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Ritchy Haynes's Advice

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  • 161 Contributions
  • 0 Best Answers
  • 11 Helpful

Ritchy Haynes wrote:

I'm looking to shop for another home but I have a short sale, more

Answer
Be glad to help there should be some programs available assuming everything else is in line
May 13
(0)

Best Areas for Single Family Home Rental Income?

Answer
Anything in front range and metro area is very aggressive and doing very well right now
May 13
(0)

Who can still disregard Arbitration on a an unwarrantable condo?

Answer
Some lenders may have a fit for this, as it seems it may have been rectified at least partially. I would need to review the litigation for sure
January 21
(0)

What is the average time frame to purchase a home from pre-approval to closing?

Answer
It depends, many people find their home within a week or so. The best question here is, once you are under contract, how long would it take to close and the answer is 20-30 days. That being said if you are looking to move in the next three months now is a great time to get pre qualified and start shopping. Keep in mind you will not have a payment for 30 days from closing. Meaning if you close in February first payment is not until April, etc.
January 21
(0)

Can I qualify for a mortgage with credit problems and a student loan (I am up to date with payments)

Answer
Without a credit check it would be hard to say. A 10 year old account should not affect your score unless they have reported in the last 7 years. Many lenders can assist in re scoring any inaccuracies on your report as well!
January 08
(0)

credit scores

Answer
YES!!! Many lenders go down to a 620 credit score and would allow both options for conventional and FHA financing.
January 08
(0)

Can I get a jumbo loan with 680 Fica score?

Answer
Many lenders offer options for this and should be obtainable.
January 08
(0)

Refinance 4-Plex Income Property

Answer
Mike- I would be glad to help as many of my clients own multi unit properties.
December 10 2013
(0)

Crazy to start investing during winter?

Answer
Not at all! I am still seeing quite a bit of activity despite being the winter. I recommend you move forward when you are comfortable and confident with the idea.
December 10 2013
(1)

Moving to a new state - have money for the down payment but looking for a job, can i buy a house?

Answer
We need to have an income to verify the continuity of income. Being a relocation situation helps in that so long as it is the same line of work you should be able to proceed almost immediately after getting a new job!
December 10 2013
(0)