Does the discount offered per point differ between lenders?
Have both lenders quote you without any points. This will give you a better estimate as to whom is giving you the better deal. Also... my personal opinion is that a buy down (points) is always a bad investment. email me at ckelso@wbmtx.com with any additional questions you may have.

Income to debt ratio
If it is an FHA loan we have to look at the entire credit profile of both you and your wife along wiht all debt. We would use all family debt against all income, which in this case is just your income. Conventional loans do not require us to do this. We only look at your income , debt and credit. Please feel free to...

Is this true?
Most lenders including ourselves have a 620 FICO requirement. This is independent of the type of home or loan you are seeking including foreclosure, short sale, purchase or refinance. Hope this helps a bit.

Fico 720...20% down....Who has the best rate?
Please feel free to contact me at 713-256-9138 to discuss your options and rates. If you don't choose to call me please remmed to evaluate the entire loan package not just the rate. Best regards,Chris Kelso

Refinance with 76% LTV, can this be done?
You should be good on any of the loan programs available today.Best Regards,Willow Bend MortgageChris Kelso713-256-9138

Looking for a lender with the best rates..any suggestions???
I can be reached at 713.355.7100 or ckelso@willowbendmortgage.com for any loans in Texas, Florida, Colordo, Arkansas or Oklahoma.

Middle fico score of 719, what rate can I get for a refinance?
Depends on the program FHA, Conv, etc....however rates are 3.75% on 30yr and 3.25% on 15yr FRM approx.Chris Kelso713.256.9138ckelso@willowbendmortgage.com

Should I refinance now or later? Have I missed my chance?
Yes...you should look at refinancing. Please call any of the numbers who answered your question or look me up at www.chriskelso.comBest Regards,Chris

Want to refinance my home in texas while living abroad.
This is definitely possible. Call me at 713-256-9138 or email me at ckelso@willowbendmortgage.com. Also go to www.chriskelso.com for more information.

If I switch lenders, do i need to pay for another appraisal?
Depends on the lender and program. We generally accept a transfer. Feel free to contact me at 713-256-9138 or ckelso@willowbendmortgage.com

Is it advisable to pay points to get advantage of lower rates?
I never recommend a buy down for that much unless you plan of staying in the home for an extended period.....7 plus years. Please feel free to call me at 713.256.9138 with any further questions. Chris Kelso w Willow Bend Mortgage.