Is now a good time to get an ARM 5/1 loan? I plan to sell my home within 5-10 years.
Alot can change in a 10 year timeframe. I would stick with a fixed rate since they are so low and it will provide piece of mind.

Is there a way to get a HARP refinance if my mortgage isn't owned by Fannie Mae or Freddie Mac?
No you can't. You may not need this type of loan anyway. Values have gone up in some areas and you might be unaware of your current home value. If value is definately an issue then I would call your current lender to see what they can offer you.

Is there a waiting period for getting another FHA loan if I want to turn my current home into a rental property?
It must make sense. Are you relocating, family size increase?

Is it better to fix up a home before selling it or sell it as is?
Depends on how much you can afford and what is needed. I would focus on the basis items that may need repairing and then focus on cosmetics such as paint & landscaping. Right now is a great time to sell and inventory is low. In MA & RI there are multiple offers and some are exceeding full price. Most of...

Why are rates for conventional 30 year mortgages higher?
Rates in general are very low. Not sure if you're asking why rates are higher this week or higher than FHA/VA.

Do you recommend accepting a down payment gift from a family member?
Just make sure it's a gift and get in writing.

How do people afford to buy a home on the coast?
They usually apply a larger downpayment, have less debt and more income.

Does the Harp program allow for a co signer to improve chance for approval?
Hello,Lenders will still use your middle credit score since it is lower than your mothers. Yes S.S. Income is grossed up.

VA Home Loan, 2yrs post bancrupcy, Home included in discharge but not foreclosed on by lender.
Try the link below, I believe they are a GNMA Lender in Indianahttp://www.swmc.com/swmc/wholesale_lender/LA/Louisiana_wholesale_lending.php

second house
You will have to pay short term gains, this amount varies depending on your tax bracket. Speak to a CPA.

I am looking to purchase an investment property. It costs $180,000. Can i get a LTV above 70%?
75% Loan-to-Value, check with someone on here that is licensed in the state you which to purchase in. I'm licensed in MA & RI.

Should I refi now or not worth it?
Rates are still low so I would contact someone on here that is licensed in TX.

Can down payment be a gift from family for FHA?
Yes it can be.

How high will the rates go?
Rates Are still low. You may want to consider a 15 yr. or 20 yr. fixed.

Question about obtaining/eligibility for MassHousing loan
You need to wait 4 years for MassHousing. Income limits and DTI are also a factor. Call me if you would like to know all your options.

WHERE DO I GO TO FIND OUT IF MORTGAGE RATES HAVE GONE DOWN FOR HOME PURCHASE IN EDINBURG TX
I would look on Lender411. You can also look at the markets to figure out where rates are headed on www.ccnfn.com

How long does a refi take from start to finish?
Yes, if you close say in the month of July then you first payment would be due September 1st. Please call me, RMS Mortgage is one the top lenders in MA with multiple locations and onsite underwriters.