Loan options with no mortgage insurance
Hello, I have several terrific options for PMI incuding a one time buy-out that the seller can pay and no HIGHER rate. Please Contact me @ chris.caporiccio@wellsfargo.com

I'm interested in taking out a mortgage on an existing home that has no mortgage.
Hello Steve, 80% of my business portfolio are JUMB customers. I would be glad to walk you through all the option I have to offer. Please email me @ chris.caporiccio@wellsfargo.com

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?
I'm and FHA professional; send me an email so I can answer all your questions, before you make any type of decision. Chris.Caporiccio@wellsfargo.com

What are our chances of qualifying for a new home with my husband only being at his current job 6 months?
Thank you Stacey, In most cases this situation is not an issue as long as the job changes are seamless and all changees can be documented. The biggest issue I run into when this situation arises is Sefl-Emplyment scenarios. As long as this is not the case I feel good about your options. Give me a call to...

Does anyone know a lender that works with fair/poor credit but good salary and 30% downpayment?
I have 580-619 FHa options, case by case. Send me an email @ chris.caporiccio@wellsfargo.com to review your options.Thank you

will PMI ever be reduced?
Hello Erik, I have many solutions to PMI please contact me to review what can be done for you. Chris.Caporiccio@wellsfargo.com

Can my fiance and i apply for an FHA loan to get in to a house this year, before were legally married?
Absolutley, please contact me to disucss your FHa mortgage and options to save on the PMI & FHA MIP durring the process.Please email me @ chris.caporiccio@wellsfargo.com

I am looking for a mortgage broker. Perhaps you can help. My score is in the low 500\'s. Income 50K annually. $5000 down payment. Little debt.
Hello Terry, Wells Fargo does offer FHA loans in the 580-619 FICO range. They are case by case, I would be happy to set a time to chat and review this opportunity with you. Please reach me @ chris.caporiccio@wellsfargo.com -or- call 603-222-3932

When i lock in a rate, am i stuck with it or can i re-float then lock at a better rate?
Hello Steve, I offer free float-down rate options; I also offer 30day to 365day day rate locks to suit all the needs of today's customers.Please contact me @ chris.caporiccio@wellsfargo.com to duscuss the many wonderful options I can offer.Thanks

I currently rent my office space at approximatley $3000.00 per month. I am seeking to purchase a property valued for $525,000.00 where I can also have a home with the office. At a 10% downpayment, I would be paying the same for my office as wellas also now having a home. I am 50 years old and just getting on top of a nasty divorce. I want o have this property so I can salso see my children in a home.
Hello Dr. Gosselin, I am confident Wells Fargo can help you obtain the financing you want for this property. I have many options to offer you from Conventional to Portfolio we can make it work assuiming the divorce has not impeded your financial or credit rating too much. Send me an email today Dr. Gosselin...

Want to get into a $2.1 M home. Is this possible?
Thank you Manny, send me an email so we can discuss all your options in purchasing this home. I have many options to help iron this out for you. Contact me @ Chris.caporiccio@wellsfargo.com. We offer several specialized JUMBO programs to make this a reality..I look forward to hearing from you Manny,Best

just seen the web. is it true you may get a loan with credit score 620?
Thank you Tracey, Fromyour question I am not sure you are looking to purchase or refi:Purchase- FICO is just one factor and we can do FHA loans as low as 580. all potenital is based onyour last 2yr credit history and will require 10% down. So a 580 score is possible and the entire down payment can be a GIFT.....

WHEN REFINACING A FHA LOAN TO A CONVENTIONAL LOAN ARE YOU ABLE TO PULL CASH FROM THE EQUITY IN THE HOUSE AS PART OF THE REFINACING ..?
Thank you, As you can see from other comments pulling money from the equity is possible if the value is there. However, you may want to reconsider FHA to Conventional if you have a strong appraisal, pull cash out and/or add an equity loan to your home.. This option will remove PMI again if the value is in your...

What's the best 30 year fixed right now with no cost
Thank you, ALOT comes into play when you ask a question like this, from FICO to Loan to Value to Type of Dwelling. I would be happty to explore any/all options with you. Give me a call @ 603-222-3932 or better yet send me an email @ chris.caporiccio@wellsfargo.com Have a great day

Does anyone do a portfolio loan for Greenville, SC?
Thank you , I am able to provide portfolio loans as needed for qualified borrower's - I also can review all other options to see if a portfolio loan is the best route for you to take.Please contact me @ chris.caporiccio@wellsfargo.comHave a great day

I can't find an FHA Back-to-Work Lender?
Hello Joseph, I can try an help you out, from your inquiry it seems you have all that would be needed to obtain FHA financing. If you are interested in seeing how myself and Wells Fargo can help you; send me an email @ chris.caporiccio@wellsfargo.com and I will direct you from there.Thank you in...

How long would a prequalification be good for if i'm not ready to buy yet?
Thank you, The pre-approval process is a great way to see all your optoins for financing, including options that do not need 20% down. If you chose to work with me, your pre-approval will have stages. They all vary in expirations ... A typical pre-approval is good for 30days, in my options they can exceed the...

home equity loan or home equity line of credit?
Thank you, There are several options to consider here. I can best advise by talking with you over the phone, if that is ok? I work for Wells Fargo and cover all of New England. My email is chris.caporiccio@wellsfargo.com and my number is 603-222-3932Thank you

wondering if i qualify
Hello, I will be happy to assist you. Here at Wells Fargo we have 100's of program s to venture in hopes to solidify financing for you. I will need you to complete a few steps for me so I can review all your optoins and point you in the right direction.Please email me @ chris.caporiccio@wellsfargo.comHave a...

I want to buy a 1st home with FHA but i have questions about the insurance
Thank you for your queastion, there is alot of information to cover and variations of the scenarios you posted. I will be happy to review all options for you -please contact me by email @ chris.caporiccio@wellsfargo.comHappy Holiday