I just refinanced my house, but considering converting it to an investment property and moving into a rental. Can I do this?
Regarding the 12-month rule to reside in your home after a refinance; When you apply for any type of mortgage loan, you have to verify on your closing documents that you intend to occupy the home as your principle residence for at least 12 months. FHA, Fannie Mae and Freddie Mac now have a "check...

Is there such as thing as 5% down mortgage?
YES! I can assist you with financing either an FHA loan with 3.5% down or a Conventional loan with a minimum of 5% down. In my opinion a 5% down conventional is the way to go for multiple reasons over FHA: Benefits of conventional mortgage versus FHA:- Less inspection requirements versus FHA (extra...

What's the best option for me??
If you'd like, I could take a look at your tax returns the past 2 years and determine your income to see if you qualify for your home loan. Sounds as if your credit scores and income are good - just need to determine your debt to income ratio so we can chose a loan option that's just right for you. I am very...

what are the mortgage rates for a 5 year arm in georgia
At Fidelity Bank Mortgage, as of Friday, the % Year ARM was 2.75%.Warm regards,Kim Jones-ZweigSenior Mortgage BankerFidelity Bank Mortgage3490 Piedmont Road, Suite 750Atlanta, GA 30305p: 678.468.4046 | f: 678.829.0612e: kim.jones@lionbank.comw: www.kimdjones.comNMLS# 545217FIND ME ON FACEBOOK:...

What interest rate can i get on a 30 year fixed conventional loan with credit score of 760?
Depending on your debt to income ratio and type of property you are buying - 4.375%Warm regards,Kim Jones-ZweigSenior Mortgage BankerFidelity Bank Mortgage3490 Piedmont Road, Suite 750Atlanta, GA 30305p: 678.468.4046 | f: 678.829.0612e: kim.jones@lionbank.comw: www.kimdjones.comNMLS#...

If you have been approved with a VA loan can you change to another mortgage company if you haven't purchased a home yet?
That's up to you; depends on how far along you are in the loan process, and if it will still allow you to close in time if you are under contract on a home. If you are not under contract, yoiu can shop around for current mortgage rates and compare closing fees. Let me know if I can help. http://www.kimdjones...

Can Disability be counted as income for a mortgage loan?
Yes - it sure can! Let me know if I can help you!Warm regards,Kim Jones-ZweigSenior Mortgage BankerFidelity Bank Mortgage3490 Piedmont Road, Suite 750Atlanta, GA 30305p: 678.468.4046 | f: 678.829.0612e: kim.jones@lionbank.comw: www.kimdjones.comCLICK TO Apply Here!NMLS# 545217FIND ME ON...

rates for jumbo loans with 731 credit score
As of today (rates change every day), your rate would be around 4.125% for a Jumbo 30YF Loan.Warm regards,Kim Jones-ZweigSenior Mortgage BankerFidelity Bank Mortgage3490 Piedmont Road, Suite 750Atlanta, GA 30305p: 678.468.4046 | f: 678.829.0612e: kim.jones@lionbank.comw: www.kimdjones.com

Can i be on the fha loan if I do not live in the property?
Yes, as a non-occupant co-borrower.

Can you do a rate and term FHA on an Investment Property?
FHA loans are designed only for homeowners who are going to live in the property - so you cannot use an FHA-backed loan to buy or refinance an investment property. However - if you should make an investment purchase in the future...you can take advantage of the exception to the rule that allows the...

If i file selfemployed for mortgage how many returns do i need to show and do i provide my business license?
The past two years of personal and business returns are required. The underwriter will look up your company on the Secretary of State web site so you don't necessarily have to send us your business license. Unless you are financing under our "100% FINANCING FOR DOCTORS LOAN", (no down payment), then...

Can i do a homestyle refi to get rid of mi?
Yes! You can refinance in to a renovaion loan from FHA or, if you want to eliminate PMI, refinance in to a renovation loan from Fannie Mae! Only 95% loan to value needed! Call me...678.468.4046

recently divorced but credit still ok can i get approvel?
No, despite most divorce situations, many can still successfully get a mortgage. By providing me with the most accurate and true picture of your circumstances -- starting with the loan application -- you're helping me to find the best way to structure your loan for a favorable credit decision. I will...

If I give a down payment for USDA can i forego paying the mortgage insurance?
There is no mortgage insurance (PMI) on a USDA loan. That's one of the benefits of this loan program. Even better, USDA mortgage rates are often the lowest among FHA mortgage rates, VA mortgage rates, and conventional loan mortgage rates.Let me know if I can help....kim.jones@lionbank.com

trying to decide if a conventional or fha refinance loan is the best way to go.
That decision depends on your credit score, debt to income ratio and the equity you have in your home.

Veteran looking for a VA LOAN
Yes, you certainly can. Please let me know how I can help you.....www.kimdjones.com

Can I use my homestead exemption for an investment property, or do I have to live there?
No - you have to live there. Homestead exemption is for primary properties only.Warm regards,Kim Jones-ZweigSenior Mortgage BankerFidelity Bank Mortgage3490 Piedmont Road, Suite 750Atlanta, GA 30305p: 678.468.4046 | f: 678.829.0612e: kim.jones@lionbank.comw: www.kimdjones.com

Procedure for Getting Financing for a First Time Home Buyer
Hi! I can take a look at your credit report and let you know what your may qualify for. If you are ready to get pre-qualified for your home loan, please access http://www.kimdjones.com to apply for your home loan. Just scroll down until you see my photo, then click on "APPLY NOW", register and fill in the...

What are the chances to get approved to buy a new home with a 680 credit score?
Chances are high! That's a pretty good score. Unless you've had a bankruptcy or foreclosure in the last year....you should be fine. Let me know if I can help.....Kim Jones-Zweigwww.kimdjones.comkim.jones@lionbank.com

buyer is getting USDA HOME LOAN ,lender wants seller to pay closing cost upfront. Is this normal.
No. Not that I know of. We don't require that. And I finance USDA loans all the time. Strange....