conditon house must be in to be approved for a FHA home loan in the state of pa?
538317
FHA home inspectors are usuallly concerned about these major things: \nelectrical - all wire splices must be enclosed in junction boxes, all outlets/switches must have covers.\npaint - peeling/chipping paint must be scraped and repainted.\nbricks - areas with loose mortar must be fixed/filled\nThe overall condition of the roof, walls and foundation must be acceptable.
1127464
I may be able to assist you, I am a mortgage broker who works with over 100 lenders nationwide and offer several programs that will fit almost any situation.I specialize in Re-Fi's, Purchases,  Home Equity Lines and Home Owners Insurance. Please feel free to contact me Jcorreahq@yahoo.com I will go through everything with you and answer any questions you may have about the process. This is at no obligation to you and if nothing else will educate you on how everything works and what you qualify for exactly! I look forward to hearing from you! ~Joseph Correa Licensed Mortgage Broker
197605
Signature Loans \nThe requirements to qualify for a loan are - \n\nShould be in the current job for at least 3 months \na valid checking or savings account for at least 3 months \nMinimum income of $1000/month.
1039689
Your best bet it find a Mortgage Consultant that services your area and is VA / FHA certified.  They will be able to shop your situation around to many lenders that work with these programs in your state.
95641
go to the local HUD office, give them the address of the home ur considering, they will go look at the home, and then they will tell you if it will be approved for HUD or not.
515573
Don't do as charmed suggested! Verification of employment is not just a phone call-its tax statements, W-2's, etc. You do have to show ability to pay, if your not working, are you drawing a pension? Social Security? You would qualify as long as your income ratio and payment are fine. Otherwise, you do have to have steady, monthly income. \n\nBasically if you are on a pension of $1000.00 a month, with utilities, food, phone, insurance, etc are around $600.00 a month, and the home equity payment would be $ 300.00,  it would be iffy, as they look at disposable income for auto expenses, clothing etc. \n\nDon't know enough of your situation to advise if you would or would not qualify.  There is also appraisal fees that you must pay up front to get an exact value on your home, they do not go by the PVA assessment, they go by the condition of your home and others in your area, their selling prices, and how long they have been on the market.
1118630
Ask youself, do I want a mortgage if I do not have a job lined up?  I would assume the move is related to a new job.  If so, you will not have nay issues getting a loan.  I can get someone financed with no money in the bank, no job, if they have a 680 credit score.  No Doc loan are available if you have good credit and some money to put down.
469050
FHA requires full documentation of income, 2 years of Employment, and decent credit(usually 580 or above but I've gotten exceptions on lower credit scores).  You might also want to look for some grants that actually pay the 3% down-payment that is required.  FHA has made some great changes to their guidelines and I believe they are going to make a strong comeback.  I work in the mortgage buisness(Correspondent Lender) so please feel free to contact me for more information.
1112974
THANETHE BRAIN DOES NOT KNOW WHAT HE IS TALKING ABOUT. To qualify you I just need your SS# ( to run credit) and answer a few questions, TO GET a mortgage a I need 2 years W2 a sales contact, 2 recent pay stubs a copy of the cancel check if you put any money down.  You need to get a lawyer (have the lawyer run a title search) a appraisal and maybe a home insp. If you have any questions you can email me  johng@oldmerchants.com I am a Sr. manager at a mortgage Bank
353815
There is a house for sale at 507 E 7TH ST in Erie for less than $15,000. You could get a 100% loan with a payment of about $100/month. I would try calling the agent to see if the seller would be interested in some kind of creative financing. You may be able to trade labor for a reduction in price. I have nothing to do with this listing, I found it on Realtor.com, but here is the phone number of the agency it is listed with 814-459-3887. They may be able to help. Good luck!
1071442
the housing authority in your local area. Section 8 and most home loan company  have offers you should look into Countrywide Home loans and New Century home loans.
603665
To buy a home, the requirements depend on the mortgaging bank.  They can have points, but they can also have no point programs offering higher interest rates.  Inspections are not mandatory, but I'd have one done, especially given the high housing costs at the moment.  Attorneys are not always necessary, but I would suggest it - a notary public must sign papers from any online mortgage transaction--town clerks usually will do it without issue.\n\nAppraisals are necessary and arranged by the bank.  (My last appraisal cost $300.
1040670
Check the webpage for the Pennsylvania State Board of Accountancy at <http://www.dos.state.pa.us/bpoa/cwp/view.asp?a=1104&q=432421>.\n\nEach state's requirements are slightly different, so it's best to check with them to see whether or not your credentials work.\n\ngood luck!
367074
Typically FHA does not approve loans directly to the public.  You can find FHA financing at most banks, savings & loans, or other mortgage lending institutions.\n\nOnce the file has been fully processed the lenders direct endorsement underwritier will review & approve or decline your loan request.\n\nIt's not uncommon for a govt loan to take longer than conventional financing as the govt does have certain requirements that may be more time intensive.  However it should not be too much longer.  If your file has been in processing for more than 30 days the loan officer you are working with should be able to tell you a current status.  He/She should be able to let you know if there is a current stumbling block.\n\nSorry cloudjmc, if she was approved, then declined it was likely a property issue.
331511
The state of Pennsylvania does not have reciprocity so you would have to take the Real Estate License class and exam in PA.
985086
see a mortgage banker. There are 3 things required on a mortgage. Collateral, capacity and credit. With out knowing every thing none of us can be sure as to if you will qualify. Your score is very important and based on what you are stating you should qualify. If there have been no late payments. The biggest problem may be the loan to value on the home. You did not state how much your down payment was and the value on the home now and current mtg balance. So much more info is needed.\nI am a mortgage banker in Tennessee
93556
Typically you would just disclose that you are a licensed real estate agent acting for your own account, and plainly state that information in the offer.  However, you should check with your state's real estate commission for any specific requirements.