What is better co-borrower with not so great credit or no co-borrower at all?
If you don't need the co-borrower to qualify, it would be better to leave them off. The credit score used will be the lower of the borrower's and co-borrower's, and if the co-borrower's score is too low the loan will be denied. If the program you are using is priced based on credit...

Need A Lender. FICO 650..looking for FHA with the best rate
I'd love to help too, but since I'm a TX lender I know that the maximum FHA loan amount for Harris county is $271,050.00, so you won't be able to get a FHA loan unless you put more down or buy a less expensive house. You can check rates for your scenario on my website at http://www...

ballpark info on rates
Bank statements to verify income? VA requires paystubs and W-2's if you are employed, tax returns if you are self-employed. As far as credit scores the average doesn't matter. Two of the 3 scores for each of you need to be over 620, ideally 640 since some lenders have established that as their...

I have an average credit score of 695 and make 50000k a year what kind of home loan can i qualify for.
There are several different types of home loans you could potentially qualify for. To find out for sure you really need to apply for a loan.

Mortgage rate?
None of the items you mention should even be on your credit report anymore, they are too old. The rate depends on a lot of factors that you don't mention, but 5% would probably be too high. If you are in TX, contact me and I will try to be of more assistance.

What do I need to qualify for a 4% home refinance?
From what you've told me so far I think I could do this loan at 3.875% with no closing costs (lender would pay all your lender and title fees). You could also go down to a 20-year fixed at 3.75% with no or very low closing costs. To find out for sure you would need to fill out a loan application.Martin...

What rates are available to me for a home refinance?
If you'd like to get an exact quote, my website will give you one. You can get a rate quote at http://www.dreamhomefunding.com/rate Assuming you are looking for a 30-year fixed, 4.25% with no closing costs (lender paying all costs, not financed costs) would probably be correct right now.

what are the rates now if I want to use my Va loan....
You can get an exact quote for your loan scenario on my website at http://www.dreamhomefunding.com/rate Your request here doesn't have enough information for anybody to answer accurately.

how official is a good faith estimate?
The real issue here sounds like the fact that your lender didn't structure the loan to meet your needs (ie no closing costs). If you'd like a loan with no closing costs, I offer them. Feel free to call me at 325-651-2100 to discuss.

Does disability income count on mortgage qualification?
Yes, as long as the income will continue for at least 3 years it can be counted for qualification.

Are we obligated to finish the process of refinancing with the first bank found online that stated zero closing cost, even though we are not too happy with their lack of communication, high closing costs and their appraiser's requirements for repairs before we can close on a VA no cash out refi?
You do not have to close with a lender you started your refi with. In fact, even after you close you have 3 days to change your mind.There are many lenders on Zillow who are violating the law and Zillow's guidelines by bait and switching clients. If the rate/fees you were quoted on Zillow were much better...

Looking for a lender to help with a 6th mortgage. This is for an investment property.
We can finance it as long as you will be under 10 financed properties counting this one. Apply online at http://www.dreamhomefunding.com/ Call me at 325-651-2100 if you have any questions.

Mortgage with only 1 W-2
I wouldn't rule it out, but the only way to know is to apply.Go to my website http://www.dreamhomefunding.com/ and click the buttons that say "Loan Application Step 1" and "Loan Application Step 2" and follow the instructions to apply for the loan. Call me at 325-651-2100 if you have any questions or...

I owe $100,000 on a home equity loan, with 5 years left on my 15 year mortgage... should go with a 30 year mortgage refinance?
Possibly, but we'd need more info to answer that question. Call me at 325-651-2100 and I'll help you figure it out.

What is the Difference Between Points and Prepaid?
Points are closing costs paid to a lender to reduce the interest rate on your loan. Prepaids are items like interest, homeowners insurance, taxes, etc.

Is there a low downpayment offer for a 2nd (primary) home purchase?
If you are going to be buying the new home to live in it will not be a 2nd home, but your primary residence. Depending on the loan program you qualify for you should be able to buy it with as little as nothing down. Call me at 325-651-2100 to discuss further.