My wife and I are looking at buying our first home. We don't have the best credit but it's by far not the worst either and we do have the money to payoff any past due accounts on our credit reports. What we need to know is what do we do first? Do we pay everything off first or approach a lender first and let them tell us what we need to payoff
It would be good to for us to run the credit see what the income is to help you get a broad understand and time frame of when this all should happen. PLease call me directly at 949-200-5820Nicholas Mosswww.DirectYourOwnLoan.com877-677-5535 ext 220

I do not have a current fha loan, my appraisal value is 192000 and I owe 200000. my current loan rate is 6 5/8 and would like to refinance to a lower rate but my lendor is telling me I dont have many options. My credit score is 770 . what are my options?
You have two options... the biggest thing is who owns your loan...Please call me at 949-200-5820..Nicholas Moss Directors Financial Groupwww.Directyourownloan.com877-677-5535 ext 220

Refinance
you will be looking at 3.375 15 yr fixedor 3.75% 20yr fixed. Also you have to be in this critria.325K value225K Loan amount740+ FicoFull Doc

Is cash out refinance higher rate?
Hello Scott,Cash Out rates get Higher with certain loan to value. if the loan to value is 70% and below the rates are beautiful. Once you get in higher loan to values rates do jump. But this is also depending on Fico Scores. Please call me at 877-677-5535 Ext 220