Can I get a better rate if I refinance my home now?
Cannon,Based on what you are telling us you would have access to the best rates possible today. On a 30 year fixed rate mortgage your options would be anywhere from 4.125% down to 3.625% depending on the rate/fee structure you decided was the best plan of action.Please let me know if you would like to see a...

Do I need to submit application/docs to get a GFE?
Roger,Yes, that is pretty regular these days. The GFE rules have changed the last few years and lenders leave themselves at risk when they issue a GFE when they don't have a full application as they are bound to it regardless of if the information they have is correct.However most lenders should be...

I have a manufactured home I live in with a grannie unit (legal) 80% with reserves and grat ficos? 855-262-3279
Bruce,What is your question? Are you looking to refinance and have questions about the property qualifying?Thanks,Greg

we bought home in 2005 had home loan modification done in 2009 and 2011. Can I claim PMI
rugegrl290,Thank you for the question. However I am not sure what you are asking... Are you looking to get a new loan that has PMI? Please let me know exactly what the question is and I will do my best to answer you as quickly as possible. Thanks!Greg

What form is needed to have a sibling who fraudulently coerced her elderly naive mother to do a Reverse Mortgage pay it off?
Gloria,I don't know that there is any form. This sounds like a legal question much better suited for an attorney. Greg

If I need a loan for under $50.000, should I go to a large bank or a smaller lender?
Tricia,It probably doesn't matter. The question I have for you is what is the purpose of the loan, are you buying a house or refinancing, or if it will be an unsecured loan. Loans that small can be hard for any lender to do as a mortgage because of High Cost Mortgage rules which limit costs on loans based on...

Can I use my 401k early for my first home purchase?
Yes, there are ways to do that. To get specific advice we have to advise you to contact a licensed tax professional and your 401k administrator, but as a general question the answer is absolutely yes, you can. The most common way to do this is a 401k loan, which allows you to pay yourself back. This is popular...