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Joseph Cordova's Answers

How long do I have to wait to apply for a refinance on my property?
We really need to get more information on your part time employment over the past 2 years. Conventional loans require 6 months on the new job when you have been out of the work force. But you have been part time. We may be able to use that and qualify you now. Feel free to reach out to me through my profile. Best of...
Do you know of anyone who lends in NJ for someone with a 630 credit score?
We are a licensed lender that lends fha financing down to 600 fico scores at competitive rates. I would be able to help you out with this. Remember, you can view your loan officer's backgorund through . All you need is their nmls #. Mine is 146855. Best of luck to you!Joseph S....
my aunts home was willed to me but it has a reverse mortgage on it. what should I do? mortgage company is willing to take 67000 for it
You can refinance the home and pay off the underlying $67,000 loan. Or structure as a gift of equity purchase from your aunt's estate. I would need to know more. Feel free to contact me. 856-304-2381
do you think i could get a 4.1-4.3 rate with a 750 credit score?
Short answer, YES. Rates have been in the low 4's on FHA loans. Give me a call to discuss further.
what would be the lowest rate with a fico of 667
I agree. That is a loaded question. We need to determine loan type, down payment, etc. Feel free to give me a call to discuss your options. Joseph S. CordovaTrusted Mortgage AdvisorPartnerNMLS 146855Evesham Mortgage, LLC65 East Route 70, Plaza 70Marlton, NJ 08053856-985-9944 ext. 103 Tel856-304-2381...
Can I go with a conventional mortgage for a manufactured home
Paul, my company is located in NJ & we close manufactured home loans with conventional financing. Feel free to call me to discuss further.Joe CordovaEvesham Mortgage856-985-9944 ext
how to get a lower rate on pmi?
There are many options a buyer may have if they cannot put a full 20% down to avoid the monthly mortgage insurance. As long as you can put 5% or more down, lenders like me will allow for the seller to buy out your monthly mortgage insurance, or you can pay it up front yourself. With 10% or more down, you can...
Mortgage rates depend on income?
Your maximum purchase price will be determined by income. Income will not determine interest rate. Your credit score, and down payment amount will determine the types of loan that you will qualify for, thus determining the interest rate. I suggest you get pre-approved and this will determine your...
are there any type of fha mortgage with no PMI?
FHA will always have a mortgage insurance premium. There are some conventional mortgage options with as little as 5% down where you can buy out of the mortgage insurance or have the seller buy it out for you. Call me to discuss these options. Joseph S. CordovaNMLS # 146855(856)...
When can u get a VA loan after bankrucpty
These answers are correct. You would be eligible as of now. Be prepared to show your payment history to the Chapter 13 Trustee. Best of luck. Feel free to reach out to me with any other questions.
Is there a refinance option for the homestyle program?
Yes, you can refinance with this loan or an fha 203k. Feel free to reach out to me to discuss. thank you.
want a fha streamline refinance on manufactured home
My bank will originate fha streamlines on manufactures homes. Feel free to reach out to me.
Can I get a mortgage 1 1/2 years after short sale with 20% down?
The short answer is yes. We can accomplish this with a non QM loan. Let me know if I can be of further assistance.Joseph S. CordovaTrusted Mortgage AdvisorPartnerNMLS 146855Evesham Mortgage, LLC65 East Route 70, Plaza 70Marlton, NJ 08053856-985-9944 Ext. 103 Tel856-304-2381 Cell856-295-4946...

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