If I short sold my last property, will I have to put down a bigger down payment the next time I secure an FHA loan?
FHA - you'll need 2 years after a chapter 7 bankruptcy, but 3 years from a short-sale or foreclosure. There is an exception if you were required to move to a completely different market, and you didn't miss any payments for the last 12 months - and were up-to-date at the time you completed the...

Does FHA PMI cancel automatically? If not, how and when can i cancel it?
The schedule for getting rid of FHA mortgage insurance changes by loan term. o30-year loan term : Annual MIP is automatically canceled once the loan reaches 78% loan-to-value and annual MIP has been paid for at least 60 months. o15-year loan term : Annual MIP is automatically canceled once the loan...

which of you do 95% ltv in california and what would the rates be for a 10/1 loan?
Rates on arm loans are really good unfortunately we don't do 10/1 but we have 3/1, 5/1, and 7/1 you can get a rate as low as 3% if you have any questions please feel free to reach me at 201-673-7205 and we can discuss how they work and if I can get you to a fixed program a safer scenario with a low rate as...

How can I refinance with a jumbo jumbo loan and a high ratios? Is it possible to refin at all?
Yes you can be approved for a jumbo loan it depends on several things but If you have at least a 56% back end ratio then you can be good to go...We are a direct lender so there a easier ways to get approved than if you go with a big bank..If you have any questions you can contact me directly at 201-673-7205

What would the payment be for 950,000 loan at 4.25%
Hi Alan my name is Meena I am an LO here at Inhouselender in Irvine, CA we specialize in refinance and we have great rates for purchases as well please feel free to give me a call and let me know what your goals are or what your looking into I maybe able to be an assistance for you don't limit yourself to...

Any Agents or Brokers looking for lending services or has a senario that would like to go over please let me know
Thank You Barb I was already notified

I will like to buy my first home using fha. The first home will be a 4-plex. Is this possible?
I am located here in Irvine, CA i am affilitated with many other direct lenders such as American Lending and GEM mortgage this loan is definitely doable with 3.5% down of course you have to be making Income, have bank statements to provide that you have reserves and also have a good FICO score, with that...

I am looking for a fha 203k broker/lender in California. I've identified a property, just need to find a lender. please email me.
Hi Tim we are a lender here in Irvine, CA and we do 203K loan our company is called GEM mortgage if you have any questions please contact me on my cell number 201-673-7205

Average time to close FHA vs. USDA loan in CA?
USDA loans are only for rural areas. They take a long time. 60 days is average. You put no cash downFHA loans are for cities or rural. They take 30 days. You put 3.5% cash down. Only you can decide if one is "better"..also keep in mind You only get to borrow based on the appraised value. If the appraisal is...

Can one of you nice professionals explain the requirements for a streamline fha refinance?
Hi Joe I am a loan officer here in Irvine, California I would love to get you to streamline your property it is very simple.all you need is current paystubs just to show that you are still employed also by law you should be saving at lease a 5% tangible our company has aggressive rates and great niches If you...

FHA Loan and Income Based Repayment plan student loans
My office here is located in Irvine, CA which is not too far from long beach and when you have time or may still be looking for help please call me @ 201-673-7205Thank you and have a great Week!!

Want to buy a house for $600,000 in California, dual income $80k / year. What are my options?
Hi My office is loacted here in Irvine, CA I am affiliated with several lenders out here so I have many avenues for you that you may benefit in taking if you already have a house in mind try to get an acceptance letter and I can pull an FHA case number for you before April 1st, 2013 so you wont be stuck with the...

What factors should I consider when comparing mortgage lenders?
Hi I am Licensed here in Irvine,CA and I can help you with all your mortgage needs if you need to purchase or refinance we have a great team in my office. We offer aggressive rates and great service. If you have any questions contact me @ 201-673-7205

Can I refinance my primary and secondary mortgage into one loan?
Hi Tim you definitely can I have a great team here in Irvine, CA that we can get this done for you no problem I am also affiliated with other lenders so you can have the options to get the best rate/servicecontact me at 201-673-7205 and lets chatHave a great day!

Can I get a VA loan if I served in the National Guard?
Hi,I am a loan officer here in Irvine, CA and yes you can qualify for a VA loan if you have served in the National Guard. Please give me a call when you can so we can discuss your down payments options that you are elgible for.201-673-7205

We refinanced in 2009' but our loan wasn't sold to Fannie Mae until Nov. that year. any hope???
Hi Alan, I am a loan officer here in Irvine, CA and may be able to assist you in meeting the goals you want for your house when you have a chance please call me at your convience directly @ 201-673-7205Thank You!!

What is the smart thing to do with a mortgage after divorce?
Hi Veronica, my office is out in Irvine..I will need more information are you trying to sell it, keep it or transfer your name into it? If you have time I'd like the oppurtunity to speak to you and see how I can help. Feel free to call me anytime at 201-673-7205.

Do yoy offer harp2 refiancing
Hi Nmoale, We are located here in Irvine, CA and we go unlimited on HARPS at W.J Bradley. If I can better assist you I will need more documentation. Please call me at 201-673-7205 and I will help you through the process.