Zillow Advice: FHA and VA Loans - Lenders/loans for triplex in SF Bay Area? http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ Zillow Advice | Zillow Real Estate Cheap isn't always good...it's ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ Cheap isn't always good...it's always a matter of pay now or pay later. You ca pay down your rate by putting more money down, or paying higher points at the outset. <br/><br/>How much do you want to spend or are comfortable spending now. <br/><br/>Who do&nbsp; you bank with --- perhaps they can offer you some options. At least give them a chance to compete for your business. <br/><br/>I don't recommend going with online lenders....you'd want to have a direct relationship with your lender whom you can talk with person to person...not someone who will treat you like just a number or a voice on the other line.<br/><br/>Good luck. Fri, 27 Apr 2012 04:00:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-27T04:00:00Z [content removed by Zillow ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ <em><strong>[content removed by Zillow due to spam.&nbsp; Please refer to our <a href="http://www.zillow.com/howto/GoodNeighborPolicy.htm">Good Neighbor Policy</a> for details.]</strong><br/></em> Fri, 27 Apr 2012 01:43:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-27T01:43:00Z I would be carefully searching ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ I would be carefully searching out the cheapest lender in town.&nbsp; It's been my experience that you usually get what you pay for.&nbsp; Find a professional that will close your loan on time, keep you informed through out the process and is willing to manage your mortgage debt for the life of your loan. If a bargin basement lender promisses you a 3% 30 year fixed interest rate but can't close the loan on time and you lose the house what's that rate really worth?&nbsp; Have a professional review your complete financial situation, a rate quote online with out knowing the whole story is worth less in my opinion. Fri, 27 Apr 2012 00:22:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-27T00:22:00Z You're right. &nbsp;Read ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ You're right. &nbsp;Read that wrong. &nbsp;Thanks, Chuck!<br/><br/>You can put more down using a conventional loan, but the interest rate is higher. &nbsp;This is going more affordable in the wrong direction both ways. &nbsp;<br/><br/>With interest rates so low and home values most likely on the upswing, I see no reason not to recommend an FHA loan versus a conventional loan given the information you've provided so far. &nbsp; Thu, 26 Apr 2012 23:07:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-26T23:07:00Z " I'm a quarter percent higher ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ " I'm a quarter percent higher than your quote."<br/>---<br/>He didn't give a quote, he said he wanted 3.5% down.<br/><br/><br/> Thu, 26 Apr 2012 22:51:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-26T22:51:00Z I'm a quarter percent higher ... http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ I'm a quarter percent higher than your quote. &nbsp;I would Google any company and their reviews before doing business with them. &nbsp;A botched refinance by some online ya-hoo is one thing. &nbsp;A botched or delayed purchase can cost you a lot more and also the triplex. &nbsp;<br/><br/>I recommend inputting your scenario into Zillow Mortgage Marketplace to find a Zillow screened lender and one with plenty of solid reviews. &nbsp;<br/><br/>The Federal government has made the mortgage industry a circus, but you don't have to settle for the services of online clowns. &nbsp; Thu, 26 Apr 2012 22:44:00 GMT http://www.zillow.com/advice-thread/Lenders-loans-for-triplex-in-SF-Bay-Area/440534/ 2012-04-26T22:44:00Z