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, if in fact that is your mid score. I prefer to review your credit and see if there is any kind of corrections that can be made to increase your score which will give you a better rate. I lend only in Indiana so feel free to contact me at jphilips@unmhq.com

Is there any help out there for homeowners upside down without a Fannie Freddie Mae backed loan
Dorothy, I am licensed in Indiana and yes there could possibly be other options for you. Please give me a call at 219.246.4693 so we can discuss the available options.Jon

I want to refi out of an ARM but not sure if I should wait
Kelsy, Now is a great time for rates are still low. I would love the opportunity to discuss further with you. Please call 219.246.4693. I am out of Valparaiso.Jon Philips