If I don't have enough money for a down payment, do I always have to pay private mortgage insurance?
If you do not have a 20% down payment you will always pay some form of MI unless you qualify for a VA loan. - An FHA loan has mortgage insurance that is permanent forever unless you have an initial down payment of at least 10%. If you put 10%+ down when acquiring property using FHA financing, then the FHA MI...

I'm looking to remodel my home, what are my loan options?
If you have good credit, income, and equity in your home and are able to refinance your current first mortgage to take cash out for the remodel, then that would probably be your best long term option. Your next best option would be to talk with a local credit union or bank about a HELOC to get you the cash for...

my mortgage was sold how do i know if im harp eligible?
If your original loan was FHA, then it is still insured by FHA even if the servicing was transferred. You would not be HARP eligible with the original loan being an FHA loan. An FHA streamline mortgage may be an option for you. Contact a licensed mortgage banker/broker in your area to find out. FHA...

VA home loan with lower credit score
Call James at (480) 776-6050 & he will get you an answer same day!

Can I Transfer my VA loan to a HELOC?
VA will loan 100% of the value of your home. No Home equity line of credit available thru the VA. Most credit union will loan 85% to 90% of the value of your home.VA is the best way to access 100% of your homes value. We offer VA and even pay Veterans appraisal expense. 480-766-6050