What is the Refinance / Payoffs line item in a GFE?
If you are paying off a 2nd mortgage or equity line that might be the fee the lender is charging? Other than that - if it is a purchase - I have no idea. Sorry!

Co-signer Question
Not all banks offer FHA loans, however, it is the program that you are looking for! They only require 3.5% downpayment, they allow for non-occupying co-borrowers, they allow retirement income to be "grossed up" (since it's not taxed) and since you've...

I am making less money than when I bought my house. I want to know if there is a program out there that I can refi and get my interest rate down and payment down. I have an interest only mortgage with a 5 year arm. The 5 year arm is up next December and I want to refi. I have good credit and never been late on my mortgage payment.
Ben, contact your current Mortgage Company. They will honestly have the best opportunity for you through the HARP program. If the refinance doesn't work out, and you're making substantially less money - ask about the HAMP program. Again, it will likely be cheaper to work with the company...

Should I shop outside of my credit union for a refinance?
Our experience is that the SECU doesn't offer fixed rate mortgages. If we can help - we'll be glad to!

Please Help. What credit score should I have to purchase a manufactured home.?
In NC, the answer is check with Wells Fargo. Wells probably has the strongest program in your area. If it's less than 3 years old, BB&T might have financing available. Most of the Mortgage Lenders in NC do not offer funding for manufactured homes, unfortunately.

I sold my home as a short sale and wonder when I can buy again?
Well, that will depend on the kind of mortgage you had, and if there was a "deficiency" balance. It could be 2 years, more likely 3 years. Here's a charthttp://ncfhaexpert.com/fha/fha-and-va-mortgage-loan-guidelines-waiting-periods/

USDA loan turn around time?
We received 4 approvals back today - one was submitted on the 11th of April - Others were submitted as late as the 20th, and we received the certs back in time for April Closings. NC USDA RD offices incorporated a new Underwriting "system" in March - all files are now sent to Raleigh, and then...

i work overseas trying to get an fha loan in nc
We do many loans for folks who are Citizens, working overseas. Do you qualify for a VA loan? Thanks! http://ncfhaexpert.com/tag/occupancy-requirement-va-loan/

Pre-approval on a mortgage question??
Hey - call us this weekend, we can help you with this. In NC we have money from the NC Housing Finance Agency we can use, and you're golden. You will ALSO get a Mortgage Credit from them! We are in Cary - but we're member of the Hanover Seaside Club, we know Wilmington really well. Sounds like you...

USDA loan with a 531 credit score
Hey! We do TONS of USDA Home Loans in Johnston County! This is usually pretty simple. Call us this weekend and we can help you get this started. 919 649 5058

My lender says I should lock because rates are probably going up from here. Is she right?
The Jobs numbers come out at 8:30 Friday morning. It will likely move the market. If it's a strong report, which is what we've had so far this year - it will probably push rates higher.

could i get a 203k refi with 690 credit and 60k income
Yes - we are in NC, and have offices in Greensboro and we can do 203K loans based on the qualifications you are describing. This is a different process, and it's much easier if you have a team of folks working with you who are familiar with how you get the recommendations required :) Congratulations on...

Are their any Va lenders in the Raliegh/Durham , NC area that do Va constuction loans ?
We do not know of any - however, BB&T does a ton of Construction lending in this area, and would be a good resource.

Credit score of 580, am I able to get a loan?
You might qualify - I hate to say yes or no without actually speaking with someone and getting all of the information. We do approve manually underwritten Government Loans down to 580 credit scores. If you need down payment assistance, from NC Housing, you will need a 640 credit score, but we can talk -...

Can you borrow 90% using the property tax value instead of an appraisal?
I agree with Michael, you will need an appraisal. Normally properties in Greenville appraise for Tax Value or higher. Because of the "storm" there will likely need to be a visual review of the property. We offer renovation loans at 90% if that's something you are interested in.