Can I re-fi a home loan that is in someone elses name if my name is on the deed?
First things first, since the laws are different in every state, you should consider speaking with a real estate attorney and your accountant. It is possible that transferring title could trigger a hike in real estate taxes on your property. It is probably not necessary to take her off of title, more...

Rates in California?
Interest rates change daily based on the 10 year treasury. To truly find out where rates are currently at, you would need to know your credit score, value of your home, and loan amount....just to mention a few. The reality is that anyone who quotes you a rate without first giving you a consultation is probably...

When a primary residence ceases to be primary
The short answer: Yes. When you apply for a loan, you must state how you "intend" to occupy the property. If you have already predetermined that you will be moving, and the property will be a rental, then it would be illegal for you to not disclose that information. Some lenders will tell you to...

Refi undwerwater home
It's not what we normally want to hear, but do you have any friends or family that would consider giving you a $25,000 loan? You could offer them 5 or 6%, which is a better ROI than they are probably receiving on their money right now. You could also consider borrowing that money from your 401k via a...

How much is my house worth today?
In this market, you definitely need to get an appraisal to determine where your value is at. Even then, I would subtract an additional 5-10% if your neighborhood is continuing to decline in value. After you determine your equity, also consider what the current interest rate is on your loan along with...

Refinancing FHA loan, is this a good offer?
Yes, that appears to be a good deal. However, why would you refinance into a new FHA loan if you are less than 80% LTV?

Can I get a better rate if I refinance my home now?
You can view my rates LIVE directly on my website with no phone call required. We have some of the lowest rates that you will find online. http://www.bluehomeloans.com/fast-quote