PLEASE HELP with calculating how much I can really afford
Hi Clifford,That's a great question. We can actually go up to 45% of your total income with all debts included. The down payment is not included in your DTI (Debt to Income). So if you were purchasing a house for $100,000 and put $10,000 down, your DTI would be calculated with $90,000. But you also have...

Does LTV and loan balance change the rate you are offered to refinance HARP 2.0?
Well there are two ways to answer this. Most do not know how to do the HARP 2.0 loan. You should get an appraisal waiver meaning no appraisal. And if you do pay down the mortgage to below 105% your rate should get better. Please call me at 949-200-5820 and I will help you get the best rate before you spend money...