Can a loan be canceled if tax returns are unavailable
Lenders can move forward with a Copy of 2017 validation showing "No Record Found." Or a copy of a tax extension.

reverse mortgage
What do you want to know about reverse mortgages? Please call me at (949) 202-6677 if you would like to talk.

Mortgage loan no credit 30%
I have one program that may work for you... Employment not stated on the applicationIncome not stated on the applicationIncome documentation not requiredLoan amounts up to $2 millionLTV up to 75% purchase/rate-and-termCash-out options availableDebt consolidation = rate/termFICO beginning at...

Applied for USDA but got an FHA instead
Frostman, My best guess is that even though you may not have a lot of debts once you add in the cost of a home payment, property taxes, and home insurance your income is limiting the loan size you will qualify for -but you should talk with another lender for seocnd opinion. Mark Stillman NMLS# 289388

Can I be charged an appraisal fee twice?
I have been in this business for 20+ and have never had any borrower moved from a VA to a FHA loan. Why are you moving from a VA to a FHA loan? It sounds like they are just ordering a new appraisal. I'd suggest calling another lender and getting a second opinion. You are most likely working with a call center...

Are there lenders who take on a small amount for refi?
Hello Robby, I am a mortgage broker and may be able to help you but I'd need to know if you have a mortgage on your property now and what the balance is -and what yoru credit score is. Mark Stillman @ (949) 202-6677 NMLS # 289388

What is an acceptable source for a gift for down payment?
Gift funds need come from anyone related to the borrower by blood, marriage, adoption or legal guardianship. Your "Ex" is not longer by marriage. There are down payment assiatnce programs for FHA and convenrtional -some are income based and others are location based. A lower than expected appraisal...

Planning to get a second FHA loan but got denied
You can have a second FHA loan under specific conditons. You can get a second FHA loan if you relocate for a new job, move at least 100 miles away, have a bigger family, leave a jointly owned property, or co-signed on someone else's FHA loan before.Mark Stillman NMLS 289388 (949) 202-6677

Question about buying a second home
Hi Ryan,I'd need more information. What is your income? How much do you have to put down? etc. Mark Stillman 949-202-6677. NMLS # 289388

Trying to save for renovations
Hi Jen, Conventionqal loans can go down to 3% for purchase and there are renovation loans you can get for both FHA and conventional loans. There are also down payment assitance programs that can offer no down payment. Are the renovations cosmetic or structural? Mark Stillman Oso Creek Mortgage (949)...