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Demir Bracic's Answers


V.A. loan with charge off on credit report
You know, its been over a year and rates have dropped. Have you considered doing a IRRL? Now is a great time to do this. Give me a call at 949.276.8526 or go to my site www.demir.la We'll do a loan with no costs out of pocket.Demir
Are there any FHA loans available in eastbourne
Absolutely Aime. FHA loan limits are based on county. If you'd like to see what you qualify for give me a call at 949.276.8526 or email me direct at dbracic@gmail.com
Underwriter not accepting VOR for purchasing the home we've been renting.
This is a touchy area. When it comes to Underwriters, documentation is king. While reciepts may not be enough, deposits into the landlord's accounts may work. If you'd like me to give it a go, give me a call direct 949.27.8526 or you can email me direct at dbracic@newleaflending.com. I can get one of my...
Where can i obtain the current interest rates mortgage refinance for a 695 credit score in southern ca?
Hey Jimmy. That's a good question. 695 is a 2 - 3 tier which is still considered good. There are a ton of determining factors that create the rates, but you're looking anywhere from a 2.5% Interest Only to upwards of a 5% with little money down and no PMI.If you check out my site at www.demir.la you can see live...
I am married to a foreign spouse. I am applying for FHA. Why they still need her social?
FHA has a requirement that will add the spouse's liabilities to give a true Debt to income ratio. This should have been addressed up front during the preapproval process and been asked by the underwriter. This will cause an issue for your closing. If you need further clarification, please give me a call...
DO YO KNOW ANY BANK THAT CAN DO MORTGAGE WITH DTI 47%?
Hi Bartamah566. There are many different programs that will allow you to go over the 47% threshold, but is it worth it? Sometimes it is, but you should look at your overall financial picture before pulling the trigger.If you want to see what we can do to help, give me a ring at 949.276.8526 or if you prefer...
Loan (Post-Foreclosure) in California
Yes. There are programs available that will allow you to get into a home 2 years after a foreclosure. They're not the easiest, but they are doable. If you'd like to know more about them, please call me Demir, at 949.276.8526 or you can email me at dbracic@skylinehomeloans.com.

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