Colli Real Estate

Mortgage Questions?

Ok, for your first mortgage on a house that you use to buy the house, did you use the entire loan to pay for the house, or can be used on things like roof repairs, getting new doors, rewiring the house, generator, and the purchase of appliances (washer, dryer, refrigerator, stove ect)? My question sounds a bit rambled so here an example. house costs $ 40k. You are able to obtain a loan up to $ 60k. Can you use the remaining $ 20K on updating the house, and buy items for it? Ok, so if we were to have signed the mortgage to us (a assumtion responsibility, instead of buying possible outside the house – to be able to occur because it is a house of parents who have already subscribed to this option), then refinance, we would able to do as stated above? I think I could save it as a new question.

Typically you can not. You'll want to negotiate this patch to be completed at the close of escrow or to arrange a credit seller for repairs. Mortgage companies is generally seen as a red flag if a property has 20K trouble in installation costs. Moreover, it depends on the estimated value the house seems to be generally close to what you bought.

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