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John Paul Mulchay's Answers


will my child support payments interefere with qualification?
Hi ladeewinters,We would consider the court ordered support in your liabilities so it will impact the amount that you could qualify for. I would be happy to discuss further with you and evaluate your overall scenario to present you with options. Thanks!
Getting a home loan after a short sale
I'm sorry for your loss, jadenmercier78462185. As for obtaining a home loan, the answer is yes, as long as the extenuating circumstances can be documented. In your case, it sounds as if that can be accomplished. To know for sure what your options will be, I recommend a full underwritten approval (by an...
is solar paneling included in Energy Efficient Mortgage through FHA?
jvincento,If you are thinking about adding solar, you'll most likely need to utilize the FHA 203k loan, which is a rehab loan, in order to include the cost. EEM costs are limited for a standard FHA loan. Most home buyers jump right to solar when the most savings can be found by completing an energy audit...
Looking for a HARP refinance in NV
Hi Amber,William covered quite a bit there. I am local and I would be happy to review your current loan and provide you with options that would meet your housing goals. I'm confident that you'll have some solid choices available to you.jp.mulchay@freedommortgage.com702-267-9443
719 Credit Score, Substantial Savings, but Intermittent Independent Contractor Income - is an FHA Duplex or Triplex a Possibility For Me?
FICO score alone cannot offset an income challenge. Today's lending environment requires that your "Ability to Repay" is properly analyzed and documented via tax returns, paystubs, etc. along with a review of your liabilities. Then your new, proposed mortgage amount is added to see if you qualify...

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