ltv / cltv unlimited with a 680 credit score

Locked in refi rate, payed appraisal, delayed closing 75 days re-ran credit, and DONT qualify?
Yes this does happen. Why did they deny your application? Was it because of the loan to value?

Any lenders that can do a Harp 2.0 refi after BK7 discharged 8/09?
Hello JamieWe do have a lender that underwrites HARP loans just as the guidelines are published. We can do a harp refinance after a chapter 7 bk has been discharged for atleast 3 years. Please email me if you are interested in moving forward.Vince SampsonNMLS ID 120630Branch Manager Equitus...

Who will refiniance my manufactured home with a Streamline VA?
Hello My name is Vicki Bank and I am with Equitus Mortgage here in Everett WA. I can help you refinance your manufactured using VA streamline refinance. I can be reached at 206-940-1259 or email vbank@equitusmortgage.com

1st time home-buyers with conventional loan AND non-occupying coborrowers
Hi VikkiYou can get a conventional loan with a non-occupying co borrower.

I had my FHA modified in October 2008
Whats your question?

Does a BK7 mortgage have to be RE-AFFIRMED to get a Harp 2.0 refi?
Yes your mortgage has to reaffirmed to get a Harp refinace

If I switch lenders, do i need to pay for another appraisal?
It depends on your loan product and the new lender...

My equifax score is above 700 but my TU and EXP are both about 600. could i still get a HARP loan?
Yes you can still get a HARP loan provided you have verifiable income and employment.

can my fiance an i get a mortgage with 1 year work history on a new home construction
Yes you can finance a new home construction with one year work history provided you have a high FICO and no derogatory in the past 24 months.

I have a credit score of 617 and want to refinance my home. Could you help?
Pacific Union Direct can refinance your mortgage with scores as low as 560

What can I do if my mortgage company won't let suborinate my second motgage?
If your more second lien holder refuses to subordinate then the only option would be paying that debt in full prior to taking a new 1st mortgage.

when you choose to have LPMI does that normally mean that you pay an upfront fee and end up with higher interest rate?
Yes LPMI is a higher rate offered to you which grants the lender more security in case of default.

how do I know I have a Fannie Mae loan?
Please visit https://www.knowyouroptions.com/loanlookup Vince SampsonBranch Manager Everett WA877-268-8648 ext 301

Conventional Single Premium MI
Yes you should be able to but it depends on the LTV after the total loan amount has been calculated including the single premium.

We are having problems with our EA3 loan closing.
I advise you to stick with your current broker. There are two companies in the country that will take an EAIII approval and you broker doesn't get paid until the loan closes. Your scenario is extremely complicated and I'm sure your broker is doing his best to get you closed as quickly as...

To be prepared to speak with a lender, what are some smart questions to ask when applying for a mortgage?
What type of programs do you offer? What is the average time frame for closing a loan? Will this cost me anything out of pocket?

Refinance help
There are may options available for your scenario. Contact a local mortgage professional any they will be able to give you insight.

Can I get a streamline FHA refinance to switch from a 30-year to a 15-year mortgage?
If your can meet the net tangible benefit of 5% from current payment you can go from a 30 year to a 15 year. FHA does offer a 20 year which we use often to shorten term and reduce payment.

Refinancing a Underwater Investment Property
If this a Fannie or Freddie loan, the guidelines allow for a maximum of 85% LTV.