What might delay approval of my loan?
The most common delay is caused by incomplete documentation being submitted to underwriting. At Southwest Funding we try to insure that the file is complete before it is submitted.Tommy PeoplesBranch ManagerSouthwest Funding877-634-2390

Multi-family home/Probation
I would like to help you with your purchase. My company is a direct lender but if we cannot resolve the verification of employment issue then we do have the ability to broker your loan to one of our partner lenders. And we are located in Daphne so we will be local for you. Please give me a call at 251-621-3247. ...

Anything I can do besides sell my house?
You need to refinance into a new 30 year fixed rate mortgage at today's historically low rates. Please give me a call and I will be glad to take a look at it for you. Tommy 877-634-2390

FHA Loan completely underwater, any help?
I find it hard to believe that your home value is that low when you took out a FHA mortgage just three years ago and still owe an amount twice the value. Housing values in Montgomery have been stable over the past three years. My office is outside of Mobile and we do a lot of refinances in the Montgomery area so...

Does disability count as income for a mortgage?
Linda, Absolutely. Give me a call at 877-634-2390. My office is in Daphne just outside of Mobile. Tommy Peoples, Branch Manager, Southwest Funding.

Unaffordable mortgage payments, need help
There are programs available for homeowners in your situation. I would be more than happy to help you with this. Please give me a call at 877-634-2390. Tommy Peoples, Branch Manager, Southwest Funding, Daphne, AL.

Refinance
Absolutely!!! You have a great opportunity to take advantage of today's low rates. Please give me a call at 877-634-2390. Tommy Peoples, Branch Manager, Southwest Funding, Daphne, AL 36526

No cost refinance for a LTV of 85%
I would be glad to take a look at this for you and work up some options for you. Rates are in the middle 3s to low 4s so you should be able to save some money. And our closing costs are among the lowest in the industry. Give me a call to discuss. Tommy Peoples, Branch Manager, Southwest Funding, Daphne, AL ...

New home purchase loan in Alabama
Rates are the best that they have ever been. You are probably looking at a rate in the 3s to low 4s depending on the length of the term. Please give me a call at 877-634-2390. Tommy Peoples

Can owning a boat or a business be considered collateral in the absence of good credit for a mortgage?
Kyle, I can help you with this. While there is no substitute for good credit, yours i not that bad at 635 and would not disqualify you from obtaining a mortgage with us. Please give me a call at 621-3247 in Daphne. Tommy Peoples, Southwest Funding

FICO credit score of 721, need to buy a home, can I do it?
Thelio..........based on the information that you have provided you should be able to qualify for this purchase!! I am local, in Daphne, so please give me a call. Tommy Peoples, Branch Manager, Southwest Funding 251-621-3247.

Middle FICO Score of 675, can I qualify for a home mortgage?
It does appear that you would qualify for a mortgage based on the information that you have provided. There are differences in the FHA and Conventional programs but we can check both for you to see which one would be your best option. My office is located in Daphne so we would be local for you too!! Please...

What is the lowest mortgage rate I can get for a 200K mortgage?
It depends on the program, i.e. conventional, VA and FHA have different rate sheets. My office is in Daphne so please give me a call at 621-3247. Tommy Peoples, Branch Manager, Southwest Funding.

Is there a loan for us?
Yes there is hope. I am the Branch Manager at Southwest Funding in Daphne, AL. We do a lot of VA mortgages. Please give me a call at 251-621-3247 or email me at tpeoples@southwestfunding.com. Tommy Peoples

Need Some Help If Possible
Instead of trying to figure out the glitch with this why not just give me a call. I am down in Daphne, Alabama and would happy to speak with you and help with any questions that you have. Tommy Peoples, Branch Manager, Southwest Funding. 877-634-2390

Reverse Mortgage Question
That is not true!! Your father's heir(s) will have first option to refinance the mortgage into their name if they want to keep the house or to sell the house if they desire to go that route. No different really than if it were any other kind of mortgage. Please give me a call to discuss. Tommy Peoples,...

How does student loan debt not currently due affect DTI?
No the student loans are deferred for over three years so they would not be included in your debt to income calculation for the purpose of obtaining a mortgage. Tommy Peoples, Branch Manger, Southwest Funding, Daphne, AL, 877-634-2390

With rates low does it make any sense to pay points to reduce the rate even further on a 15 year fixed rate refinance?
I am licensed and do refinances in Mississippi. I agree pretty much with the other two gentlemen's responses to your questions. The time to recoup you cost of paying points can be calculated as well as the bottom line effect on what you new monthly payment would be. If you need help with your refinance...

I am trying to find a mortgage company to do a Harp Refinance for my daughter
Mr. Holloway,I can certainly help your daughter with her refinance. My office is in Pensacola and I am licensed and do mortgages in Alabama. Please give me a call at 855-688-3349. Tommy Peoples, Southwest Funding.