New Home
Unless you dont have any significant other debt, you should qualify. Todays rate on a 30 yr fixed is 4.25 with no points. Let me know if I can help.Bill Nisbetbill.nisbet@ikonfg.com843.412.3414

How many percentage points should lower your rate be for a refinance to make sense?
Yes. In many cases we can give you a lender credit to cover closing costs. That way you reduce your rate, but dont increase your balance. A no brainer.Bill 843-412-3414

Are there lenders outside of your current lender willing to refi under-water mortgages?
Daniel, The lender fees sound very excessive to me. All I would charge is an underwriting fee of $895 and a processing fee of $150 and possibly could get you a better rate. Your credit score must be 760+ to go to 220% LTV.Give me a call and I would be happy to quote you.Bill NisbetIkon Financial...

Can I get a streamline FHA refinance if underwater?
Yes. I do have some lenders that will do this without an appraisal. You will also benefit if your mortgage was prior to May of 2009. I would be glad to help you.Bill Nisbet843-4123-3414

I need a Ca. lender for refinancing for a $470,000 loan with no closing cost for less than 13 years
We are licensed in CA. Let me know If I can help.Bill NisbetIKON Finacial Group843-412-3414bill.nisbet@ikonfg.com

looking to buy again, had short sale 3 years ago. Are we in the clear for conventional or FHA?
You are all clear for FHA 3.5% down. Call or email and we can discuss in detail.843-412-3414bill.nisbet@ikonfg.com

do i qualify for VA if i have been in the reserves for 7 years?
Yes...Call Today...Bill Nisbet843-412-3414billnisbet@gmail.com

I owe 219,692.91 at a 6.5%. I need at least 220,000.00 to refinance at a lower rate. My credit score is fair.
Without knowing your loan type I cannot answer your question directly, but there are options. You can contact me directly for a free consultation.Bill NisbetBillnisbet@gmail.com843-412-3414

Do you offer VA loans on new construction? Would it be a construction to permanent loan?
VA construction to perm loans are very rare. Although we can offer you a construction line and then close it on a VA once it is completed. Since you already own the land the out of pocket for the construction loan would be very little. Contact me for more details and I would be happy to discuss.Thanks,Bill...