how do I validate the costs I am told ? Anyway I can be sure the costs are real and not made up? how come different lenders have different costs?
Don't have tunnel vision when you look for a mortgage, shop around and ask questions. Make sure to compare interest rate along with closing cost. Some lenders can raise the closing cost to lower the rate, or lower the closing cost and raise the rate. Also, get fees and estimated rate in writing............

Could i qualify for a mortgage?
Since you are self-employed you will need the last two years of taxes. If you have the taxes than you should write down what you are trying to accomplish along with any questions you may have. Than you should call a few different mortgage loan officers and discuss your situation, find out if there is a loan...

What are the reasons rates could be different? am i being discrimnated against?
Don't have tunnel vision when you look for a mortgage, shop around and ask questions. Make sure to compare interest rate along with closing cost. Some lenders can raise the closing cost to lower the rate, or lower the closing cost and raise the rate. Also, get fees and estimated rate in writing............

for rapid rescore, do you have to pay off the complete balace of the credit card
There are three ways to help your fico score with credit card debt.1) Pay it off2) Pay it down3) Raise your credit limit. The loan officer you are currently working with should know this information.

I would like to refinance but I am currently about $60,000 upside down on my mortgage. I have good income, excellent credit rating and minimal debt.
If you are currently in an FHA loan please contact us at: info@SchwabMortgage.com there may be an option for you. If not, contact your current lender and see what options they might have for you.

According to this site the rates are down from last week. Is it correct? If so are we done with the rate climb you think?
There are many different loan scenario's with many different rate quotes. You can email your loan scenario to: info@SchwabMortgage.com and we would be happy to assist you. Website: www.SchwabMortgage.com