Home loan question - 20% down or FHA????
Hi. You may want to consider an 80/10/10 option. We offer the 90% LTV with no mortgage insurance. This would allow you to preserve some reserves while taking advantage of conforming financing. I'm in Pleasanton and would be happy to discuss your options...

how soon after a purchase am I eligible to refi?
Once the purchase is closed you can refinance. I would suggest you talk to a lender about any specifics. Feel free to contact me anytime. my website is www.loansquawk.com

I am in need of a Jumbo loan for 620k, but I have a current DTI of 49%. Are there lenders that will accommodate this type of situation?
Hi Kevin...It may depend on the loan to value. I would also look at the max conventional loan limits in your County and see if you can fall under a high balance product. I would be happy to help look into options for you if you exhaust them with your current provider.Thanks,Brian