15 year or 30 year fixed when I refi? I have been wondering that and confused? what is pro and con?
It would all depend on your personal goal. Rates are so good now, a 15 year mortgage will save you more interest if you are looking to pay off your home quicker, but might have a higher monthly payment and a 30 year mortgage will save you more monthly if you are looking to lower you budget. I would be happy to go...

how do you apply for a loan to buy a house?
You will need to get to get together your last 2 years tax returns and paystubs to see how much your income will qualify a home purchase. With most loan programs now you have to have down payment money. It is never a good idea in my opinion to think about buying a home with no savings. A licensed loan officer in...

Asked to pay points with good credit, is this right?
Rates that are in the paper usually are a few days old and could have changed since then. Also make sure that you look at the small print when looking at rates in your paper. If the lender can not explain to you why the rate is higher than you think it should be, call someone else. The rate is also depending on the...

Is theFed first time home buyer grant still available?
I am in Ohio, so I am not sure about CA, but you might be eligible for some different grant programs. This is not the same as I believe you are thinking of, but your local Lender, or local housing authority can tell if there is anything available in your area. Hope this helps you some, Kitsy Burt

i reside in Ohio and am looking for a jumbo loan upto 90% LTV
Good Afternoon, if you would rather deal with a local lender, we are in Westerville and I would love to help you. There are no upfront fees to get prequalified and I can go over all of the options that are available to you. The company website is www.firstohiohome.com and my direct number is 614-865-4826,...

Can I refinance with a 630 Credit Score?
I would love to go over your options with you! We have programs down to a 600 credit score with no upfront or application fees. Our company is locally owned since 1996, has an A+ rating with the BBB and I personally have 33 years experience. My direct phone number is 614-865-4826 and my email address is...

bad credit
Have you looked at your credit recently from all 3 bureaus? Call me and I will gladly try to help and work with you to get your scores up. Lenders use the middle of the three bureaus and something might be on one bureau and not the other. I am in Westerville, Oh and can be reached at 614-865-4826. Kitsy Burt

How feasible is acquiring an 80-15-5 loan to avoid PMI?
This program is really not available anymore, you might find something like this at a smaller savings and loan, but yes, I would assume higher rates. You can also do a 100% on the rural housing program that is available, but not all areas qualify for this. The 95% conventional and the 96.50% FHA products...

Should I get prequalified or is it unnecessary?
I am located in Westerville, just northof Columbus and will be happy to help with this process. As stated in the previous answers, a pre approval will only make this process easier and avoid future problems. I can be reached at 614-865-4826, Kitsy Burt

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
Good Morning, I am located on County Line Rd in Westerville and have been inthe business for over 30 years. I would be happy to go over the programs available currently and give you options to purchase this house. There is no application fee, so call me, my direct line is 865-4826, thanks Kitsy Burt

Is the minimum down payment for FHA loans being increased to 5%?
As of yet, it is still 3.5%.

if my coborrower gets married can it affect our loan or give that individual rights to my home?
Kim is correct about Ohio having Dower Rights, which basically says that a married partner, even if they are not on the deed or the loan does have a marital interest. You just will not be able to sell or refinance the property without the married partner waiving this interest as long as you are married. ...

my wife signed my name on a poa and had her boss notarize it. is that legal
This is not legal and if this has created a new financial transaction, you should contact the Lender and an Attorney.

Can i get a home loan with 619 credit score
It is possible to obtain a mortgage with your credit score if the low score is not due to a slow or delinquent credit history. I would be happy to review this with you, my toll free number is 866-933-8955 X 247.

What are average loan closing times today?
Most lenders will say the average is 30 days, but it really depends on the loan transaction itself. Several factors can effect the amount of time, the appraisal, title work, or if there is a need to have any income documented in writing. I have closed a loan in as little as 10 days, but the borrower was...

Will I be able to get a mortgage with 40% debt to income?
Based on this information alone, you should also be able to look into a conventional loan with the debt ratio below 45%. I would be more than happy to give you some quotes if you would like. I am in Columbus, Ohio and my direct number is 614-413-0253, Kitsy Burt

My husband is totally disabled and bed bound. How do we get the necessary papers signed by him to refinane our home
Good Afternoon, I would be happy to look at this for you, we have agents in your area bring the paperwork to your home for signatures to start the process and to finalize the process with no upfront or application fees. My direct number is 614-413-0253 or email is dburt@gpnbank.net. Kitsy Burt, Great...

Mortgage company is requesting a short sale on my home for $18,000...
Email me at kitsy@ohiocapitalmortgage.com and I might have someone that can help you, Kitsy BurtKitsy BurtNMLS#230669614-891-9000

IN SEARCH OF A LENDER THAT CAN APPROVE A DTI OF 49%
Good Afternoon, I have several outlets that allow a DTI of 49%. My contact information is below.Kitsy Burt, NMLS#230669614-891-9000 phkitsy@ohiocapitalmortgage.comwww.ohiocapitalmortgage.com

Concrete floors in ranch painted is that good
Good Morning, I would be happy to help you with this are you looking to sell or refinance? If possible can you give me a call, 614-891-9000 or email me at kitsy@ohiocapitalmortgage.com. There are no application fees, thanks Kitsy BurtNMLS#23069/LO#4421.000