What is good rate for refinance HARP 2.0 California?
I could potentially get you 3.875% with 1.625% in rebate.. Feel free to contact me for a quick quote. I am in San Dimas, we have no LTV/CLTV limit, and it is ok if you have LPMI on the loan currently.

Lender wants full application for fees worksheet
Hi Roger, I would be more than happy to provide you with a initial fees worksheet based on preliminary information. I am a local so cal broker and typically find that my rates are the same or better than what even discount lenders such as Cash Call offer. I will usually send my clients quotes, with...

can i avoid pmi if i don't have a 20% down payment?
Hi Peter, You actually can avoid having to pay PMI with as little as 3% down payment on a conventional loan. Id be happy to schedule an appointment with you, if you ever want to review those options in detail before you begin your home search.

what do lenders care about besides credit
Hi Elliot, Prospect is correct :) it sounds like you should really speak with a lender to check out all your options. If you are looking for quick easy answers feel free to call me 909-833-3200 ext 2

what is the difference between going through a lender and a broker? not sure what to do first
They are a very different breed, I have been in the business about 14 years working for both ends of the spectrum. In my opinion a broker has many more options to offer, and is able to help navigate and overcome obstacles. I could easily work for a lender, become a direct lender, but have found it to be much...

Not happy at all with my agent - Help
That is a tough situation, you should request a meeting with your agent and their broker, and address all of your concerns, see if they can come up with a game plan and commitment that you agree with. Most ethical brokers will let an unhappy seller out of a listing agreement if the sellers are not happy...

What's the best 30 year fixed right now with no cost
There are a lot of factors that will need to be considered, but with optimal assumptions (SFR, 60% LTV, 740+ fico, Owner Occupied, 300-417k loan amount, no cash out)your looking at around 4.125 to 4.25% anything outside of those assumptions above will change the pricing

I am confused where to go for the best refinance - my credit union, a bank or another option
Hello, I am a local broker in San Dimas and would be happy to give you some options to out side by side as you shop for the best deal. A credit union and bank is typically going to have higher rates and slow loan processing by nature. Your best bet is to get some quotes and check out reviews on those that quote you....

Are there still no income verification loans available in California?
Hi Jeff we have some new products out now that are perfect for self employed, feel free to contact me to go over the info and some possible options.

Must I have a business license or previous experience to buy a real estate property for investment?
Basically there are a lot of options and programs available, it just really depends on your income, assets, and long/short term goals. Im happy to sit down with you or speak over the phone and do a complete review/consultation on how it works, etc.Thanks

Are no cost refinance loans real or there are any drawbacks?
Hello, it really depends on your long and short term goals. Over 30 years the no cost loan will cost more because it is a higher interest rate than a loan with points or fees. While for the shorter term picture the no cost loan is more beneficial. There are also custom loan terms such as 27 years..etc so you do not...

ppl.
Hi Kevin, I'm not sure what you are asking? But in 2000 I was s loan processor not a loan officer, so I did not originate shy loans in 2000

best loan
is this for your primary residence or an investment property? email me direct at justin@nuhomefinancial.com i might have some options.

I am looking for a lender who can help me with a refinanae but at 85% LTV.
Hello, im in San Dimas, and can do an 85% ltv refinance depending on the property type, occupancy, etc. my email is justin@nuhomefinancial.com

Are there any refinance loans with absolutely no out of pocket closing costs?
There definitely are Jeremy, I have some great spreadsheets that will show you the short term vs long term cost/benefit of looking at no cost vs. cost refinances.

Can a lender ask you for documents pertaining to your primary home purchase if they did the refi on your investment property?
If you didnt disclose to them the purpose of the cash out was to purchase a new property then it might be an issue if you dont provide the info.If you did disclose it and they didnt get what they needed then they made a mistake, and i would still send them what they need regardless, they cant change anything...

I have a condo listing in Northern Virginia that has a 28% investor ratio, with the buyer putting 20% down. Can you help?
Hello yes we can, if you can email me at teamjb@nuhometeam.com