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- Joe Almirantearena
Real Estate Home Mortgages/Expert Profile
Expertise
I can provide all the mortgage information you need to make an informed decision about obtaining a mortgage in California.
Experience in the area
I've been working in the Mortgage industry for ten years, helping people throughout California, with all types of credit, employment, and rental histories, secure home financing for purchase and refinance. I have dedicated my website to provide FREE mortgage and real estate information to California residents. Visit http://www.findmyloanonline.com
Publications
Fresno Famous
Publications
Fresno Famous
Education/Credentials
California Department of Real Estate
What do you like about this subject?
I take great pride in helping people attain the american dream of homeownership.
What do you still hope to achieve/learn in this field?
I hope to continue to learn new and innovative ways in assisting my clients achieve the dream of homeownership, and help those that already have it, use the advantages of the financial industry in their favor.
Something interesting about this subject that others may not know:
Often times, when you succeed, you help change the lives of your clients.
Something controversial or provocative about this subject
Sound mortgage advice comes from good, ethical mortgage professionals. You can find it, if you're willing to take the time to find one.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| Max | 02/04/10 | 10 | 10 | 10 | thanks. |
| Seena | 08/21/09 | 9 | 10 | 10 | |
| nancy | 08/20/09 | 10 | 10 | 10 | The important questions were answered and possible ..... |
| Michelle | 07/17/09 | 10 | 10 | 10 | |
| Michelle | 07/17/09 | 10 | 10 | 10 |
Recent Answers from Joe Almirantearena
2012-02-15 actual down payment:
Hi Raymond, If your agent can successfully negotiate the sellers to pay for some or all of your closing costs, that's great. Escrow handles the disbursement of funds, so the seller will not be issuing
2011-06-04 inherited moms house and need financing:
You will need to establish credit. FHA requires 2 open tradelines to secure a home loan. So get 2 tradelines established. Use those accounts each month, and be sure to pay those balances off, each month
2011-05-14 Adjustable Rate Mortgage:
I do not know with any certainty what the terms of your loan is. If in fact, all the information you have presented above is correct, then yes that should be the interest rate. I do not know how often
2010-06-21 Home purchasing:
Different lenders have different requirements. Some lenders require the property be purchased outside of a trust, and some allow the property to be purchased in a trust. You will have to research and
2010-06-08 very complex refinance issue:
You can use 75% of the rent generated by your rentals, as income. If you refinance Homes A and C to a lower interest rate, and payoff Home B, and your monthly payment on both of the new mortgages are
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here
Answers by Expert:
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