Does disability count as income for a mortgage?
Hello LindaAs long as you will be receiving disability for more than three years you can use it. It will lower you debt ratio and that is what you need.if you need anything else you can call me at 678-226-7840.Thank youElden AlvarezMortgage BankerBrand MortgageDuluth, GA

Can I refinance without 20% equity in my home?
Yes a refinance can be done with your situation. There may be several options. Feel free to give me a call to specifically address your concerns.

Refi home
A conventional refinance would be ideal to avoid and mortgage insurance premiums and still maintain a lower rate. If you still currently have a conventional mortgage and your new appraisal value is higher than 80% you can still avoid having MI if your property is owned by Fannie Mae. A DU Refi Plus can be...

Refinance
Yes we can have both loans consolidated into one with a much lower rate and great monthly savings. I am available at anytime to further discuss your options.Elden AlvarezMortgage Banker 678.226.7840Office678.267.0277Cell678.226.7941Fax

First time home buyer questions
Shoshan we have great first time homebuyer programs that you can put as little as 1000 dollars down and will give you 4000 dollars. Max amount you can get is 7500 dollars the grant is forgivin after 5 years. The rates are whatever FHA is priced at which right now are excellent. You can reach me at...

1996 double wide mobile home
Unfortunatley we would not be able to do a program with this scenario. These programs are useually used for your standard single family home. If you have any pther questions please feel free to give me a call or email me.Best RegardsElden AlvarezpH 678-267-0277ealvarez@brandmortgage.com

Middle FICO Score of 675, can I qualify for a home mortgage?
Your scenario seems just right. I don't see any red flags to stop you from going forward and your down payment is good. We do loans all time with this FICO score and lower with options of FHA or conventional. I may even get you a first time home buyer grant that can save you some of your down payment. Call...

what is interest rate on va loan
HelloVA rates are very low right now. I am in Hall County and would like to assist you with any questions you have. My direct. Umber is 678.267.0277Best RegardsElden AlvarezBrand Mortgage

KAREN RILEY WOULD YOU
No problem