Just got married and my wife has bad credit...what should we do? We're looking to buy a house in the next year.
She needs to work on her credit--pay off any collections, never be late on anything again! If you can qualify without her, try that. In the meantime, she should be working on cleaning up the problems. I see that very often--where one spouse has good credit and low income and the other has high income and...

If I want to do renovations and qualify for FHA should I take out an FHA 203k loan?
Steve,Assuming that you are a buyer and want to be sure that you get the property you want through renovating, the 203K is an excellent product. Your purchase price and the renovations are included in one loan with one interest rate. It's not necessary to have a fixer-upper either, it can be used to add a...

I'm good. How about yourself?

Is there any way I can get a mortgage on a house that I don't have residency with?
Hey, Nick.If you are asking if you can get financing for an investment property, yes, you can--single family residence and even multi-family property. If you mean can you be a non-occupying co-borrower, you can if the borrower will be living in the property. We see this often with a parent co-signing...

my wife and i are on loan (morgage) for the house. im wanting to know if I can get the loan just in my name only.
If you and your wife are currently on a mortgage together, then you both will remain on that mortgage until it's refinanced or sold. If you want to buy another house by yourself and be the only one on the mortgage, you CAN do it. What is your objective? Do you live in a community property state?Keep in mind...

When can we "reasonably" expect to be able to refi (r/t only) after modification.
I'm in Virginia so I would not be able to help you. I did wonder though, was a principal curtailment done? Are you saying that you bgan the process in 2009 and JUST (as in July 2013) received your paperwork? Were you making making during the last 4 years?