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regineia
393 Posts |
 Posted - 08/11/2008 : 2:43:39 PM
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| Single Family, 240K; permanent resident alien. 10K income from retirement (Brazil) |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 2:59:28 PM
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| Oi, Tudo Bem? Vc e Brasilera? |
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ownerop
389 Posts |
Posted - 08/11/2008 : 3:22:05 PM
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quote:
Originally posted by regineia
Single Family, 240K; permanent resident alien. 10K income from retirement (Brazil)
10K Per month or per year? |
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rtrefflich
3414 Posts |
Posted - 08/11/2008 : 3:35:12 PM
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Falla portugues?
quote:
Originally posted by hpmfinancial
Oi, Tudo Bem? Vc e Brasilera?
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chriscall
185 Posts |
Posted - 08/11/2008 : 3:52:27 PM
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Is this a rate term? Whats the fico...can do permanent residents...also which state it is? Please contact me if you have any additional questions.
Thanks |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 4:09:58 PM
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quote:
Originally posted by rtrefflich
Falla portugues?
quote:
Originally posted by hpmfinancial
Oi, Tudo Bem? Vc e Brasilera?
Claro, eu casei com uma brasilera e eu morei no Brasil atras. |
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jsimmonizer
115 Posts |
Posted - 08/11/2008 : 4:35:17 PM
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| If they are a permant resident alien you should be good with convnetional or FHA, no problems just need green card. I did one with TBW in April. |
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rtrefflich
3414 Posts |
Posted - 08/11/2008 : 5:55:01 PM
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Ta bein, onje
I will take you and your wife to Rei do Gado, we were there on Friday with some friends, it's the best Chuhascaria I've ever been to (outside of Brazil)
My wife lived in Brazil, and my brothers wife is from Parana
Intendo, mas no fallo
quote:
Originally posted by hpmfinancial
quote:
Originally posted by rtrefflich
Falla portugues?
quote:
Originally posted by hpmfinancial
Oi, Tudo Bem? Vc e Brasilera?
Claro, eu casei com uma brasilera e eu morei no Brasil atras.
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regineia
393 Posts |
Posted - 08/11/2008 : 6:13:57 PM
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Oi, sou brasileira.
E em Orlando, ela ganha 10k por mes como aposentada do governo. querem comprar uma SFH. 90% LTV, Purchase, Florida. O.O. Tem Greencard.
Fico 780. |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 6:16:30 PM
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quote:
Originally posted by regineia
Oi, sou brasileira.
E em Orlando, ela ganha 10k por mes como aposentada do governo. querem comprar uma SFH. 90% LTV, Purchase, Florida. O.O. Tem Greencard.
Fico 780.
Voce tentei FHA? |
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regineia
393 Posts |
Posted - 08/11/2008 : 6:19:01 PM
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| Nao, mas income vindo do Brazil FHA aceita? |
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ownerop
389 Posts |
Posted - 08/11/2008 : 6:58:46 PM
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quote:
Originally posted by regineia
Oi, sou brasileira.
E em Orlando, ela ganha 10k por mes como aposentada do governo. querem comprar uma SFH. 90% LTV, Purchase, Florida. O.O. Tem Greencard.
Fico 780.
Eu acho que com comprovante do salario ela pode qualificar sem problema. |
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slants
4274 Posts |
Posted - 08/11/2008 : 7:05:56 PM
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| Hey, no fair. No special cliques. How will we know if you're talking about us? Translation please. |
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ownerop
389 Posts |
Posted - 08/11/2008 : 7:11:21 PM
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quote:
Originally posted by slants
Hey, no fair. No special cliques. How will we know if you're talking about us? Translation please.
Quick Portuguese lesson
Vai tomar no cu = Hello how are you doing today
Puta que pariu = Pleased to meet you.
Stay tuned for tomorrows lesson. |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 7:13:23 PM
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quote:
Originally posted by regineia
Nao, mas income vindo do Brazil FHA aceita?
Sim, FHA aceita |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 7:14:00 PM
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quote:
Originally posted by ownerop
quote:
Originally posted by slants
Hey, no fair. No special cliques. How will we know if you're talking about us? Translation please.
Quick Portuguese lesson
Vai tomar no cu = Hello how are you doing today
Puta que pariu = Pleased to meet you.
Stay tuned for tomorrows lesson.
Don't listen to this guy unless you want to get slapped. |
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slants
4274 Posts |
Posted - 08/11/2008 : 8:01:04 PM
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quote:
Originally posted by hpmfinancial
quote:
Originally posted by ownerop
Quick Portuguese lesson
Vai tomar no cu = Hello how are you doing today
Puta que pariu = Pleased to meet you.
Stay tuned for tomorrows lesson.
Don't listen to this guy unless you want to get slapped.
 That's not very nice ownerop. Just curious, how do they receive the retirement income regineia? Is it really $10,000 a month or only $10,000 a year? |
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ownerop
389 Posts |
Posted - 08/11/2008 : 9:29:26 PM
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quote:
Originally posted by slants
quote:
Originally posted by hpmfinancial
quote:
Originally posted by ownerop
Quick Portuguese lesson
Vai tomar no cu = Hello how are you doing today
Puta que pariu = Pleased to meet you.
Stay tuned for tomorrows lesson.
Don't listen to this guy unless you want to get slapped.
That's not very nice ownerop. Just curious, how do they receive the retirement income regineia? Is it really $10,000 a month or only $10,000 a year?
10K a month is a lot of money for a retired govt worker from a 3rd world country. Sounds fishy, 10K a month is Brazil you can live like a king. |
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slants
4274 Posts |
Posted - 08/11/2008 : 9:34:45 PM
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quote:
Originally posted by ownerop
10K a month is a lot of money for a retired govt worker from a 3rd world country. Sounds fishy, 10K a month is Brazil you can live like a king.
I was thinking that too, but how can they qualify with only $10,000 a year? The residency is not an issue, all Fannie/Freddie/FHA programs will loan to legal immigrants with green cards, but gotta be able to ratio. |
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ownerop
389 Posts |
Posted - 08/11/2008 : 10:28:14 PM
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quote:
Originally posted by slants
quote:
Originally posted by ownerop
10K a month is a lot of money for a retired govt worker from a 3rd world country. Sounds fishy, 10K a month is Brazil you can live like a king.
I was thinking that too, but how can they qualify with only $10,000 a year? The residency is not an issue, all Fannie/Freddie/FHA programs will loan to legal immigrants with green cards, but gotta be able to ratio.
I agree, I think if the income can be verified it's possible to close the deal. They are legal and have the income; I don't see a problem but the income just sound unbelievable, 10K per month retirement even in this country is not common. |
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hpmfinancial
1555 Posts |
Posted - 08/11/2008 : 11:52:38 PM
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| 10k per month is possible. |
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regineia
393 Posts |
Posted - 08/12/2008 : 08:30:39 AM
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| It is normal. She worked for the central bank, so the retirement income is good. |
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hpmfinancial
1555 Posts |
Posted - 08/12/2008 : 10:23:27 AM
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quote:
Originally posted by regineia
It is normal. She worked for the central bank, so the retirement income is good.
Don't listen to these guys, did you try running it through DU? |
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ownerop
389 Posts |
Posted - 08/12/2008 : 10:32:47 AM
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quote:
Originally posted by hpmfinancial
quote:
Originally posted by regineia
It is normal. She worked for the central bank, so the retirement income is good.
Don't listen to these guys, did you try running it through DU?
Nobody is saying its not possible, i said in my previous post its possible as long as income can be verified, running it through AUS means nothing, I can run any file through AUS and get an approval but if you can substatiate the income it's garbage in garbage out, just stating the facts of the case, income is going to be hard to substatiate from a foriegn country unless its directly deposited into a US bank. I would not waste my time running it through DU or LP until you actually run the scenario by an underwriter to see if they will accept the income. |
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regineia
393 Posts |
Posted - 08/12/2008 : 10:35:30 AM
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| good point |
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ownerop
389 Posts |
Posted - 08/12/2008 : 10:39:56 AM
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| I just spoke to an underwriter about this, he told me the Award letter from Brazil would have to be translated into english from the Brazilian consulate and if the money is deposited into a brazilian bank the bank statements would also have to be translated in english and you should have no problems if you can meet those requirements. |
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frank drigotas j
1518 Posts |
Posted - 08/12/2008 : 1:48:18 PM
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I've been to Brazil.
You better look up the exchange rate on that 10k to see the impact it has on the deal.
It looks to me that it is worth $6,164 in US dollars.
And, come on, answer the question: are you talking about a monthly amount or annual? Simple and crucial question. Please answer in English.
dollar |
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hpmfinancial
1555 Posts |
Posted - 08/12/2008 : 2:05:27 PM
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quote:
Originally posted by frank drigotas jr
I've been to Brazil.
You better look up the exchange rate on that 10k to see the impact it has on the deal.
It looks to me that it is worth $6,164 in US dollars.
And, come on, answer the question: are you talking about a monthly amount or annual? Simple and crucial question. Please answer in English.
dollar
She said DOLLARS NOT REAIS. It has already been converted. Eu acho o Frank e viadao. |
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frank drigotas j
1518 Posts |
Posted - 08/12/2008 : 2:21:32 PM
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Brazil pays retirement to Brazilian workers in dollars?
She said ten thousand. Ten thousand what?
And she won't answer the basic questions.
Aw, this is all fishy. How can she expect honest help?
dollar |
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hpmfinancial
1555 Posts |
Posted - 08/12/2008 : 2:34:54 PM
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| She said 10k income, since she is applying for a loan of 240k we can assume she means dollars, when she says 10k in income she is implying dollars. I have already dealt with her via e-mail. Get lost Frank. |
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frank drigotas j
1518 Posts |
Posted - 08/12/2008 : 2:59:36 PM
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Let us all know how it turns out, if it turns out at all. I suspect it will not.
Why are you so easily upset?
Telling someone to "get lost" is admitting that you have no answers and cannot carry on a conversation. It is schoolyard lingo, at best.
dollar
ps. I still have never heard of Brazilian retirement awards paid out in dollars. And we still do not know if this is about monthly or annual income.
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