I need a higher LTV loan in order to consolidate my debts into one loan do you know of any lenders who are doing 100-105 LTV also my credit score averages 768 across all three bureaus.
Hi there! Are you a Veteran? Some VA loans WILL go up to a 100% LTV. If not, you will be capped with an 85% LTV with FHA. US Bank will do a cash out refinance up to 95% I believe with your FICO scores. If your property is in Maine or New Hampshire, please call me on 888-316-6345 which will reach me directly, 24/7...

Self Employed Mortgage - Questionss
This is a very common source of confusion for Mainer's due to the fact that we have such a large population of 1099'd SE contractors and unfortunately the lenders do not make it easy for the SE to qualify for loans as they once did. The bottom line is that after 2 years of filing SE tax returns a...

Reverse mortgage information
No sir. You can do a Reverse Mortgage with a maximum of 60% LTV. Call me in Portland, ME. 207-514-0855.

credit score
Hi Charles. I do not see your question. Please email me or call me.Brendan Fontaine - 207-514-0855 or bfontaine@reliantloan.comThank you!

Can u do a VA IRRL in NH?
Hi Contes - We absolutely do VA IRRRL's and have special pricing for Veteran's under our Reliant Mortgage Heroes Program. Please feel free to call me on 207-514-0855.

Who refinances singlewides?
I can do them with FHA and with a Maine Bank. I do FHA Mobile Homes all of the time. Please feel free to call me on 207-514-0855.

If I refinance an FHA mortgage before the new PMI rules take effect, will I have to pay premiums for the life of the loan?
My office is in Auburn. Feel free to stop by and we can review your options in person.

Can I roll up my closing costs into an FHA loan?
Absolutely! Give me a call on 207-602-1670.

Interested in an FHA streamline refi to lower my rates, is now a good time and are there any negatives i should know about?
Hi Jason! Give me a call. (207) 272-9949. Rates just dropped. I am in Auburn and happy to meet with you in Waterville.

CAN i REFINANCE A HOME WHICH IS IN JOINT NAMES WITHOUT MY EX'S PERMISSION
If you have a legal decree granting you permission to, you may be able to. Is there a divorce decree?

Would a $500k property require a jumbo loan in Saco??
Not if you can put down 15-20% as a down payment.Please call me to discuss all of your options.Brendan C. Fontaine | Branch ManagerPrimary Residential Mortgage, Inc.392 Center Street Auburn, ME 04210O. 207-618-9153 | C. 207-272-9949 F. 207-370-6864 | NMLS # 102571www.BestMaineHomeLoans.com

How do we go about obtaining a preapproval home buyer letter?
Call me any time. I am located in Auburn, ME. Direct number is 207-618-9153.

is a letter of commitment different from prequalification?
A commitment letter generally means that the lender has reviewed all of your income and asset documentation and have approved you for financing. Most lenders will not lock you in before you find your home but we have a product called "Lock and Shop."

My name is not on our mortgage loan what is the best way to go about adding my name on the loan
You will need to do a refinance to add yourself to the mortgage itself. This can be done very quickly. Let me know if I can help answer any questions.

my spouse passed away five years ago, and he was the only name on the mortgage loan, but I am on the deed. I want to refinance
Call me. I would love to help you. Brendan Fontaine | Branch ManagerPrimary Residential Mortgage, Inc.392 Center Street | Auburn, ME 04210Office: 207-618-9153 | Fax: 207-370-6864

Can I get a USDA mortgage with a 615 credit score?
Curtis - There is a very good chance I can get that done for you with my company. Not all lenders will do this. Please call me.

is central heat required for new mortgage?
Please call me in the morning to discuss. I have an office in Brunswick and I would be happy to sit with you.

can you write off liens on your property when you pay them off ?
Are you asking if you can pay off the liens attached to your new property with a refi of that property? If so, I think you can.

getting loan poor credit?
There is no easy answer to this question Jess because everyone's definition of poor credit is different and not each lender is different. I would be happy to review your credit and income to pre-approve you for a home. I am in Auburn, Maine and a licensed mortgage banker in ME and NH. Brendan Fontaine |...

Good credit score but in-between jobs?
Call me Gregory. I am in Auburn, Maine. 207-272-9949Brendan Fontaine NMLS 102571 | Branch ManagerOne Great Falls Plaza Suite 3C | Auburn, ME 04210Phone: 207.619.4179 | Fax: 207.370.6864www.bestmainehomeloans.com | bfontaine@primeres.com