Can recent unemployment affect me getting a mortgage?
You need a two year employment history, but a short gap should not be an issue.This will be the underwriters decision.

im looking to streamline refinance in al..companies i've talked to say that we need to already have our loan with them are there
Most lenders do want you to have the loan with them to streamline, but you may be able to avoid having to do another appraisal if your findings come back ststing that no appraisal is required-maybe only a drive by appraisal, which would save you the cost of a full appraisal.Also, your previous title co....

who can check refinace paperwork 2ensure nothing damage me now or later & 4how much
Kevin,You can send via e mail to us at carltonhome@bellsouth.net and we will be glad to review for you, or you could also contact the title co. or attorney that is going to close your loan to review prior to closing.

What is a transfer tax on closing fees?
Does not apply to Pa refinance.

Credit scores??
The scores you gathered should be in the ballpark of what a lender is looking for.They should be a good indicator of what a hard pull will be.Good luck.

Can my dad refinance such that I can assume the mortgage?
He can't refi because of his employment status. You could purchase the home from him if you qualify

Can I transfer the name on my mortgage from my ex wife to me, when I refinance the house?
Yes, you can do this as long as you qualify for the loan on your own.

Should repairs be made in order to refinance your home? If so what type?
Yes, the repars would help with the value when the appraiser does your appraisal.If deficiencies are there it could lower the appraised value, so anything that could be done prior to the appraisal would be beneficial to you.

Do condos and townhouses always include HOA fees?
In almost all cases, they do.

manufactured
Sorry, no one wants to dael with these.

Need to buy a home soon!!
You will be fine, but try to use a Mortgage Broker in your area with knowledge of the latest guidelines in the industry.

Can I buy a $200,000 house?
It will be 3 years, sorry.