What is a conforming jumbo - had never heard of that before. Can someone help?
feel free to call me directly, 858-663-0472. The loans fall in 3 main categories Conforming, conforming high balance and Jumbo. sometimes the terms are a bit different but the basic rules apply.

will any lender do a non owner occ. HARP refi in WV w/o looking at DTI. good credit. no missied payments.
You would have to look for a Fannie Mae direct lender with no overlays to Fannie Mae guidelines. We are a Fannie direct lender with zero overlays. I have seen approvals up to 65% DTI and unlimited loan to value ratios for any occupancy type. The only time I have seen where DTI is ignored completely is going...

Can a renter in Los Angeles CA buy a home in Fresno, Ca with less than 20% down. Parents would live there rent free.
Yes he can! With 3.5% as a down payment.

Non Warrantable Condo Refinance options for LTV 60%, Income of $150K and FICO of 800 in SF.
Yes that is possible. Depending on if there is any litigation in the complex against the developer. Of there isn't you can get this done with a Fannie Mae direct lender like us.

Do I qualify for a purchase loan? (2 yrs out of bankruptcy property modified)
FHA is the route to go with this situation. 3.5% down payment will be required

Can I get a HARP refinance if I have a HELOC?
Yes that is possible we do this all the time. The process for the 2nd mortgage to stay put is called subordination. When you choose your lender make sure they are a Fannie Mae direct lender. This will allow you more flexibility with Debt to income ratios and less documents from you to qualify, most...

I'm interested in taking out a mortgage on an existing home that has no mortgage.
Rate wise this seems very realistic. Feel free to reach out to me with more information to get you a personalized quote. 858-663-0472 earanda@firstcal.net

Just been denied a HARP 2.0 loan because I live in the UK.
Best option is to go with your existing lender. The will in most cases ignore DTI and not ask for income

Lender denied Harp 2.0 refi due to a high DTI (56%) in California.
I can honestly say we have zero, none overlays to Fannie Mae guidelines. I have recently closed loans with DTI as high as 65%. If your property is in California, we should be able to help. Earanda@firstcal.net or call 858-663-0473

my current interest rate is 5.5 percent. My mortgage balance is 59.000 can I refinance to a lower rate?
Based on the information here, there is no reason why not? Feel free to send me your scenario. Earanda@firstcal.net.

seller credit for conventional loan
What is the question? Seller credits are allowed. They must be negotiated by your realtor at time of making your purchase offer.

I own my home free and clear.
If you intend to occupy that unit you can finance it as a owner occupied. The benefit is lower rates and a downpayment of as little as 3%.

i have a home in illinois.I owe 180000 on it to wells fargo.i filed bankruptcy and did not reaffirm in 2010.I am now late 4 months
I'm sure your attorney can assist you with all of the above

To be prepared to speak with a lender, what are some smart questions to ask when applying for a mortgage?
What are the total cost? How long is your process from start to finish. What is my total payment principal,interest, taxes and insurance? What is my out of pocket expenses? What does my value need to be to make my loan work? Other than that the right person will walk you through any possible unknowns.

Getting quotes through lender 411
Depending on your credit score rates can range from 3.25 -3.5% on a 30 yr fixed. The other variable that can change is the funding fee, if you have used your VA eligibility. Or if you have had any service related injuries that fee is waived. Hope this helps

What's the best mortgage to get after a bankruptcy?
FHA is the best choice after a bankruptcy.

is there any lender that will give me a refi/debt consol with a $2600 charged off credit card?
Loan to value needs to be considered here. If your credit score is at least a 620 this should be doable. With no lates on your mortgage in the past 12 months and no bankruptcy or foreclosure in the past 3-4 years

Are you all brokers? I'm thinking if it's only the $2,600 charge off
You are definitely thinking the right way. Deal with a direct lender. In most cases they will have a more flexible approach since they will most likely service/collect payments on that loan over time.

Where to find a lender who will allow me to self perform the work on a 203k loan?
If you have your contractors license you should be able to get this done

I have a condo, which is investment property, that is underwater. Will I qualify for a HARP loan?
https://www.knowyouroptions.com/loanlookup. You can you up your property on this site to find out if its eligible for the harp program. You also had to have got that loan on 04/30 of 2009 or prior.