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Updated almost 6 years ago on . Most recent reply

Loc Nguyen's profile image
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Loc Nguyen
  • Member since Jun 24, 2008
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Loc Nguyen's profile image
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Loc Nguyen
  • Member since Jun 24, 2008
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Loc Nguyen
0
Votes |
35
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Private Lending & Conventional Mortgage Advice

Refinacing Hard Money Loan

Loc Nguyen
Posted

I have a question about a scenario i am unsure about.

Is it possible for me to get a hard money loan to purchase a house that need rehabbing, than after i am done fixing it up i decide i want to live in it.

Can i refinance that hard money loan into a traditional 30 year loan ?

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Account Closed's profile image
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Account Closed
  • from California
  • Member since Sep 2, 2008
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Account Closed's profile image
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Account Closed
  • from California
  • Member since Sep 2, 2008
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Account Closed
  • California
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Account Closed
  • California
Replied

Seasoning is immediate for a rate-and-term refi with a conforming lender. That is, you can get no cash back unless/until you have owned the home for 6-12 months.

Seasoning is 90 days for an FHA loan.

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