mortgage with 6 months of verifyable emplloyment?
Hi,It depends on what your prior situation was. Would you like to schedule a time to talk in my Madison, WI office? My contact information is on my profile.Sincerely,Ritchie

Mortgage with 6 months of verifiable employment?
Hi,You may be eligible for a USDA loan if you choose a house in an eligible area like Cottage Grove, Verona, Waunakee, etc. I have a Madison office if you would like to meet to talk about your situation.Ritchie

I am looking to buy a house, score is 580, but improving no past due accounts or collections. I have a strong cosigner. Any Hope?
What is your timeframe to buying a house? I'm in WI and we have a program that has helped many people raise their scores so they can buy a house a good interest rates. Reviewing your credit report and seeing what all is influencing the score is the only way to make a plan. My office is on Brookfield, WI....

Can my parents purchase a house in their name and then refinance it with me in a 6 months when my credit improves?
Hi, Alot of factors would need to be looked at to achieve your goal. To really know, a person should analyze all the numbers involved in your situation and create a plan. We have a department that has a program of success in repairing credit so people can buy and refinance homes. My office is in Brookfield,...

Getting a jumbo or 80-10-10
Hi,Yes we do. I can do it as a single loan for the full $545,000 or a 80-10-10. My office is in Brookfield only 35 minutes from you. Let's talk by phone about the details. If you would like to proceed after that we can meet in person at your location. My company is www.providencehomelending.com and my phone...

Hi,Yes we do. I can do it as a single loan for the full $545,000 or a 80-10-10. My office is in Brookfield only 35 minutes from you. Let's talk by phone about the details. If you would like to proceed after that we can meet in person at your location. My company is www.providencehomelending.com and my phone...

Buying a House from Family
Renting sounds like the best option based on what you have shared. Now is the time to make two plans to be ready. A plan to improve your credit score and a plan to handle the family transaction of real estate. It's great that some old collections may fall off soon, but you also need to make sure you...

Should I pay off a medical bill that went to collection that is 2-3 years old?
Don't forget to look at what else is affecting your score. There are probably other things on your report that can be done which may have a greater impact on your score in 6 months. To say resolving the second collection alone will give you a high enough score to get a loan, may not be true.

I am looking for a local wisconsin broker/lender to take a look at my report and let me know how to increase my score.
Hi, I'm in Brookfield, WI and work with creditsolutionsgroup.com in Brookfield if we need their input. My number is 262-754-3331.Thanks,Ritchie

I am trying to refi in SE WI and under water. Please help
Hi,You may be eligible for the HARP refinance program or the FHA streamline. It all depends on details of your current loan and the value of your home. My office is not far from you. It's right behind the Brookfield Square Mall. Let's talk by phone or in person so I can get some specific...

Is it possible to get a HARP refinance with a discharged bankruptcy?
Yes it is. However, as others have answered a few more details are needed to evaluate your situation. Instead of posting those details here, give me a call and let's chat about it. I'm in Brookfield, WI which is a ways from you, but willing to help. Click on my picture for my phone number or email me...

Is there a diffence between a loan for an investment property and that for a home that the purchaser planned to live in?
Will may also have to have 6 months of mortgage payments in a reserve account such as a savings account for an investment property. Not for the case for a house the purchaser plans to live in.

How soon can my family get a mortgage?
Hello,Can you clarify a few more things? Was the foreclosure final in Feb 2013 or was the process started in Feb 2013 and is still going on? If it's your home, who is the other party you are trying to force to sell? The bank or another person?

Is DPA an option for going conventional?
With an FHA loan you will have mortgage insurance from 15 years to the life of the loan. With a conventional loan, there are options that can avoid the mortgage insurance in your payment with less than 20% down by working with the lender and have them pay the mortgage insurance upfront through varies...

having 690/700 credit make a big difference?
Hi,Yes, improving your score will help lower your interest rate. It depends on your situation it a credit repair company will need to be hired to gain 5 points. Many times doing one small thing can gain the 5 points. Does spending $1800 offset the savings with a lower payment would be a great question. If the...

Need to lower my mortgage payment
Hi, I'm a lender in Brookfield so we could meet in person to discuss your options. 677 fico works fannie and fha loans. Having to be at the 80% is not corrent. Based on the information you provided, there are options where you can refinance into a fannie loan now and possibly without mortgage insurance. More...

Getting a Mortgage while having legal trouble
Hi, You are getting great answers from those who have already posted as I would say the same things in my answer. I'm a lender in Brookfield and I go to Hartford weekly to pick up my step kids. If you would like to meet in person to discuss, we could meet at Perk Place. Ritchie 262-754-3331...

Does fannie mae have a cashout refi loan program
Hi,Yes, you can do a cash out refinance loan. My office is on the beltline at south towne drive. Would you like to plan a time to talk to know more about you options? 608-227-2005 Ritchie@trustprovidence.com

looking for Wisconsin first time home buyer programs ?
If no down payment is the most important factor, USDA is great. However it isn't available in the city of Madison. Fannie Mae has a first time home buyers program and FHA has nice features as well for first time buyers. The most important thing is a lender who hears your full scenario and shares with you all...

how does a cosigner affect a mortgage downpayment
Down payments amounts required stay the same when a co-signer is involved. A co-signer helps you qualify for the loan when calculating debt to income ratios.Ritchie in Brookfield Ritchie@trustprovidence.com