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All Forum Posts by: Oscar Hernandez

Oscar Hernandez has started 1 posts and replied 4 times.

Private Lending & Conventional Mortgage Advice

Post: Refinancing out of a 30 year fix hard money loan

Oscar HernandezPosted
  • Posts 4
  • Votes 1

My credit score is almost at 800 so credit I’m not worried about but I don’t have any pay stubs /tax returns to show as of now & I’m buying in New Jersey & Chicago IL.

0 Votes
Private Lending & Conventional Mortgage Advice

Post: Refinancing out of a 30 year fix hard money loan

Oscar HernandezPosted
  • Posts 4
  • Votes 1

Thanks for the feedback. In my case I am using a HML because I only have capital and not any of the documents that you need for bank loans fha etc..

0 Votes
Private Lending & Conventional Mortgage Advice

Post: Refinancing out of a 30 year fix hard money loan

Oscar HernandezPosted
  • Posts 4
  • Votes 1
Originally posted by @Chris Cambridge:

You'll be looking into an interest only loan not 30 year.


Do you get those from a hard money lender or bank?

0 Votes
Private Lending & Conventional Mortgage Advice

Post: Refinancing out of a 30 year fix hard money loan

Oscar HernandezPosted
  • Posts 4
  • Votes 1

Hi am new to real estate I am trying to get a property that needs rehab I was thinking of using a 30 year loan from a hard money lender so I can hold the property for the long run. Would I be able to Refinance from the hard money in to a Bank loan to get a lower interest rate?

1 Vote