is there a lender who can approve my loan with 580 credit score & $200K down payment?
Yes. Your middle score needs to be 580 or more. No mortgage lates in last 12 months. No bankruptcy in last two years, no foreclosure in last three years. Put your info it at our Web site and I'll be in touch.Brendanbrendan@homebenefit.comhttp://www.HomeBenefit.com

What would it cost be to buy down the interest rate from 4% to 0 on a $500,000 home price?
Not that I know a bank that would go for it, but in a hypothetical world, I'd estimate about 7 years worth of interest.$500,000 x .04 x 7 = $140,0007 years seems to be the break even to recover the cost of paying a point by having reduced monthly payments over that many years.

What is good rate for refinance HARP 2.0 California?
Taxes and insurance impounds are not fees, they are charges that set aside money that you will owe for when you do owe it. The prepaid interest covers the time that you are borrowing the money before you make a payment since you are skipping at least one payment. When calculating a break even point, it...

Lender wants full application for fees worksheet
We can provide a Fees Worksheet without a credit pull or full app. Of course we'll need to go over some items at a minimum. If you like our rates, please contact, posted: http://www.homebenefit.com/our-rates/