Refinance 110% or Refinance with HELOC?
Your best option to go wth for this type of renovation is a Renovation Loan with Wells Fargo. -- The even though the Rate on Reno Loans are a bit highter the loan is calculated on the affter completed apppraised value of the the home with the work completed. Call me to better explain the program to you if...

what's maximum CLTV on Harp 2?
The CLTV is unlimited depending on who your lender is. If your loan is with Wells Fargo the CLTV is unlimited. Wells Fargo would not be able to Refinance your loan if your current loan was with another lender at this point in time. Only can refinance Freddie HARP's if the loan was originated with Wells...

Can I get a 5% down 30 year fixed mortgage with a 640 credit score?
Yes. You could even possibly get a conventional loan with certain banks like at PNC under certain programs that they offer. Otherwise you'll have to go with an FHA loan. It really would depend on several factors like your loan size, loan amount, credit score, annual income, etc.. Call us at PNC...

Is a home inspection and appraisal always required on a USDA loan? Trying to save costs.
Bradley, Home Inspection is your choice. An Appraisal always. Keep in mind that you should look into a termite inspection, Radon Test, Septic Inspection, Well Test if its a Single Family Residence. Call me if you'd if you'd like to go over all of your lending options in detail. Thanks, Keith Reilly PRMG,...

Been in home for 25 months, and bought with an FHA loan. Would like to get a new loan.
Would love to assist you with a possible refinance but will need additional information form you regarding your loan scenerio. Please feel free to contact me at 201-788-2368 to discuss your loan options. Regards, Keith ReillyParamount Residential Mortgage GroupKeith@KeithReilly...