My credit 623 . And I have charge of on my report for 5 years already . Will I still get a home loan . My in come 50000 years
With your credit score you have access to government or conventional lending. Then the charge off should not be an issue either. The question is whether the number of liabilities appearing in your credit in relation to income and any deductions reported in your income taxes are affecting your...

Do any jumbo programs allow for less than 20% down?
I can finance a loan up to $2M with only 10% down payment. However, this program has middle credit score/income ratio requirements. Should you need contact contact information please visit www.clearlending.com. Thanks. Joan Gallardo. NMLS# 367858

Foreign National Needs Financing
Foreign Nationals loans starting 4.99%. Call 305-398-7777 or 281-940-2554 or email joan@clearlending.com with a request for financing.

Looking for investor financing for buy and hold property
Submit an application at https://clearlending.com and will go over your options.

Will i be penalized for selling my home that is an fha loan?
No penalty. You will only be responsible to pay full balance plus one full month interest payment at closing regardless of date of month. Then no matter how soon you pay off mortgage closing costs will not be refunded as expressed in Truth-In-Lending.

How much mortgage would it take to have payments of $700 month PITI?
It depends on your credit score, taxes of property, home owners insurance required in the area, type of loan (FHA vs Conventional) and down payment to obtain right amount of mortgage insurance.

Hello I am in Texas I am a first time home buyer will I have to take a home buyers course for a bond program?
You do not have to. Just advisable if you feel after meeting with loan officers you still feel don't have a full understanding of loan process and what it entails becoming a homeowner.

mortgage was sold and now i'm paying more - help
Call your bank/lender and ask to break down your monthly payment and find out if bank has recently experienced a shortage in funds when bank tried to pay yearly property taxes and/or homeowner's insurance renewal. I would think the sudden increase has to do with the fact taxes and insurance may have...

Does a mobile home on leased land qualify for a VA loan
I understand under certain circumstances you can do a VA loan with manufactured homes as long as land is leased longer than loan term.

what is the best 30 year fixed rate in New Orleans?
On a $400,000 Purchase and 30 year Term rate would be 3.875%Payment would be $1,786.90/month. This assumes 740 score and 5% down payment with Mortgage Insurance of 0.62% and an APR of 4.996%.

do you refiance commercial property appartment building
Hi Mary I am a local broker (www.clearlending.com) with commercial lending options. Please email me your scenario at answers@clearlending.com and I will get back with options. Thanks.

I am looking to purchase a new home, and rent out the one I currently live in (it is paid off). Would my best bet be to get a HELOC on my current home, or get a new loan?
I think rates for primary residency mortgages are better than HELOC rates.

I have a full time and part time job. I was told that the income from the part time job can't be counted? I've been there over a year.
You need to have part time for 2 years minimum.

VA Loan with 560 score possible?
Yes Clear Lending can do VA with 530 scores:530 Fico 41/41 ratios on DTINo F/BK/SS for 2 yearsNo NSF's past 60 days. Clean Credit for past 12 months.Comp factors that help are:o3 months reserves.oNo payment shockoHigh disposable income.We will follow DU Findings, however if DTI is high the UW is going to...

Me= Good Income, Low Score. Husband= 624 Credit Score, Low Income. Can We Buy a Home?
Mrs. Janet I can do as low as 530 scores. All it requires is a manual underwrite and make sure the reason for your low scores is not due to late payments in last 12 months which would make it harder. Feel free to submit a request for info at: https://www.clearlending.com/en/get-pre-approved

IN NEED OF A HELOC BUT HAVE CREDIT ISSUES AND DO NOT KNOW WHAT COMPANY WILL CONSIDER MY CREDIT RATING
Is this a primary or investment property? I can do cash out starting with 500 depending on how much you owe in relation value of your property AND occupancy. Feel free to submit your information at www.clearlending.com.