Is it true that for second home refinance rates go higher? What constitutes a second home as opposed to an investment home?
How far away from your primary residence is the property and would it truly be used as a vacation home in the destination of where it is located. The rate for a second home should not be much higher than a primary but as an investment yes the rate would probably be .5 to .75% higher. Let me know if I can help you...

I need help!! I have a house with a guy I'm not married to.
Bad situation. Your only option is to keep the payments up and get it sold. You are responsible for the mortgage. Do you not want the house? Maybe if you refinanced to a lower rate you could afford it a little better? I would recomend quit claiming him off the title.

Need A Lender. FICO 650..looking for FHA with the best rate
Today my rates are under 4.5% on FHA. You need to have at least 3.5% down and the loan needs to be a max of 271,050 not a dollar more. If your purchase price is 275000 you will be ok on the loan amount after putting 3.5% down. Just need to make sure that whatever the purchase price is you cannot go over 272,050. Review...

Will a refinance negatively affect my credit score ( FICO)
This should not hurt your score by any means. Do however not let your credit get pulled a bunch of times because that could cause it to lower. I offer a Good Faith Guarantee witch means what I tell you is what it will be when it comes to the rate and fees associated with the loan if you decided to do business with...

FICO 600 How do I raise this ?
Do you have any revolving accounts (credit cards) that are over half the balance at the moment? If you do pay them down below half right now. Is there a negative item reporting that you have proof should not be? How many inquiries do you have? Feel free to contact me. 866-974-6736 x137. Thanks, Jake

ARM rates?
We are currently at 3.25%. This is based upon excellent credit, 80% LTV full doc. 1% origination fee and at least 150k loan amount. Give me a ring and I can price it out exactly for you. Thanks, Jake B. Just click on my pic for my info.

ARE125 PERCENT LOANS STILL AVAILABLE?
Just got the news today that FHA may be rolling out a 125% refi program to help people.

Is it true that 5/1 ARM is always better rate than 30 year fixed? I had heard in some cases 30 Year fixed was as good or even better.
At this time in the markey it is not unlikely to see a 30 year fixed that is very close to the 5/1 arm rate. You will pay more money in fees for the same rate as the 5/1 arm for the 30 year fixed. If you only plan on keeping the house for a few years the 5/1 is a great loan.

how do you refinance a seller-financed home?
Do you have a note with the seller that sold it to you or a contract? Also would need to show 12 canceled payment checks from you. Where you recorded onto the deed? Give me a call and fill me on on these details and I can guide you through it. 866-974-6736 x 137. Thanks Jake B

looking to buy a home with no down payment but my credit score is to low and my income is to high. is there anyway that i can be helped.
You more than likely need to get your score to 620 and have at least 3.5% down to do an FHA loan. The only 100% money out there is USDA and if you make to much it throws you out of the program.

I want to lower my interest rate
Jamie review my profile and get with me.. We are a nationwide FDIC bank that can help you achieve your lending needs. Talk to you soon.

Is 4.4% good rate for a refinance?
If you are paying closing costs you should be around 4.25% on a 30 year fixed. Around 3.75% on a 15. Hope this helps and if I can help let me know. Thanks. Jake B

I need a lender
Do you have a 620 middle credit score, 3.5% down, 2 yr job history? That would be a start to finding out if you can qualify.

Are there any zero down loans still avaialble for home purchase?
We can actually fund USDA loans wich are 100% unless you can go VA. USDA loans are for rural developement. If you have a property address I can check to see if it qualifies. ThanksJake

Need a Refinance To Remove Ex Husband
We are a nationwide FDIC bank. If you would like to get in touch with me I will see what I can do for you. Your loan will not get turned down because you are single but other factors do need to be reviewed such as credit, income and assets.

Is Las Vegas a good market to buy a property in now?
My answer would be yes. Property prices should be at the bottom on foreclosueres. Give them a low ball offer and see if they take it. Another great place to buy would be in Arizona. I have made some investments there myself. Let me know if I can help you with your financing needs. ThanksJake B

I was thinking of refinancing but our business is way down by about 75%. Will that be a problem to refinance?
Depending on on your credit score, loan to value and assets we may be able to just use last years tax returns. If you would like to see if I can help you please feel free to contact me. jacobb@stonebridgenational.com.

What exactly are the VA loan requirements? Can you please list it out
What are the requirements to obtain a VA Loan?1. Service TimeYou must currently be serving in the United States military or be an honorably discharged veteran to qualify. Surviving spouses and members of the Reserves or National Guard can also obtain VA Loans.2. VA Loan LimitsThe VA Loan...

HAMP Program
We have several purchase programs available. Canyou please tell me what you are wanting to accomplish?

Is it better to have the same person do the real estate and loan transaction?
The answer to this is that she needs to give you at least 3 resources to choose from or it is considered steering. Be very careful and check out all your options before jumping in. If you would like to see my options just contact me. I guarantee my GFE. Thanks