could i go zero down for VA with a 620 credit score?>
You can and my company goes down to a 550 FICO on VA loans, but there could be certain things on your credit profile that might disqualify you. It's important to check your credit and have a mortgage professional review the report for any potential issues. My company specializes in VA loans with low FICO...

5/5 ARM verses 30 yr Fixed
It depends on the amount of interest you happen to be paying each month so just to be safe we should rule out any caveats. Could you answer a couple questions for me? (1) How long have you been in your current loan and what is your monthly mortgage payment? - please break into principal, interest, tax, and...

When we refinance an FHA loan, do we still pay the upfront MIP on the new loan amount?
Depends on if you refi into a conventional loan or another FHA. If it's conventional then no if it's an FHA then yes.

What mortgage interest rate woudl be appropriate for a credit score of 718
The short answer is 3.750% APR on a 30 year fixed rate mortgage. Keep in mind that a lot that goes into determining your interest rate so keep in mind that 3.750% APR is a best case scenario. Make sure you are looking at the APR and the term when shopping lenders. If you're interested in finding out more about...

I am looking for a lender who can help me with a refinanae but at 85% LTV.
I am an experienced mortgage professional with Carrington Mortgage and I'm based in Orange County. I'd love to earn your business. Let's invest a few short minutes on the phone going over your options. My phone number is (949) 529-0784 and my email is michael.johnson@carringtonms.com. Thank you!

refi jumbo @ 90LTV
You don't qualify unless you can find a lender who will do a jumbo ARM at 3% or less, but given the details you provided I'm guessing you would need a hard money lender. If you go the hard money route you would need 20K minimum to get the rate down to 3%. The reason most lender will turn you down is because your...