203k loan, need to finance a well into the loan
Yes, you can apply for an FHA 203K Loan Program which will allow repairs that are needed or desired for the home to be financed into the loan amount( up to $35K ). The appraisal will need to be ordered based on " market value after completion of repairs ". So if the home is worth $104K " As-Is...

Here is my question: would like to refinance my conventional 1st along with my HELOC which would be about 110% LTV. Credit score as of 11/7/11, is 800. Looking for 10 yr fixed to shorten my loans and lower my rates. Our 1st is a Fannie Mae and my husband is a military veteran Thanks!
Currently there is not an option to refinance your 1st and Heloc to 110% loan to value. I would also advise more info to you on the new HARP Program coming out soon to see if that has options. You may however have the option to Refinance your 1st mortgage only and subordinate your Heloc. You can refinance the...

My chp 7 bankruptcy was closed 3/31/2011, is there a chance for me to receive a loan on my home.
Hi MarcieUnfortunately, one year from the final discharge of your bankruptcy will not be sufficient for you to obtain financing on your home. There are some programs that will review your extenuating circumstances after 2 years, with established positive credit. Perhaps there are options to...

does anyone make loans for purchasing mobile homes?
Yes i have a program that may meet your needs. Couple options that may suit your needs. A construction to permanent loan that includes the purchase of the lot + construction of the manufactured or modular home on your lot. Also a purchase of a new or existing manufactured home. The down payment will vary and...

Credit Question when it comes to mortgages?
Hi Jenny,I would be happy to work with you on a USDA Rural Development Loan. This is one of the last 100% prorgams left and we can work with your 620 Fico score. Once we review your income, assets, and credit we can find a price that is affordable. I am located in Kalispell and have many clients in Missoula :) ...

How does FHA treat a private mortgage loan on vacant land?
Yes, you will have to account for all of your outstanding debts in order to qualify, which includes the land plus the taxes. However, a full application and review is really important to determine the structure of the file. There are options, as others have mentioned with particular Niche'...

Purchasing a vacation home in Florida.
What is your specific question that I may help you with in regards to a vacation home purchase?Janinejbodway@acceptancecapital.com

How long until i can refinance from a short sale with 2 defaults?
AKetch,I am sure it can be confusing to hear conflicting answers...In general the rules are the same per product, however sometimes a lender or investor can be more lenient than another to extenuating circumstances. What this means is your apllication will be individual to your situation. Why did you...

Can you get a cash out refinance on a new home given to you, if you had a foreclosure on a previous home sheriff's sale 01/2011.
Conventional financing would put you out 2 years for VA loan and 3Yrs for FHA. In addition, you Fico score will play a factor. There are Private Investors that will look at files case-by-case with low loan to value to lessen the risk and strong ability to re-pay. Probably best to work with a mortgage broker...

A home was quit claimed to me with no mortgage can I take out a bill consolidation type loan to pay back taxes?
I look at all options for you. You may need a Portfolio product depending on your current credit score. I would need ot review your credit profile to see where you stand. Even if your score is low, you may have options if it makes sense and has a low loan to value to lower the risk to an investor. There is a minimum...

can i be approved for loan of 15k w credit score of 590 property appraised @ 64k
As noted, it may be difficult to find a Lender or Investor to meet the low loan amount size. I believe the minimum loan amount I may have available is $40K. As a 2nd position loan, you would likely have extreme difficulty with that 590 Fico score. As a 1st position loan, your best option is to first discuss...

Is a 2.5 ten-year fixed rate with 0 points and no closing costs available for a single family/primamry residence in Hawaii?
Well I hate to agree, but unfortunately there is a lot of missing information in order to really price appropriately for you. We have what is called risk-based pricing and the process we go through to properly price for you is based on Loan amount, Loan to value,Mortgage Insurance, Fico score,...

I am interested in knowing if you can provide commercial down payment assistance?
What state is the property located in?

Can I get a loan to buy a house with poor credit ?
Best if you contact me directly so I can assist you based on specifics. The definition of poor credit is dfferent for most individuals and there are challenges we can often work with. Also depending upon what state you are looking to finance in, we can process a lender search for the criteria specific to...

i have a conventional loan at almost 7% backed up by one nevada credit union i have 805 fico can i refinance
BobbyDiscussing your individual situation one on one is recommended to fully assess your options. A first step would be to see if you qualify for a Fannie Mae Refi Plus or Freddie Mac Open Access Refi. Both of these programs allow your loan to value to exceed 100% if your home is eligible and you receive...

Is it possible for a US Citizen living overseas to refinance an investment property in the United States under HARP 2.0?
What is your current rate and how much do you owe?

I have a credit of 624 according to creditkarma and i am interested in purchasing a house? would it be possible with my score?
Yes it is possible, however your credit should be reviewed by a Loan Officer. We will need to check on all current and past accounts, public records and/or collections. The score alone would not be enough to confirm. A couple good programs for you to review would be Rural Development and FHA. If you would...

How do I pay off my mortgage loan without lowering mycredit score?
My initial understanding of your question does not imply you are obtaining another mortgage in place of the lien being paid off. If that is correct, I would prefer to direct you to a credit counseling specialist that can work with you on the best solutions to meet your credit goals. A reputable company I...

Can I get a house with my trust fund even if I have no credit or rental history?
Yes, Trust Fund income can be an acceptable form of income to qualify. It would be best to get one on one with a licensed loan originator to fully review your trust fund as well as your credit.Acceptance Capital Mortgage is licensed in WA so feel free to contact me for further assistance....

Do you recommend accepting a down payment gift from a family member?
I would initiate a full review with a licensed loan originator first. You clearly sound hesitant to the idea and perhaps you should evaluate all potential options of making a go of it on your own. There are 100% Programs that can often get you closed with very little out of pocket. Acceptance Capital...