I own my home free and clear. What loan is best for me?
There is a perfect loan program just for your needs and requests. We as a direct lending national mortgage bank offer this loan program. As a Senior Mortgage Banker with many years of experience and the NMLS mortgages to originate these loans, I would be pleased to help you. I live in the metro Phoenix area...

Pre-Qualified for Loan, 20% down, in escrow, then lost employment, Can I still buy Home.?
not until you re-establish income to be able to afford the loan payments within the guidelines

Question about underwater mortgages
I would pleased to assist you on the phone if you wish 623-340-0934.It is unclear to me what are the issues in your complaint to the state banking department.From the circumstances you are describing, it would appear that indeed you may owe more money on the combined first and second mortgages that your...

How soon can I refinance?
Thomas, There is no waiting period is you do a standard FHA refi with an appraisal. For an FHA loan, you have an option to Streamline refinance at the lower interest rates without having to fully qualify, and no appraisal is required. You must have made at least 6 monthly payments, zero late (30 days or...

Retiree looking for home loan
Justin, I have successful helped veterans work through the required paperwork to show extenuating circumstances with medical issues this year. I would be pleased t help you with your loan needs and walk you through the loan issues and requirements. It is possible but requires documentation. Please...

Any less than 20% programs for Jumbos?
There are some programs that you use to to qualify for this loan. As a Senior Mortgage Banker licensed in California working with a direct lender I would be pleased to go over all the options with you for both mortgages. Please call me at 623-340-0934 discuss this in detail or you may email me directly at...

P & R Conforming Loans in California?
Carl, as a Senior Mortgage Banker licensed to do loans in California working with a direct FHA lender we can and do offer both the 203k Streamline loan (under $35,000) and the FHA Full 203k loan over $35,000. We are also a direct Fannie Mae lender offering the HomePath loan. Please call me at your...

Underwater, need help.
Call me at 623-340-0934 and let's review the HARP 2.0 program as well as review all your options, requirements, and potentials. As a direct lender, we are prepared to get our customers all ready to go through the HARP2.0 program as well as keep them abreast of all the recent programs and options...

Mortgage on a house fully paid
Yes, you will be able to take cash out but you will to qualify based on value, debts, reserves, and FICO. Depending on how you utilize the property (2nd home or investment/rental property) and how you hold title, will depend the loan to value you can use for your maximum cash out value. As a Senior Mortgage...

Refinancing FHA loan, is this a good offer?
you're LTV is 80%, why would you go FHA ???and the 3.5% FHA for 15 years fixed with no closing cost and no appraisal fee, if there is nothing hidden.........good dealYour current FHA 30 year fixed at 4.875 can be reduced for sure.Good luck and let us know, Hi there: If you have a FHA loan you can utilize a...

Underwater on mortgage
Wait until HARP2.0 comes out in March, 2012, call my friend Ron Litt with Open Mortgage and refinance. Tell him Korene sent you. 281-961-4570 ron.litt@gmail.com

VA loan for army reserves
You are eligible for VA home loan veteran benefits if you: Served in: Army, Navy, Air Force, Marines, Coast Guard, National Guard or Public Health ServiceActively Served 90 Days Minimum or 181 Days During PeacetimeHonorable DischargeGeneral Discharge (under honorable conditions)Served...

Reverse mortgage information
No it does not have to be paid for. the youngest one on the title must be at least 62 years of age. here is some additional reverse mortgage information for youA reverse mortgage is a loan for senior homeowners that uses a portion of the home's equity as collateral. The loan generally does not have to be...

inheritance of a home
Please seek legal advice from a professional in Louisiana

Looking to get a new VA home loan
Thank you for your service and sacrifice for our country. VA Loans are for primary residence only. You can do a cash-out refinance on your primary that is VA and then use those funds to purchase a second home. Please call me and I would be please to help one of America's finest. I am a Senior Mortgage...

Where can I get a VA loan for the Fort Worth area?
I would call a professional that is licensed in TX and go over ALL Your options. I would strongly recommend you call Mr. Ron Litt, Open Mortgage at (281) 961-4570 and get his advice and counsel. Tell him, Korene, sent you.Open Mortgage is a Mortgage Broker.

Is short sale the only way for me to move into another home quickly?
You are in a good position. I would call a professional that is licensed in TX and go over ALL Your options. I would strongly recommend you call Mr. Ron Litt, Open Mortgage at (281) 961-4570 and get his advice and counsel. Tell him, Korene, sent you.

Home refinance rates for a $300,000 home
There are rates that are lower BUT depending on the type of loan you have and the amount of time in your existing loan, PLUS the amount of the loan balance remaining....unless you can lower your rate extensively by 1% or 1.5%, it probably would not make sense to refinance.IF YOU HAVE A Conventional loan that is...

Bankruptcy of husband, our divorce and our house mortgage
IF you can qualify on your own, I would try to keep the house sole and separate outside of the Bankruptcy. I dont know enough of your situation, your husband's situation to answer the question as to whether it will be protected or not from creditors. If you would like to call me at 623-340-0934 or...

Are there still brokers out there? My realtor is recommending a broker.
Joan, I cannot answer for your realtor. I can tell you that most realtors I know and work with are ethical and knowledgeable and highly professional. As a direct lender, we have most any program that you would want or need. Please call me and I would be pleased to help you. Korene L. Clopine-SeamanNMLS#...