She completely took care of the process from start to end. He didnt sugar coat the difficulty of my particular situation, but he did say he would do his best. We were able to lock in to a mortgage re-finance well over a point lower than our prior rate, as well as eliminate student loan debt and reduce 5 years off our mortgage. To do that, you need to remove the old deed of trust from your title and replace it with a new one. We've got the features and data that grow business. He also tells me to sit put and wait. The lower the loan-to-value ratio and the greater the borrower's equity, the more incentive for the borrower to protect the equity in the Property (i.e., sell or refinance the Property if unable to make payments under your promissory note) or Yes, you can. Agents and teams cut out intermediaries and drive new clients and listings directly. Cant say enough about this team! Between the time I looked at the house and closed, it. When it was time to submit our full application, it all went so smoothly. occasion. Thanks so much for a great experience. Helping data-driven real estate professionals and home services businesses drive opportunity. A deed of trust is a legal document that secures a real estate transaction. We had even been downright ignored by others. bring a dash of joy to an otherwise mundane experience of borrowing/lending. Excellent service all around. Pam was also a pleasure to work with - extremely professional, knowledgeable and completely on top of all the documentation required so that the closing went smoothly and without a hitch!! We were able to find the perfect house and Tim and his assistant Laura did an outstanding job on processing the loan in a professional and timely manner. Communication and responsiveness were top notch. They were so kind and. 2023 Grandview Lending Inc. NMLS# 124728. start to finish. We had a Plan A in place and when that fell through, Timothy Egan did not miss a beat but quickly pivoted to Plan B and Im happy and Im thankful to say that we were able to close a couple of days ago. We had a great experience with Grandview Lending. We appreciated their honest and forthright advice. I've used them for three different house. It's perfect, we love it! where it needed to be in order to get a good rate in the matter of minutes. If your like me and have had issues in the past, Grandview Lending will be the company of choice. arrangements. Make sure the second deed is recorded immediately after your refinance is completed. I will be back :), Michael and Faye help us get our mortgage loan, they were always willing to sit down with my wife. She is very. very personable and open/ honest about the entire process. Thanks again for doing such an amazing job all realtors need a lender like you on their team. It makes a difference when someone is willing to at least try. !She immediately hopped on the phone and began discussing the process with me, and put to rest any fears I had. Spend less $ out of pocket and lock in super low interest rate. (4) "Refinance mortgage" means a mortgage, deed of trust, or other security instrument given to secure the refinancing of indebtedness secured by a first mortgage or deed of trust. We were moving from out of state and after researching on line decided to give Grandview Lending a. call based on reviews. Comprehensive commercial property and owner data doesnt have to be expensive, or hard-to-access. They were very patient and helpful during all phases of the process. Grandview Lending did everything and anything possible to get me a loan at a great rate and one that was affordable to me. Was a quick and easy process through Grandview. Surprisingly, after a little past a month, we were where we needed to be! too much trouble. My experience with Tim Egan at Grandview Lending was phenomenal. if foreclosed through a trustee's sale. I'll never waste time with the others again. It works similarly to a mortgage, though it's not quite the same thing. His team of people is surpass everyone else! Combined 1st Trust deed and 2nd Trust deeds cannot exceed 2 Million. refinance process was smooth and easy. Second trust deed loans let the borrower take out an additional loan against the property while keeping the existing mortgage on the property as well. Grandview lending specifically Tracy and her team Kiley and Lindsey have been my go to team for. The Grandview lending Team got me an interest rate no other lending company could get. Tracy and Laura were AMAZING! Discover borrowers that need exactly the services and products you offer. Consumer Financial Protection Bureau. The bank remains the owner of the . I would highly recommend Tracy Harding and her team We couldn't be happier in our new home with our new low interest rate loan! I will never use anyone else for my financial needs not only because they are so great but they also get you the very best rates the market offers and are all about how to save you money. They got us refinanced. A trust deed investment is considered to be a fixed income security. He also helped me find a great Real Estate Agent. Together with his loan processor, Pam, our needs were met every way possible. just that, a process. She helped me realize my dream of becoming a homeowner could be a reality, and it was easier than it seemed with her in my corner.Everything she said, and promised, she followed through on and it became a reality. for each and every person. They will get the job done for you! Wonderful experience and a pleasure to work with Tim Egan on my home purchase! We were first time home buyers. They were fast. I had a great experience working with Kimberly and her team Hillary and Lesley. Kimberly Irving and the team at Grandview Lending, Inc are an absolute pleasure to work with. I am now a few months into my first home, my dream home, and Tracy still reaches out to check in on me. And fast I might add, we had an accepted PA on July 12, and closed on July 31. 2nd Trust Deed Loan Private Money Lending About This Loan There are many advantages obtaining a 2nd trust deed private loan, one of the advantages is you have a business venture and want business capital quickly. Outstanding all the way! Some states use deeds of trust instead of mortgages. I'd highly recommend Grandview Lending! 3.For any religious or charitable purposes. I highly recommend Kimberly Irving at Grandview Lending. Terms are 3 years to 30 years. Like a mortgage, a deed of trust agreement obligates the borrower to repay a home loan, with the home serving as collateral if they default. Thanks Mike and Grandview for all you've done for us! Had the best refinancing loan experience. home and again when we refinanced it years after. Fantastic experience working with Kylie, Lindsey and Tracy with our refinance. The first deed takes your property out of the trust; and the second one puts it back into the trust. We are repeat customers and couldn't behappier with our. The process was smooth, easy all the way through. Questions? I wasn't confident in my financial background post-Afghanistan, and I was fearful that I would be preyed upon or scammed, which is the unfortunate reality for a disabled veteran at times. and would of kept my seller from being able to purchase their new home if it wasn't the hard work Tim did for the buyer's on their home. professional and helpful in identifying and explaining various options and helping me find what was right for me. He is the first person I recommend when individuals and businesses need counsel in various commercial and residential. Working with these two ladies made it so much easier. (Note: Some lenders may not extend loans to trust properties. The team did a great work and made the whole process so much easier on our side. The level of customer service we received was 5 star! PO Box 837, Truckee, CA 96160. If you know anything about this type of mortgage, you know that it has lots of restrictions and requires a significant amount of paperwork.But, Tim and Laura rose to the occasion. Making public records data useful since 2007. Will definitely bring my future business needs to them. He has been my go-to person and I do not hesitate to recommend his services. would love to do business with this professional again! I highly recommend Grandview Lending. Grandview in early 2017 to get a sense of my lending options. Everyones circumstances, finances, etc. They kept us informed every step of the way and made things as easy as a mortgage can go. If we ever do this again they will be the first team we contact. needs. His processor Faye walked me through every step in a very timely manor. I would love to see what my options are with that FICO score, if any. Our mortgage experience with Tracy Harding was excellent, she made the experience very smooth from. This business is amazing! I recently went through Grandview Lending for my 1st home purchase. options and the entire process was painless. Lots can get lost in a cross country move! ), Youll need to notify the lender that the property is included in a trust and provide them with a copy of the trust. Answer: 1a) In your scenario of a 2nd mortgage used to purchase an investment property, I'm assuming it is a residential property, and for home improvement purposes, if so would be treated and reported as a home purchase, non-owner occupied loan on your loan application register. Everyone at Grandview. Connect directly with owners. He sent several emails on the plan moving forward. But the difference between a deed of trust and a . I will recommend Grandview Lending, Inc to anyone thinking about buying house. I highly recommend them to anyone! 2nd Trust deed mortgages at 90% CLTV. I could not have felt more confident that I had someone on my side looking out for my interests. You can try the other big mortgage lenders first, then call Grandview when they don't seem to come through for you. If youre looking to refinance a property held in a trust, contact the mortgage specialists at Grandview Lending. Everyone was easily accessible and easy to work with. Communication from start to finish was excellent. Tracey and her team were amazing to work with. They made the whole process so smooth and efficient that I was able to close on the refi in 15 days (right from first phone call to closing). Her pricing is tough to beat and customer service is second to none. So SB 1178 applies to the refinancing of a loan used to purchase the property, regardless of whether the loan has senior or junior status, most commonly a 1st deed of trust and a 2nd deed of trust. I recommend them to everyone that is looking for a great team to work with. So we listen to our clients to help them assess the impact their mortgage decisions have, not only today, but tomorrow. He was extremely knowledgable, and Faye kept us on track throughout the entire process. Not only has he secured home loans for me but he keeps up on, mortgage rates and tells me when its time to refinance. My experience with Grandview Lending was amazing. SB 1178 serves to broaden 580b with the following "new and improved" additional language: "For purposes of this section, a loan used to pay all or part of the purchase price of real property or an estate for years shall include subsequent loans, mortgages, or deeds of trust that refinance or modify the original loan, but only to the extent . They go above and beyond to make sure everything. They were there at every step helping and guiding us through this. No Obligation Just Free Information First Name* Last Name* Phone Number Email* Comments Current Interest Rates Required Documents 1003 Application Tools & Calculators Real Estate Dictionary Underwriting Guidelines Frequently Asked Questions Federal Reserve Economic Census All of this gets handled at the closing of your refinance. Our latest news, insights, and how-to-guides for the motivated and curious professional. kept me updated every step of the way. We will continue to recommend them to our friends and family. I feel. Their communication was. Let's take a brief look at how this plays out. That being said, I took a chance and reached out to Tracy, and it's a moment that will forever be life changing. Lending top notch individuals the type you want to associate yourself with. Tim Ayers and Pam Gaither took excellent care of, us. If the owner of a home or property is your best customer, we've got them all in here for you to discover and connect. They were professional, attentive, very knowledgeable, thorough, and very relatable. This team gives meaning to the phrase Girl Power! Nothing was. They promptly got all of my documents ready for, signing for a quick turn around on closing. They came in with the best rates and options. American Bar Association. He is both honest and sincere, listening to his clients' thoughts and idea. What an Awesome Experience! And, Laura worked very hard behind the scenes to overcome the specific set of challenges that are inherent to these types of mortgages.I was in good hands the whole way. !The process of refinancing my home was made so easy by Kimberly Irving. Also Anne and John at closing. He cared. helpful and made the process so easy. I look forward to their calls and emails cause they are so friendly but also very professional. I highly recommend Tim and Grandview Lending to anyone looking for a home or in need of lending services. Tim was amazing at working with me and for me to make my rates, payment and experience as great as possible. I don't even know where to begin in describing Tracy Harding. We were once again extremely satisfied with their outstanding customer service and quality work. Additionally, you may need to have your attorney draw up a warranty stating that the property can be used as collateral on the new loan. Low Fico OK. Rates aprox. Mike and Faye were always willing to answer my questions and did a great job explaining the process to me. Accessed July 31, 2020. He provided me with many options including lower. "How Does Foreclosure Work?" There was at no time during the process that I wasn't kept informed of what was going on. She showed us a few tips on how to improve our credit and almost instantly it went up. LOVE the team at Grand View Lending! I just moved to Indianapolis and I am looking at what my options are to purchase my first home with a VA Home Loan. You must provide adequate insurance and a clean title to the property so that the . Was pleased with the fees and explanation of the HUD1 and patiently answering endless questions. My circumstances were difficult, some might say Herculean. state and most local lenders did not want the hassle of a long distance relationship. I thought great. Michael Farrell saved me 6000 dollars in closing cost. She and the whole team are incredibly knowledgeable and helpful when it comes to buying your first (or any) home. In California, a deficiency judgment cannot be obtained: if the security is a purchase money trust deed. available and honest with us. Tim Ayers is a consummate professional. i just closed a property working with Tracy. After doing a google search, i came upon Grandview lending. automatic emails showing where your application is all along the process. The trustees deed was recorded in favor of Glendale and the 2nd Deed of Trust held by the plaintiff was wiped out. Awesome rate and customer service! Hillary and Leslie were extremely helpful and kind in the process. Tracey Harding and her team are amazing. While most second mortgage or deed of trust lenders will do this, it may take time or carry a fee. If it does, the trustee will need to sign a promissory note. Timothy Egan guided me through this very daunting process and I will be forever grateful. To say they were "on the ball" is an understatement. I highly recommend using Tim and we will go back again if we have any other financing needs. Would not hesitate to use her again and refer to anybody else who is looking to work with a great individual who takes care of their customers. I would recommend them to anyone for their home buying needs. Please indicate your interest in refinancing when you complete your loan application and our Mortgage Lending Specialists can provide you with details regarding your loan and requirements. Tim conducts. They truly are just amazing so give them a try and thank me later. There were no set hours, she worked 24/7. We love our new house! Through the Covid19 pandemic, it took me almost a year to find my home and Tim was right there with me. From the first call of inquiry to the closing and beyond, Kimberly was prompt, knowledge and professional with our correspondence.
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