can i deduct the fees for a loan modification
Hello,You will definitely need to contact your CPA/Accountant for any tax questions. thank you

my credit score is 564, what the chances of me getting a home???
I do not currently have an option for a 564 credit score. Minimum requirements are generally 620. I would be more than happy to see if there is anything we can do to assist you Call me at 720-810-4917

Can I get a VA Home Loan?
To be eligible for a VA loan, you must have honorable discharge or general discharge. There are other financing options that you may quailfy for. FHA is a 3.5% or more down payment program, USDA is rural property qualifications with 0% down, conventional has a 3.0% down payment program or more. You can...

Is there a waiting period for getting another FHA loan if I want to turn my current home into a rental property?
There may be possible options for you. Please call a local licensed mortgage originator to discuss and they can let you know your options.

im just cominn out of bankruptcy what options do i have to refinance my mortgage
2 Years out of Chapter 13 and must be current on credit and can have no delinquencies after the bankruptcy on FHA, in general. You should contact a local licensed mortgage originator in your state to discuss all of the details and they can assist you with your options.

how can i determine if my mortgage was bought for less than face value?
Great day to you. I am not sure of the question. Loans are bought and sold on a regular basis. You should contact your servicer to get any information that you need on your current mortgage.

Trying to reach a human but not getting anywhere. Help
Great day to you. You can find a Local, Licensed Mortgage Originator at www.namb.org This is the NAMB, The Association of Mortgage Professionals website. Put in your state, zip code, Click on FIND a Mortgage Professional on the right hand side of the website.

What is the minimum wait time after short sale 2013?
Generally FHA and VA are 3 years after a short sale, USDA is 2 years after a short sale. Possible 2 years if there were no delinquencies. I am a local licensed mortgage originator and would be happy to answer any questions that you may have.

is 620 acceptable for an fha loan?
The question is, is 620 acceptable for an fha loan? In general, the answer is Yes, however there are many other factors that play role in the mortgage options and loan decisions. It is best to contact a local licensed mortgage professional in your state. To find a mortgage professional in your state you...

People have suggested I lock before rates gets worse, but i'd like some professional advice. Should I lock now?
Unfortunately nobody can make that call for you whether to lock or float. If you are happy with the rate and the payment you should lock and not risk what you currently have. Looks like the market it getting worse. You should talk to the licensed mortgage professional that took your loan application to...

I am going through a divorce and she is taking our home. Bad time to buy?
I would suggest that you contact a local licensed mortgage professional in your state and discuss all of your concerns with them in person so that they may give you the best options. www.namb.org is the association for mortgage professionals. Right hand side of the screen and click on find a mortgage...

Can i rent out my house if i live in it? I have a va loan.
Hello. The best option for you is to talk to a local licensed mortgage professional in Texas. Sit down with them and they can explain the options. www.namb.org Put your state in TX where it says Find a Mortgage Professional. In addition, there are mortgage professionals that are involved in www.usacares.org ...

What my husband credit score have to be in order to get a va loan
Depends on the lender that you go with. The best answer is to contact a local licensed mortgage professional in your state. www.namb.org Put your state of CA in where it says Find a Mortgage Professional. Contact them and ask for assistance. Discuss your complete scenario with them and they can give you...

How can you avoid PMI on a purchase with 10% down in california?
To eliminate PMI you you have to have 20% down, which means you have an 80% loan to value. The best advice is to talk to a fully licensed loan originator located in California. You can find them on NAMB, The Association of Mortgage Professionals website at www.namb.org

will my lender be able to get a tax transcript during the shutdown and if not will the IRS delay this process?
You should talk to the lender that you are using directly to verify

i\'ve saved a few years to buy a home but my credit is around 600 due to old credit debt. Are subprime loans still available?
Hello Mike,I am a local licensed mortgage broker here in Colorado and would be happy to discuss your options. 720-670-0124 Kay. We do offer FHA loans and can go down to 580 credit scores, which require a 3.5% down payment and can come from a gift from a family member. If you are a veteran you might be able to do a...

home equity w bad credit
It depends on what your credit score and credit is. I would suggest that you contact a fully licensed local mortgage broker and talk to them. We are there to help and offer free consultations. You can find a mortgage professional at www.namb.org for your specific state.

can i cash out refi on inherited property, if so when and if the property was paid off will interest be high?
Yes, you can do a cashout refinance on an inherited property. There are specific guidelines. You should call a local mortgage broker that is fully licensed. It doesn't cost anything to have the mortgage professional get the answers for you. You can find a mortgage professional at www.namb.org

would i qualify for a coventional home loan @ a score of 635.and already having a FHA home loan keeping current
Great day to you. It is hard to answer this question without having more information. The best thing to do is to contact your Local mortgage broker in Indiana and ask the specific questions. you can find local fully licensed mortgage brokers that are designated and hold the Lending Integrity Seal at www...

I am looking at a house in the neighborhood to buy, fix up and sell later this summer.
The best way to begin this process is to contact a fully licensed mortgage broker in CA and go through the entire scenario with them. www.namb.org click on the top right side where it says find a professional and put in your state and search.