i i have just recently came out of bankruptcy and need a heloc loan will i be able to get one
What type of bankruptcy was it? Chapter 7 or 13? As another option a mortgage might work. Do you have one now. Contact me directly and I will see if you are located in PA, NJ, DE

Are there any lenders available for Ch 13 BK less than 2 years discharged?
Purchase or Refinance?

I was unemployed for the past 2 years and just started my new job in december. How long do i have to wait before i can refinance?
One month as long as you are back to work in the same line of business you were in and it is a W2 job. Will need your offer letter as well. Call or email me so we can talk more. 856-324-6749 or bdevlin@7thlvl.com Thanks

need to know if I'll have trouble getting prequaled
You are on the right track as long as you have filed your tax returns over the last 2 years. You really need to contact a loan consultant like myself in order to get pre approved. call or email anytime 856-324-6749 bdevlin@7thlvl.com www.7thlvl.com

Are LOs supposed to offer float down??
Hello, Not all Lenders offer float down options. The ones that do offer it require that the rate drop by .25% or more in order to complete it. When did you lock the rate and how far along are you in the process?

What's the minimum income needed for fha?
To answer your question, their isn't a minimum income needed. The approvals are based off of your debt to income ratios. You really need to contact a lender for them to run a few different scenarios to see what fits best for you. Brian Devlin 856-324-6749 bdevlin@7thlvl.com

what are the requirements for a va irrrl with no appraisal?
The process is not difficult at all, and you don't need to leave your house for anything either. There are many things that can be done to help it truly be a no cost loan. Give me a call or shoot me a email. 856-324-6749. bdevlin@7thlvl.com We are also a Veteran Owned Company.

to get a FHA mortgage do I have to get FHA insurance
You only need to obtain regular home owners insurance.

USDA loan denied...now what?
Hello, None of the examples you gave are reason for getting denied. There must be something else. You really need to speak to another loan consultant to go through your options. Besides on Oct 1st USDA will be changing there maps so you need to check to see if will be an option in the next 30 days. If you have 3.5%...

I am thinking about refinancing out of our 4.15% rate. Does anyone know if rates are going to go up? Will it really be worth it?
No one knows if rates will go up or when. The best thing to do is to talk with a mortgage professional who will take the time to review your current scenario and see if it is worth it to refinance.

looking for a cash out refinance I am retired and on a fixed income.
Hello, I can explore the option of a reverse mortgage that will give you the cash you are looking for with no monthly payment. Email or call me. bdevlin@7thlvl.com or 856-324-6749. Thanks