Too many appraisals?
More than likely you'll need another appraisal. If there are properties that have sold near you that are good comparables to you that support a higher value you may be able to see a change in the appraised amount. It's not too likely though. If you'd like to risk another $325 then we can...

If I was foreclosed on back in 2010, can I buy a home now?
Typically it's going to be 7 years for a conforming loan unless you have extenuating circumstances that be reduce this time period down to 3 years. FHA will allow you to repurchase 3 years from the date the foreclosure was completed and transferred back to the bank. I offer a Path2Buy program that...

do you work with first time home buyer programs
Yes, I work with 1st time buyers in getting down-payment assistance with MN Housing loans. Let me know if you'd like to chat. Dan Eveland 763-746-9919 www.whatisyouraddress.com

Question regarding Refinance, Harp, Underwater
The HARP refinance will be your best bet. The HARP 2.0 is coming March 17th and will allow you to possibly refinance without an appraisal needed. My company does this full product direct with Fannie Mae and I'm local. Please call to chat. Thanks!Dan EvelandWaterstone Mortgage763-746-9919www...

short sale
depends...

Is a refi still considered to be a purchase money loan?
If you were forced to pull cash out in a refinance for a divorce and can show this in the divorce documents, then it should not be considered a cash-out transaction, but it would still be a refinance and the new loan you have wouldn't be the purchase money loan. Dan Eveland 763-746-9919 www...

Which MN lenders are participating in HARP 2.0?
www.whatisyouraddress.com You'll want to work with a lender that sells direct to Fannie Mae or Freddie Mac since there won't be any overlays (guidelines on top of what guidelines are already there) and the best rates without having a lender or broker middleman.

My credit score is 507, I have steady employment, and qualify for a VA loan. What are my chances of getting a loan?
Thank you for your service Nate. Need to get that score up! www.whatisyouraddress.com

Home Loan Question
Is the money your needing to borrow a mortgage or for down payment? The exact amounts will be calculated with your loan officer and don't need to be exact for the application process.

Upgrading my home, whats the best investment route?
Money is cheap, keep it in your pocket. Dan Eveland 763-746-9919 WhatIsYourAddress.com

Are there any HARP 2.0 lenders who will work with someone in Chapter 13 Bankruptcy?
We are a lender that will allow any LTV on Investment properties locally. I'd be happy to answer some questions for you!Dan EvelandWaterstone Mortgage763-746-9919www.whatisyouraddress.com

Adding a co-borrower for a Freddie Harp 2.0?
Yes, you can do that.

Will I have to pay FHA PMI for the duration of the loan if I refinance now that the rules have changed?
That rule does not apply until June 1st. If your current loan was insured by FHA by May 31, 2009 then you'll continue on with about the same mortgage insurance premium that you have now along with a little to nothing upfront mortgage insurance fee. Call Dan at 763-746-9919 - Thanks and good...

What is the main benefit of a FHA streamline VS a conventional loan refinance???
Jerrod,William's response was very accurate and will depend on what your current loan situation is. I'm local in MN if you'd like to discuss your options by phone or meet. Please reach out at 763-242-2974. Thanks!Dan EvelandNMLS #279274Fairway Independent Mortgage Corp.www.LOasap...