I need a lender in Arizona for a refinance immediatly
I do Manufactured home loans. Please give me a call at 888-889-9950. Bert CarpenterNova Home LoansNMLS 40586 ~ BK 0902429

Mortgage Brokers - Are you a Trusted Mortgage Professional?
So is there a question here or are you just pitching your program?

My site developed by Lender Home Page. Does not come up on Arizona VA Loan search in 411 site
Paul, This is the section for consumers to ask questions. For Technical question, go to the bottom of the page and use the "Contact Us' Link. Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in Arizona (AZLO0911876 / AZBK0902429), Washington (WALO40586 / WACL3087) and...

Revealig my assets
The best answer is Yes. Even if the funds in the non-disclosed account(s) are not needed to facilitate the closing (or establishing reserves). If you were to find yourself in financial trouble later on, resulting in a foreclosure, etc. I would hate for you to be subject to criminal prosecution for fraud...

Resold mortgages
In today's world, almost without exception, all mortage lenders sell the underlying paper that your note represents. They may or may not also sell the servicing rights. You should always pick your mortgage lender based on the reputation and pricing of the originating side of the transaction. ...

Lender needed
Your best bet is to spend a little time searching for a mortgage banker or mortgage broker who is willing to take the time to help you resolve your credit issue to get your score up. Don't bother with one of the big banks. If you have poor credit, all they will do is tell you NO. As a Mortgage Banker here in...

Loan Contingency Removal Question
Having a seller ask for the loan contingency to be removed is fairly common, as is asking for lender written approval. Unfortunately in today's world, getting your lender to "Guarantee" Funding within 30 days is almost impossible, especially if you are using one of the big banks as...

Buying home with IN LAW,share costs??
Does title really show Husband, Wife, In-Laws each have a 1/3 interest? It would seem to me that if Inlaws put down $40, and you put down $40 (including rehab costs) that you and Husband would have 50% and In-laws would have 50%. However, assuming you and Husband do own 2/3, you would normally split...

not "Fannie Mae compliant" property
As you look to buy a home (or Condo or Townhome), one of the things that is often overlooked is the saleability of the home when you are ready to move on. In years past, when money was easy, everyone was willing to lend on Townhomes and Condos. Today, not so much. Many projects are not lendable with Fannie,...

Credit Report has no Score!
Unfortunately, the FTC rule that requires the big three credit agency to give you a copy of the credit report they have for you does not require them to give you the score. I agree with William, you should seek out a Mortgage Broker or a Mortgage Banker. Both of these types of mortgage lenders have the...

California Purchase and Renovation Loan Lender?
There are many lenders that offer renovation loans. Because of their complexity, that is they are not the cookie cutter loans, most high volume lenders don't want to fool with them. Therefore, most lenders don't do them, and I suspect you will not find any internet lenders that will. That...

What to do?
The first thing I would do is contact the selling agent and ask if they received your subsequent offer of $325,000. If they did not, the next step would be to contact your agent's broker. Every Real Estate Agent has a Designated Broker that they report to (unless your agent is also the broker, which...

buying shortsale and re-applying for pre-approval
Assuming your credit was acceptable at the time of the initial application, there is no need for them to pull it again until you submit the accepted contract. At our organization, once the borrower is pre-qualified and begins the shopping process (short sale or otherwise), we do not re-pull until the...

iving in Nebraska...buying investment property for my retirement
Managing Rental property long distance is not for the faint of heart. There are a lot of things that can go wrong, which is why IF you want to pursue this, you would need to start interviewing RE management companies to find a really good one. Get at least 4 different references from each. Keep in mind, they...

can't buy a condo with conventional financing?
The biggest reason you are having difficulty in finding financing for a condo with a high level of units late on their dues is that lenders know that most homeowners' associations budgets are finely balanced, meaning that the dues generally produce just enough to pay monthly obligations and...

Unfortunately, this is exactly why so many Professionals in the industry will tell you not to use the big banks or on-line only mortgage lenders. The bigger they are, the more they feel they have no accountability to doing the right thing by the borrower. The first thing you should do is immediately...

Can I refinance if I am relocating?
Assuming you and your wife are still married, and you take the home off of the market. you may be able to do a streamline FHA refinance to a new 30 year loan. The FHA lender will need to feel comfortable that the home will continue to be owner occupied (by at least your wife) and they will probably require the...

20 year ficed
Yes, 20 fixed rate loans are available.

Type your mortgage or real estate question here
I actually have a mortgage from a smaller servicer who does this regularly. I think they are hoping to be able to collect a late charge. But I beat them at their own game. In most (if not all) states, when you sign the note, you promise to pay on time. The note and the law don't require them to issue you a...

Question about re-amortizing my loan
This could be a great opportunity, HOWEVER, you did not give enough information about your situation to be able to advise you properly. I have counseled several clients through similar situations, and would be willing to discuss this further with you to help you get a better handle on what they are...