If I have only 7 years left on mortgage, is there any good argument to refinance?
The simple answer is no. Your payment is mostly principle at this point. The only reason to refinance might be to pay-off credit cards, student loans, or medical bills; or to buy another property. If those situations apply, you would probably want a 10-15 year fixed. Otherwise, good job on getting the...

refi jumbo @ 90LTV
As long as the 1st loan is not over 80% LTV then it should be possible. A lot depends on your credit score and debt ratios because you are in true jumbo territory (non-Fannie/Freddie). Because the combined LTV is 90%, you don't have as many options but at first glance, we might be able to get you a 7/1 around 3...

How long does the down payment of a home has to be seasoned before we can do the home buy transaction?
There needs to be a paper trail for the gift. If the money is already in your account then lenders will ask for a copy of the givers bank statement showing the withdrawal/cashed check. If it is not in your account, the easiest way is to have the giver wire the gift directly to escrow. No bank statement is...

Self employed, want to refinance. What documents are necessary?
2 years tax returns, personal and business (unless you file schedule C)2016 YTD profit and loss and balance sheet2 months personal bank statementsmortgage statement, property tax, and home insurance statements for each property you own.- Joe Patterson, 408-776-7104.

719 Credit Score, Substantial Savings, but Intermittent Independent Contractor Income - is an FHA Duplex or Triplex a Possibility For Me?
As a 1099 contractor, your income is averaged over 2 years and is based on your tax returns (Schedule C). You may have to have a larger down payment to offset the average income lenders use but you also get 75% of the potential rent from the property to help too.