What constitutes "owner occupied?" for home loan through VA
There are multiple ways to do this. 1. Vacation home if you really will be using it as such. Rates are the same as for primary. 2. You can do in your daughter's name with you being none occupying co-borrowers. Rates are typically the same for this as well. 3. Investment property loan where rates are approx .25...

Are the requirment for the 3% down conventional option the same?
The Debt to income ratio is capped at 45% with conventional. while FHA is capped at 47% for housing and 57% for total debt. Credit requirements for conventional are also more stringent. If you would like to discuss further you can reach me at 631-360-0003RegardsNathan BaramCEOBest Rate Capital Inc. DBA...

I have a 15 year mortgage with about 11 years remaining. I'm looking for financing options for a significant home remodeling project.
I can help you. If you are interested you can contact me. My contact info is below:RegardsNathan BaramCEOBest Rate Capital Inc. DBA BRC975 West Jericho Turnpike Suite 3 Smithtown NY 11787work:(631)360 0003cell: (631)525 1166Fax: (631) 574 3139www.BestRateCapital.comNMLSR#82064MLO NMLS...

Hello, i'd like to know if i can buy a house just with Tax Id.my wife is US Citicen. We live in ny but we want to buy in Allento.
What is your legal status? Do you have work authorization? If not then we can do a loan in your wife's name if she shows enough income.Feel free to contact me.RegardsNathan BaramCEOBest Rate Capital Inc. DBA BRC975 West Jericho Turnpike Suite 3 Smithtown NY 11787work:(631)360 0003cell: (631)525...

Can i get lower rate on a 5 year arm versus 7 year?
It depends on whether you are looking for a cash out, rate and term, or home purchase loan. It also depends on whether the home is a single family, 2 family, condo, etc... But roughly a 5 year arm is at 3.25% with no points and a 7 year arm is at 3.375. 30 year fixed is at 3.875.RegardsNathan BaramCEOBest Rate Capital...

Looking for a $475k loan with only 7-8% down. good credit and $75k income
Please call me to go over.RegardsNathan BaramCEOBest Rate Capital Inc DBA BRC975 West Jericho Turnpike Suite 3 Smithtown NY 11787work: (631) 360-0003Cell: (631) 525-1166Fax: (631) 574-3139www.BestRateCapital.comNMLSR# 82064MLO NMLS ID# 17296