With an 800+ credit rating..What is the current mortgage rate in HarfordCounty? Can get an estimate of closing costs?
It IS a great time to refinance. Rates are historically low. More information is needed to provide you with an accurate rate quote. Patriot Mortgage offers some of the lowest rates in the area and we are right down the road in Laurel. Call me on my cell (804-677-8588) for a free, no obligation quote. Would...

I'm looking at my options to refinance our 2.5 year old 30 year 5.0% fixed conv. mortgage...
Rates are historically low right now and a 3% 15 year loan is not unrealistic at all. Patriot Mortgage is located in Laurel, MD and we deal with over 20 lender. This enables us to have some of the most competitive rates in the area. Call me to discuss you scenario in detail - cell#804-677-8588. Lynn Kinsel

Do you do 80-10-10 loans
This type of financing is available along with other financing options that may appeal to you. To discuss your scenario in depth, please call me at 804-677-8588 - Lynn Kinsel, Patriot Mortgage, Laurel, MD

Any ideas of where I can refi my loan?
Please call me - I can lend over 125% LTV under HARP2. Lynn Kinsel, Patriot Mortgage Corporation, Laurel, MD 804-677-8588 (C)

HARP 2.0 through current lender is a little more than $10k to close
More information needed to determine what makes up the $10K they want to finance into the loan. I am a licensed loan officer with Patriot Mortgage, a licensed mortgage broker in Laurel, MD. Call me and I know we can get this done for you at a lower rate and lower closing costs. Lynn @ 804-677-8588 (c)

Should I refi my 5 yr adjustable interest only loan?
To make sure i understand what you are saying, you put 20% down then obtained a 1st mortgage (30 year fixed) and a 2nd mortgage (5 yr ARM, interest only) correct? Also, are you trying to refinance just the 5 year ARM or the entire mortgage on the home? Exploring your options is never a bad thing but more...

Does anyone do an 80/10/10 for a second home in Virginia?
Would need more information as to where in Virginia the property is located but yes, there are lenders who will do an 80/10/10 for a second home in Virginia. I am a licensed loan officer serving VA, MD & DC with Patriot Mortgage in Laurel, MD. Call me at 804-677-8588 to discuss you situation in more...

Looking for a 90% LTV refi loan in VA
I can certainly help and I'm eligible to do VA loans if you want to go that route. Together we can explore all of your options. I'm licensed in VA, MD & DC and I work for a locally owned mortgage broker, Patriot Mortgage Corporation in Laurel, MD. Call me at your earliest convenience, Lynn...

Any Wholesale lenders funding Freddie Mac OPen access Harp2.0?? in Florida
Caliber Funding in Tampa has just started offering them.

How can my parents refinance their underwater home?
If their loan is owned by FNMA or FHLMC prior to May 31, 2009, they may be eligible for a HARP loan. For more information, please call me Lynn Kinsel NMLS#259810 @ 804-677-8588. I am a licensed loan officer for Patriot Mortgage based in Laurel, MD.

Conventional loan with brother-in-law as a non occupant co-borrower
FHLMC allows a non-occupant co-borrower and will consider all debt/income in the qualifying equation. BUT... specific requirements must be met regarding your sister's self employment. More information would be needed to determine if those requirements can be met. William did have a good idea of...

usda or fha loans
I'm not aware that FHA or USDA has a minimum loan requirement however, lender overlays will dictate what their minimum loan amount is. Find a mortgage broker in your area and they can find out what the mimimum loan amount is for each of the lenders they work with. Lynn Kinsel, Patriot Mortgage,...

can I get preapproved for a loan online?
I have to ditto what everyone has said, yes you can do it but I recommend working with a loan officer whom you can meet face to face and who is familiar with your area. Lynn Kinsel, Patriot Mortgage - 804-677-8588, licensed in VA, MD & DC.

My home is zoned agriculture
I am a mortgage broker in MD and I have one lender that would consider the property/situation you describe. However, I would need more information before determining if the overall transaction is doable. To discuss your situation, please call me at 804-677-8588. Lynn Kinsel, Patriot Mortgage...

Are there any HARP 2.0 lenders who will work with you after filing a chapter 7 bankruptcy?
I am a mortgage broker in Laurel, MD and would be happy to discuss your situation with you to determine your eligibility. I can be reached at 804-677-8588. Lynn Kinsel, Patriot Mortgage Corp.

im in a no interest loan,i been in that loan for a couple of years.now i want to refinance now,i went to my mortgagecompany my cur
Please provide more information. Can't quite figure out what you are asking. Lynn Kinsel Patriot Mortgage lkinsel@patriotmtgcorp.com or 804-677-8588

How long before a pay increase is considered on for a refinance application?
the lender should be able to get a verification of employment stating your next raise and a paystub to show you've gotten it. Lynn Kinsel Patriot Mortgage 804-677-8588/lkinsel@patriotmtgcorp.com

Should I refinance?
I am working with a borrower who is in a similar situation. Even with the current MI rates, she is still saving $137 per month. I am also able to pay for her closing costs AND escrows with a streamline transaction and no appraisal. I am a mortgage broker based out of Laurel, MD. Please feel free to call me with...

we are doing lease to purchase at this point and paying off all our credit cards
A lender is going to count every payment owed on each account with a balance. There is more to an optimal credit score than keeping your balances low. I would be happy to discuss this further with you. I can be reached at 804-677-8588 and am located in Midlothian. Lynn Kinsel NMLS#259819

Is there any refinance program available for an underwater FHA condo?
There is help for FHA loans that are underwater and William's response is dead on. I'm a mortgage broker serving VA, MD & DC. Please fee free to contact me for more information. Lynn Bossi Kinsel NMLS#259819, Patriot Mortgage NMLS#188916, cell #804-677-8588.