 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/04/19/home-ownership-accelerator-program/#comment-111 [...] Ownership Accelerator Program Posted in April 20th, 2008 by in Uncategorized Home Ownership Accelerator Program There is a new home ownership accelerator program on the market, and now is a great time to [...] […] Ownership Accelerator Program Posted in April 20th, 2008 by in Uncategorized Home Ownership Accelerator Program There is a new home ownership accelerator program on the market, and now is a great time to […]

]]> Comment on Home Ownership Accelerator Program by Credit card » Home Ownership Accelerator Program http://www.aboutcaliforniahomeloans.com/blog/2008/04/19/home-ownership-accelerator-program/#comment-110 Credit card » Home Ownership Accelerator Program Sun, 20 Apr 2008 05:08:44 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/04/19/home-ownership-accelerator-program/#comment-110 [...] post by Real Estate Money Matters This entry is filed under Credit card. You can follow any responses to this entry through the [...] […] post by Real Estate Money Matters This entry is filed under Credit card. You can follow any responses to this entry through the […]

]]> Comment on Commercial Lending - Evaluating Income on a Commercial Property by calculate debt coverage ratio http://www.aboutcaliforniahomeloans.com/blog/2008/02/26/commercial-lending-evaluating-income-on-a-commercial-property/#comment-98 calculate debt coverage ratio Fri, 11 Apr 2008 10:54:53 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/02/26/commercial-lending-evaluating-income-on-a-commercial-property/#comment-98 [...] AFFO per unit basic was 0.90, ...http://www.cnw.ca/fr/releases/archive/March2008/26/c7439.htmlCommercial Lending - Evaluating Income on a Commercial PropertyCommercial Lending - Evaluating Income on a Commercial Property February 26, 2008 ? In commercial [...] […] AFFO per unit basic was 0.90, …http://www.cnw.ca/fr/releases/archive/March2008/26/c7439.htmlCommercial Lending - Evaluating Income on a Commercial PropertyCommercial Lending - Evaluating Income on a Commercial Property February 26, 2008 ? In commercial […]

]]> Comment on The Economic Stimulus Package and The Housing Market by economic stimulus package http://www.aboutcaliforniahomeloans.com/blog/2008/01/30/the-economic-stimulus-package-and-the-housing-market/#comment-95 economic stimulus package Tue, 08 Apr 2008 15:56:05 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/01/30/the-economic-stimulus-package-and-the-housing-market/#comment-95 [...] one had not been fully implemented yet.http://news.yahoo.com/s/nm/20080407/bs_nm/economy_bush_dc_1The Economic Stimulus Package and The Housing MarketDetails on the conforming limit increase and how that may impact the housing market. Additionally, [...] […] one had not been fully implemented yet.http://news.yahoo.com/s/nm/20080407/bs_nm/economy_bush_dc_1The Economic Stimulus Package and The Housing MarketDetails on the conforming limit increase and how that may impact the housing market. Additionally, […]

]]> Comment on Credit Repair Basics - Disputing Credit Report Errors by Credit Reporting On Credit Speak » Blog Archive » Credit Repair Basics - Disputing Credit Report Errors http://www.aboutcaliforniahomeloans.com/blog/2008/01/28/credit-repair-basics-disputing-credit-report-errors/#comment-89 Credit Reporting On Credit Speak » Blog Archive » Credit Repair Basics - Disputing Credit Report Errors Fri, 04 Apr 2008 05:29:23 +0000 http://www.aboutcaliforniahomeloans.com/blog/2008/01/28/credit-repair-basics-disputing-credit-report-errors/#comment-89 [...] Credit Repair Basics - Disputing Credit Report Errors I suggest disputing each item with each credit reporting agency. If you have three items that are inaccurate, you should make 9 separate disputes, one dispute for each item to each reporting agency. I have put the links to the three … [...] […] Credit Repair Basics - Disputing Credit Report Errors I suggest disputing each item with each credit reporting agency. If you have three items that are inaccurate, you should make 9 separate disputes, one dispute for each item to each reporting agency. I have put the links to the three … […]

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