Do I need to notify my lender if I am the owner of a C-Corp?
It's irrelevant if you are the owner of a C corp. is the home owned in your name personally or did you deed the title over to the company? Either way you can only refinance in your name personally as mortgage loans aren't lent out to corporations. Feel free to email me directly at...

80/10/10 mortgage or alternative to No PMI
Hello,We would be able to do an 80/10 where we would go to conventional cap of $417K on the 1st and have a small equity line for the remaining portion so you can take advantage of conventional pricing over high balance and make as little as an interest only payment on equity line.Email me to follow up...

My mortgage is owned by Freddi Mac (settlement date 5/12/2009.
If it was sold to Freddie Mac by June 1st, 2009 then you will qualify for the government sponsored HARP program. Rates for that program are currently as low as the mid 3% range.We are delegated with both Fannie Mae and Freddie Mac so we have unlimited Loan To Value for HARP loans. Feel free to contact me at 949...

can we still get an fha with 3.5% down or has is gone to 5%?
There are multiple low down payment options available to you. FHA is still at 3.50% down with Conventional loans raising the minimum down payment from 3% to 5% as of mid-November. There are other programs available as well, one should help you depending on your exact situation. I'm available to discuss.

What would be my FHA loan rates with a 726 credit score
If the loan is within conforming limits your rate could be reduced by as much as 0.25%. With current pricing a rate of 4.00% as opposed to 4.25%.

Should i pay 2 year old collection?
When you immediately payoff a collection your score will actually drop. You should check with your lender first to see if its required to payoff that collection or not. Also once they check your credit they'll let you know if it behooves you to pay it off or not, but as I mentioned, initially it'll drop...

what is the best no cost refinance 30 year rate in CO springs for Feb 10, 2014 ?
Assuming every aspect of your file is stellar you would be somewhere in the neighborhood of 4.625% give or take. That's with all lender costs and all third party costs being credited by the bank.

will having defaulted on past student loan mess up my ability to get home loan?
That one factor won't negate your ability to qualify for a home. Your FICO might be lower for that, but FICO primarily affects the interest rate, only when the FICO score is very low does it affect your ability to qualify. Other factors like down payment amount, savings amount and income will play a much...