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Daniel Choudhury's Answers


Va loan
Hi Joshua,I'm a lender in Texas and as Kiernan stated below depending on your credit we can go as low as 620 on VA loans, if your scores are lower then that we can advise you on what to do to get the scores up and within the eligibility criteria. I'm available 24/7 if you'd like to discuss further at...
I'm a lender in AZ and I need a Broker Account for non-warrantable condominium, Condo Hotels
You can try these guys https://www.advancialmortgage.com/ - they do wholesale relationships, but as previously mentioned you're looking at 20% down and usually 100k minimum loan amount, however they will look at everything including condo hotels.
Are stated income loans still available?
As William stated below there are some lenders out there who will but they are very expensive and most likely a max of 65% LTV, let me know if you need a contact in TX. Thanks Daniel Choudhury 214-499-0010 danielchoudhury@eaglehm.com.
TO qualify for the harp programs, does your mortgage have to be backed by fannie or freddie?
Yes, however there are other streamline options if you have an FHA or VA loan for example.
If my house is paid for and i\'m on temporary disability, can i qualify for a home equity loan?
Most lenders want to be sure that your income will continue really and truly indefinitely but a minimum of 3 years is the general rule of thumb.
Re-amortize vs. refinance?
A refinance is when you get a brand new loan and pay off the old one, going with a 30 year term would definitely lower your payments, as far as re-amortizing the loan that would have to be through your current lender probably thru some sort of modification, however those are usually done under hardship...
I live at 468 springs road I wanted to know the property value at this time
Another good resource is the value estimator at CitiMortgage.com/
I am a Veteran and need help getting my home refinanced.
Hello,More information would definitely be necessary but I do provide VA loans and I am located in the Dallas area I can be reached at 214-499-0010.
i dont have a w2.. is there ANY way to refinance my mortgage?
If you've been in business more then 2 years and have filed your taxes your adjusted gross income can be used with various potential add backs like non-cash expenses. Make sure you speak to a loan officer that knows their way around tax returns and self employed borrowers as they can examine and...
what is the least amount of time to apply for a loan and get in to the house?
Because there are so many moving parts to a transaction and each situation and borrower is different it is hard to say, so like everyone else here i would at least give it 30 days and make sure to provide documentation in a timely manner to expedite the process you may be able to knock it out in 2 -3 weeks.
Can I qualify for an FHA with a credit score of 681
Absolutely, but thats not the only thing taken into account, earnings, down payment etc... are also looked at. You may be able to save quite a bit of money going with a conventional loan though, contact me to discuss all options available to you @ 214-499-0010

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