Should I refinance or stick with current mortgage?
Dear Clearwater -- I'm going to gladly give you the best answer here believe it or not. Remember -- cash is king and still is. At the end of the day -- he who has the gold, make the rules. Why am I saying this so blunty? Do yourself a favor -- Dont put any more money down to pay down a property that I can prove to...

US Citizen with foreign income looking for a mortgage in FL
Dear Foreign National. -- The answer to this question is YES without a doubt. I can do this loan for you. However it is much to complicated to explain to you over a computer written in a forum as such. If you are serious, have the money and are ready to make a move --- You may call me on my personal cell phone at 813...

Is refinancing an upside FHA mortgage a good idea?
Mr Reed. I will take a WILD guess and say that today's rate of 3.3% on a 30 fixed FHA mortgage are probably lower than all of the YEARS you have been on this EARTH. It wont happen again. Does that answer your question? Andrew Alfonso 813 601 0221 Call -- would love to talk with you. Free appraisal on me. WWW...

refi mortage
Sorry My friend. You cant. that I guarantee. Andrew Alfonso

What are the differences between Fannie Mae and Freddie Mac HARP programs?
There are major differences, but not one of them have to do with you directly.. Since both Fannie and Freddie are clearing houses for mortgage backed securities, the differences have to do with how the file is underwritten and what info is shared with the investor looking to purchase these securities......

Can I get a 5% down payment Jumbo Loan with 680 credit score?
With a down payment of 5% and a credit score of 680, you won't be able to qualify for a Jumbo loan. A jumbo loan will require 20% or more money down. Moreover, with a 680 credit score, you won't be able to qualify for a normal conventional loan, forget getting a Jumbo loan. However, you can get a FHA...

who can offer the best free loan Zero out of pocket. on a 30 yr fix
Anybody can offer you that but it may not be in your best interest to get that loan. You need to talk to a LOCAL lender about your specific situation and it has been my experience to to pay some closing costs and get a lower rate. Unless you need to be under a certain Loan to Value, most lenders will charge you...

1 time close loan
Hey Andrew from CC Funding. We had that program awhile ago with several lenders, but I dont think I have one lender left on the wholesale side that can help with that. I would try either Wells or Bank of America! Good luck to you!

I am a US citizen but live and work in a foreign country can I get a US mortgage
YES YOU CAN -- WITHIN 10 DAYS ACTUALLY -- CALL ME, DONT PAY ANY ATTENTION TO THE BABBLE YOU SEE ON THIS PAGE. CALL ME AT 800 813 3291 - ASK FOR ANDREW

Refinance w/ poor credit, owe 123k (Fannie May) house area comp 110k current loan 6%, 8.5 years left to pay off .
You provided PLENTY of information. Now pick up the phone and give me a call. Let's chat. No pressure. No obligation. Ask for Andrew 800 813 3291

Is refinancing necessary to remove myself as co-signer from a mortgage?
Yes. You are not a co-signor. Jokes on you. You are and have always been, the co-borrower. AKA - co-owner. Dont waste your time calling the lender hoping to have them charge you a fee to release you from this HUGE commitment. Refinance. Andrew 800 813 3291

VA loan 14 months after a chapter 7 bankrupcy with exception
Dear1931FORD -- Honestly - Your SOL if you know what I mean. That last two letters stand for out of luck. However - Allow me to give the long answer as well. While credit history is certainly an important consideration for VA loan eligibility, borrowers with low credit scores, poor credit history, and...

Is it possible to get a HARP refinance for an investment property with 125% LTV?
Hi There - We would love to help you. Give us a call - 800 813 3291 - Andrew

Can I buy a $200,000 house?
If you have VA benefits, you can purchase now.. If you only had the short sale, you could purchase now with 20% down, but with the BK as well, you would need to wait 3 years from the date the home was short sold.. then you can look at FHA with 3.5% down... no one here can predict what the rates will be once your able to...

Do mortgage rates vary widely from city to city?
They are generally very close, but the cost for the interest rate varies. Some states/cities have more risk associated with them, and the adjustments for that specific area could be higher then another. GIVE me a ring -- we can put this to rest real quick - 800 813 3291 Andrew Alfonso

What lenders will refinance investment property without tax returns?
Halpau - I can do these easily. Remember -- we are talking about private money now. I want you to know that going into it. The idea that there could be a bank of any size that would remotely consider this type of loan is simply wishful thinking. However, if you subscribe to the theory that the ends justify the...

what day is NC USDA loan department working on?
USDA guaranteed loans essentially are underwritten twice.. Once by the USDA and again by the lender.. USDA is swamped, and adding in the holidays will prolong things even longer.. Ask the buyer to allow you to contact their lender and call them directly to get an update.. There are just so many things that can...

I would like to refinance an assumeable VA loan.
Sure we should be able to help you. Give me a call at 800 813 3291 - www.andrewalfonso.comCALL ME -- LET'S DO IT!!

I live in California....what is the penalty if I do not receive my impound account refund within 30 days?
The time frame is actually 45 days. There really isn't a penalty fee you can collect. You can report them to the CA department of real estate and they possibly could get fined. I would just stay on them if you haven't received it and most likely they will have it to you soon.

I have a 660 credit score, been at my job for 11 years and make about 70,000 a year , how much can I get approved for
A good rule of thumb is that for conventional loans your total monthly payments should not exceed 38% of your gross monthly income. For FHA loans, it should not exceed 45%. I have funded conventional loans as high as 48% and FHA as high as 55% with strong compensating factors. A 660 score will not get you a...