Can I get a VA Loan with a 616 median credit score and 0% down?
Most lenders, including my bank require a 620 middle score. If you have any revolving debt (credit cards), check to see if the balance is 50% or higher than the limit. This is usually the best and quickest way to increase a score. You are close enough to where that would most likely put you over the 620 score...

are there any down payment assistance programs in ohio
Yes, There a few ways to purchase a home with no money down. If you have VA benefits, if the home is in a USDA (rural housing) area, or you can use down payment assistance thru OHFA. Please give me a call to discuss, we are an FDIC bank with over 114 years of lending experience and located in Ohio. I am John Regg...

CAN YOU GET A 15 YEAR MORTGAGE WITHOUT 20% DOWN?
David,Its very possible. I am around the corner in Mason Ohio. Give me a call or email to discuss. We are an FDIC bank that has been open for over 115 years. My direct office number is 513-229-9667 and my email is jregg@englending.comthank you,John Regg

I wanted to compare different lenders but the rep at the bank told me my credit will tank
false for the most part. Usually when they tell you that , it means they don't want you to shop around. Having your credit pulled a few times for a mortgage loan shouldn't ding your score. If you would like to ask me any questions please feel free to call John Regg at 513-229-9667. Thank you

Is a 15 year mortgage available with less than 20% down?
you can get a 15 year with as little as 3.5% down. I am local in Mason, OH. Please call me 513-229-9667 or email jregg@englending.com thanks John Regg

How long does it take for a refinance to be completed?
Depending on conditions, but typically no longer than 30 days. Feel free to call me if you are having issues or difficulties. 513-229-9667, regards, John Regg

What's the maximum LTV I can be at to get a refinance?
Hello, depends on the type of loan and if you want cash out or not. I am happy to answer any questions you have and I am located in Ohio. My phone number is 513-265-7770, thank you, John Regg

Refinancing an interest only modification loan into a conventional
That does sound correct on a loan modification to add the interest on once complete. I would be happy to look at the scenario and see if I can be of assistance without pulling credit or any costs or obligations to you. Please give me a call 513-265-7770, John Regg, Peoples Home Loans

Need to know where to start!
May be able to treat as a Land Contract, please contact me for details 513-265-7770

Want to buy house soon, but need to know if I can get approved.
Hello, It absolutely sounds like you can buy a home with what you are saying. Feel free to give me a call 513-265-7770, John Regg.

Bad smell. Cause to worry?
Have you had a home inspection? That would be a starting point, from there maybe an environmental specialist. May be costly, but worth it for peace of mind. Please email me at john.regg@wellsfargo.com or call/text 513-265-7770 with any questions, I am happy to help and we lend in all 50 states.

I only owe 35,000 on my home but need to refinance out of my husbands name how can i do this?
Hi, I am happy to assist you with any questions regarding this matter. We actually have a program designed just for this that no one else offers. Please email me at john.regg@wellsfargo.com or call/text 513-265-7770 thank you, John Regg