What kind of credit do I need to get a mortgage?
jaime....You are actually in a better position than you think. A 690 credit score is perfectly acceptable for a FHA loan which requires only a 3.5% down payment. Would be happy to sit down with you and discuss all your options. Email me at jcafiero@supmort.com so we can discuss further

Credit score of 654, is it possible for me to purchase a home?
Joanna. There are options out there for you both conventionally and through FHA. Would be happy to help. You can email me at jcafiero@supmort.com. Superior Home Mortgage is a direct lender based in Southern NJ for almost 25 years and I myself have been in business for over 10. Look forward to working with you.

What is a USDA home loan and how can it help me for my first home?
Bill...USDA is an option worth looking at. There are geographic and income limitations that exist but most of York Cty does qualify. The one thing I would be worried about is qualifying given just the $4000 a month income. I would be happy to explore all your options with you. Superior Home Mortgage is a direct...

what is your opinion?
If this is going to be your primary residence then you do not have to wait for 6 months of being on title and you do not have to come out of pocket with barely a dime. You would buy it from your mother for the market value of $250k. She would give you a gift of equity for the down payment and closing costs so that in...

fannie mae Harp 2.0 Refi.. Stuck with original Lender? Please Advise.
What the other two gentleman said is not necessarily true. If the LPMI was paid as a single premium to the mortgage insurance company then reassigning that policy to a new lender is very easy and your rate will be as low as it would normally be. You would not need to take a higher rate to account for the LPMI...

home equity loan
From what you have stated you should be able to walk into any local bank and get a home equity loan without any trouble. Your local bank is you best bet to get a good HELOC. Depending on the rate for your first mortgage, it may however make sense to refinance your fist mortgage and take the extra cash out. If you...

Can I get my home refinanced under HARP 2.0 with LPMI?
As long as the mortgage insurance premium was paid in full at closing to the mortgage insurance company then that in itself should not keep you from refinancing under HARP. Now all lenders may have overlays that will make qualifying more stringent and Freddie on a whole is a litte tougher than Fannie. If...

t could we get a harp ooan
Getting a HARP Loan depends on a few details. If you would like to contact me, I would be happy to go through everything with youJoe CafieroGuaranteed Rate Incph: 610 594-6611email: joe.cafiero@guaranteedrate.comNMLS# 65146

Refi with HARP immediately after Chapter 13 Bankruptcy Discharge
KImbra..I would be happy to look into this further for you. Please contact me driectly so that I can get some more details from you.Joe CafieroGuaranteed Rateemail: joe.cafiero@guaranteedrate.comcell:914 456-0677NMLS# 65146

need to know if I'll have trouble getting prequaled
You should have no problem with that aspect of being pre-approved. Everything else still needs to check out. Happy to help if you would like to contact me.Joe CafieroGuaranteed Ratejoe.cafiero@guaranteedrate.com484 348-1781www.guaranteedrate.com/joecafiero

Is it normal for a loan officer to ask me for a cosigner because I'm single??
That is very odd. I would think that based on what you stated, you should easily be approved. If you would like to contact me, I can put you in touch with someone in my group that is licensed to do business in Delaware and will be a lot more professionalJoe CafieroGuaranteed Rate484 348-1781joe...

how can i get a "non-conforming" mortgage?
I guess the question is how high is it and is there a better way to structure the loan. If you would like someone to take a second look at I would be happy to help. I too live in Montgomery Cty and can meet with you if you would like. Joe CafieroGuaranteed Ratewww.guaranteedrate.com/joecafieroph: 484...

What is the max ltv for non occupant co-borrower for freddie mac loan?
You can borrow up to 95% of the purchase price. Please keep in mind that the borrower may be required to contribute 5% of the sales price to the transaction. Please feel free to contact me with additional questionsJoe CafieroGuaranteed Rate111 Presidential BlvdBala Cynwyd, PA 19004484 348 1781joe...

Need more money to finish remodel.
Providing your credit acceptable the Fannie Mae Homestyle loan may be a better option. If you would like to discuss further please contact meJoe CafieroGuaranteed Rate484-348-1781Joe.cafiero@guaranteedrate.comWww.guaranteedrate.com/joecafiero

can u get a mortgage with promise of employment on a new job?
Depending on the situation and when you plan on starting the job, yes that is a possibility. If you would like to contact me to discuss further, all of my contact information is listed belowJoe CafieroGuaranteed Rateemail: joe.cafiero@guaranteedrate.comph: 484 348-1781cell: 914 456-0677

Looking for Mortgage Broker specialising in Foreign Income in the greater Philadelphia
If your foreign income is being reported on your tax returns then using it to qualify should not be a problem. Would be happy to help out. I am based right in PhiladelphiaJoe CafieroGuaranteed Ratejoe.cafiero@guaranteedrate.comwww,guaranteedrate.com/joecafiero484 348-1781NMLS #65146