harp 2.0 can a co-borrower be removed in a harp 2 refi, not an ex spouse, just an ex boyfriend?
yes...

Interest rates up front? Any way to fix that?
Unfortunately, probably not. If it was perhaps the 5th of the month, they could have done an interest credit, so you wouldn't prepaying so much interest, but they can't do that too far into the month. The good news is you won't have to make a mortgage payment until October.

Is it better to get a 15 year again or a 30 year or is there some other alternative that is smarter for me
If you're comfortable making a 15 year payment, stick with the 15 year because half your first payment is principal (with a 30 year it's only about 10%) and you'd be saving so much more on interest paid. The interest rate will probably be about a full 1% lower on the 15 year and that is significant. Rate...

can parents co sign for children to help get a loan?
Yes, with either Freddie Mac or FHA loan, a non-occupant co-borrower is allowed.

What 's the max LTV for a conventional loan amount over $417,000?
Please clarify your question? The maximum conventional loan amount for a single family home is $417,000, and the maximum loan to value is 95%. Does this answer your question, or were you asking about multi-family properties, which do have higher loan amounts, but are usually capped at 90% loan to...

What can seller credits be applied towards?
Closing costs and prepaid items (escrow deposit, interest, insurance...). It can't be applied to the down payment.

I want to refi to get rid of my FHA mortgage insurance - best option available?
Is it you're debt to income ratio that you're worried about? A conventional refinance sounds like the best option for you, and the payments on a 30 year would probably the most manageable, but the interest rates on the 15 year are significantly better for fixed rate loans. The payment for the 15 year,...

should i get a heloc for $45k remodel?
It depends on the terms of your current first loan. If a cash-out refinance improves the rate on your current first, then do a cash out refinance of your first loan. If it increases the rate, then go with the Heloc because you should be able to get one with prime plus terms, which will keep the interest rate...

Family members of military and qualifying for VA
Scott is correct, you must be a veteran to use a VA loan. If you have money for a down payment, then you will be able to get a comparable mortgage using another program. Just wanted to provide a second opinion...

Should I lock in my mortgage rate today? 7yr ARM
The bond market is rallying a bit, so locking by the end of the day would be advisable...

MORTGAGE FOR FIRST TIME BUYER LITTLE JOB HISTORY
How much of a gap between graduation and current employment? Assuming not too long you can use your current income and simply provide a diploma to satisfy the employment requirement.

can i refinance my home equity loan if have a credit score of 686
It will depend largely on the loan to value of the liens attached to your property. If you still have a good amount of equity in your property, then you shouldn't have a problem.

Can you refinance a mortgage when you have a second mortgage on that property?
Yes, if you wanted to pay if off as part of the refinance, you just need to have enough equity in your home. The alternative is as William indicates, you'll need a subordination of the second loan, and similar loan to value restrictions apply until your current first loan qualifies for a HARP refinance...

my husband and I are both on mortgage can just he be on refinance?
Yes, as long as he has enough income to qualify for the loan by himself. You can either choose to remain on title or waive your homestead rights as well.

received gfe with closing costs estimates, actual costs are being totaled at more than $2000 extra. is this normal?
The good faith estimate should be a worst case of what possible closing will be. Are you saying that the settlement statement is more than $2000 more than the GFE? If they are, then no, that is not normal, and frankly, illegal! Please provide more detail.

good refi programs for *shortening* loan length?
Could you provide a little more detail into the prepayment penalties you mentioned? If they hit you with those penalties for accelerating your payments, wouldn't they apply those same penalties if you refinance?

Mortgage for an independent contractor
As long as you have a 2 year history of the 1099 income and that you actually claim enough in adjusted gross income on your tax returns, then you should be fine. And I would definitely recommend working with a mortgage broker rather than a mega-corporate lender. Go small and go local!

Can I get a fHA mortgage if I'm wanting a duplex/ half to rent?
Yes...

Can I qualify for a loan on a condo?
Yes, your credit and federal tax returns w/ schedules would need to be reviewed. Just so you know the income calculation that will be used, take your yearly adjusted gross income (income resulting after business expenses are removed) and divide that by 12 (number of months). Then take that monthly...

Investment Property vs Second Home Loan
Probably too difficult to discern in this forum, but it will probably depend on the entirety of the circumstance. I would say your intentions for the property are fine to treat as a second home, but it will depend on the distance from your own home if you can actually treat it like a second home. There would...