Please Help!
Hello Hawkey...No. If a person is not on the application, then their income cannot be used. My suggestion? Contact me! Perhaps you will be surprised! Maybe your fiance has better credit than you think...I will guide you on that process and suggest ways it can be improved. Also, if the situation remains as you...

I Is this true for HARP loans if your monthly mortgage payments does not go up by more than 20% there is no min. credit score?
Hello Equus1...HARP's demand (from most lenders) a score of 640. Now, the exception might be if you refinance with your current lender. This is called the "direct" marketing channel. (And, yes, there may be a few correspondents accepting 620 but most have "overlays" to the...

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
Hello Tee-W-525-393! Streamline has more than one meaning. The seemingly negative answer you received may be from the person at your bank. There are other possibilities. I am licensed in all 50 states. Please call me at 888-GREG-1ST (888-473-4178...toll free). Greg Gruenwald - The Federal Savings Bank -...

How to combine our two home loans into one?
Hi Brett...First, I am a seasoned loan officer representing a federally chartered bank licensed in 50 states. As such, I am licensed to do loans in WI for all programs, including FHA. Second, as to your situation, if you mean consolidate your loan and your boyfriends together on a single loan, you...

Can we get a mortgage?
Dear Brando...You sound like my kind of borrower! Very detailed and knowledgable! Based on what you've shared, I don't see problems. You would be a perfect FHA 1st Time Buyer. The only thing to consider is when buying a condo, realize when you go to sell you'll be in competition with...

I own a home out right I want to remodel but my credit scores are from 677 to 665 to 633 can I get financed?
Hi Revray...credit is one of the factors in a loan and it is super important. Your scores may not be from an actual mortgage based credit report but based on these scores, you would qualify for prime A/Paper loans (including FHA and VA). The next step is to look at the other factors. My advice? Call me. I can tell...

Can i sell my fha home in louisiana and pay them off then go thru fha again for a home in florida? Hiws this work and how fas
Sherri...this is easy. Yes: you can sell in Louisiana and then buy in Florida. No problem. Can both be accomplished within the time frame you need? That's a more difficult subject! You need an experience mortgage expert! I do it all the time for people. I do loans in all 50 states so I can help you. Please...

fha streamline
Hi Upram...Yes. One thing different. Your case number can be pulled next week assuring you of the old program insurance rates BUT your credit would be immediately pulled. (It doesn't make any difference when the credit is pulled.) You would then close after the 6/30 date. Feel free to contact me...