How do I make fake paysubs?
You don't want to do that. They're not really that important to begin with. Lenders generally use your tax returns and then check that against the transcripts they order directly from the IRS to make sure they match and it's the same as what you actually reported to the IRS. There's...

do you need to have 20% equity in your home value to qualify for refinance & does all 3 credit reports need to be at 740? I have that on 1
You only need 20% equity to avoid paying mortgage insurance. It is not a requirement. Your credit score only needs to be about 640 to qualify and they use the middle of the 3 to get that. Please feel free to call me at 856-853-1234 to discuss further.Jamie

Can I get a 0% down mortgage with decent income and credit score of 655?
Unfortunately in Spokane County the maximum income limit for a 0% USDA loan is $74,900 annually. Of course, depending on what you do for a living and how you file taxes could change that if you have write offs that decrease your bottom line enough. Feel free to give me a call. 856-853-1234.

Would it be better to do a cash out refinance or use a home equity loan to pay credit card debt?
Travis is right, it really depends on where you are now with your current mortgage. If you're pretty close to the current rates then I would suggest trying your local bank for the home equity loan. A lot of times they offer their customers extremely low interest rates. I've seen 0% in the past....

Looking to purchase a house - PA - 599 middle FICO
620 would the be the bare minimum score for just about anything you would want to do. I've seen a lot of lenders actually require 640. Obviously the higher it is the better. It would also depend on why the score was 599 as opposed to 640. Without knowing any more detailed information, that's all I...

Short Sale approval vs names on contract
Unfortunately yes, the co borrower will need to be on the contract to also be on the loan. As for the short sale, I would say yes but it depends on the bank. I'm still 99% sure they will though. And yes, it could take them more time to "review" that. I would check with your realtor or lender to be...

If i want to change my 30-year FHA FRM to 15-year, should I do a streamline FHA refinance or standard?
Lots of good advice on here from everyone else. The only thing I can contribute as a possible deciding factor is, can you pay your closing costs out of pocket? If you wish to do that then streamline might be good for you. In my experience, borrowers aren't quite able to borrow enough to cover much of...

How strict are FHA employment requirements?
Shouldn't be a problem at all. Especially if you were previously in school for your current job. Most loan programs require that the last 2 years of employment be verified, so that's anything you've done in the past 2 years. Feel free to call me if you have further questions. 856-853-1234...

Can I get a mortgage with a settlement form a bar fight against me?
Quick question...are you making payments on this settlement? Also, it would be in your best interest to get a title search to see EXACTLY what appears, and how it appears. That will make the difference. Like many others have said, I commend you on your honesty. There are still people out there who wouldn't do...

New home purchase in Northern NJ: mortgage options?
Good morning! Are you thinking about an 80-10-10 to avoid mortgage insurance? Because you can put 10% down and still not have mortgage insurance and still go conventional. You can either pay the MI upfront yourself, or have the lender pay it for you for a slightly higher rate. If you think you're...

I have bad credit but my husband had a credit score of 690, but I have higher income.
Hi Sara. Jamie from Woodbury here. You have several options. You can either use only your husband to qualify and gift him the down payment, or you can make an attempt to clean up your credit enough for you to qualify as well. It all depends on what exactly makes it "bad." Also, if you're...