I want to buy a forclosure that is under your company
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Is there any difference between a short sale and a foreclosure in terms of how they affect your credit?
You have received some great answers to your question. Kimberly Lawson's is probably the most complete and on target.

how much is the closing cost on a refinance 30 yr fixed loan for 40000
It will depend upon the appraised value, is it owner occupied, your credit score, & various other factors. I would be happy to discuss it with you. John Frost Union Savings Bank 513-477-7908 NMLS298280

Is there a tax liability if two buy a home together, but one pays more down than the other?
That is a question for your Accountant.

Can I refinance (with zero closing costs) and put my house on the market or do I have to commit to living here 1 more year first?
As mentioned in previous post, there are closing costs with every loan. The bigger questions are: 1. What is my out of pocket cost?2. What is the rate? 3. How much are you adding to my balance? There are other factors that will determine whether a refinance willbenefit you. I would be pleased to discuss your...

My credit score is 651- my husband and I are in a leasing to own contract and want to buy the house- they are selling the house to
Hello, I am John Frost with Union Savings Bank. We have several options to offer including down payment assistance, for qualified borrowers.Give me a call to discuss your situation at 513-477-7908.

I own my home and want to get cash out on its value but no one will give me a loan cuz i already have another mortgage
Give me a call @ 513-477-7908. I may be able to help you.

I have a loan modification currently on my home. I would like to use my VA Loan and refi to get out of my high interest rate. The
If you are in OHIO, give me a call @ 513-477-7908. I may be able to help you.

what time of year is best for buying a house
NOW! Most of the homes currently available have been on the market since last fall and have reduced their prices to about as low as the sellers intend to go. The new spring listings usually start high and reduce through the year. Then you must consider rates for a mortgage and they are expected to rise...

Will I qualify for an FHA loan in Ohio with 670 credit score
You qualify as far as your credit score is concerned. However, there are other factors that are important to qualify for a mortgage. Give me a call at 513-477-7908 to discuss your individual situation. Or you can email me at john@www.mycincinnatimortgage.com

How long does the seller have to respond to our offer on their house?
Your offer should have stated a date & time it would expire. If I may be of further help to you, please contact me at jfrost@usavingsbank.com . NMLS298280

are there any down payment assistance programs in ohio
Yes!! We have grants up to $5,000 plus other assistance programs, for qualified buyers. Lets qualify your situation & see if you meet the eligibility requirements. All the assistance programs do have restrictions. You may contact me at 513-477-7908 or jfrost@usavingsbank.com