Broker Or Direct To The Bank?
I agree with Gregorio and gave him a thumbs up, search for a Loan Officer with good intentions!Matt Elston, AgSouth Mortgages, p. 803-324-1131

Second VA Loan?
It's not a one time deal. It does affect your VA Funding Fee each time you get a VA Home Loan. Actually as of last year the VA made some changes to where you can get (2) VA loans at a time, BUT the restrictions make it less than likely.To get a VA Home Loan in SC, call Matt Elston at AgSouth Mortgages.P....

25% Down Payment!
In SC 2nd Home Financing up to 90% is no problem with excellent credit. Get your vacation home in the Palmetto State, and call AgSouth Mortgages for all your home financing needs. Matt Elston p. 803-324-1131

Stick with my current lender, or go with a new one?
Check the rates online, if your lender is close to the best and your previous Loan Officer is still there he or she will give you the best service (or at least I do for my returning customers). If there not close, go with the best rate from a reputable lender.

When is a good time to refinance ? I have a 7/1 variable rate that has already been up since last October, but it stayed at 5.25%.. It is at 5.25%,
Although I'm not in your area, Yes, definately Refi, my 7/1 Arm today is at 3.125%, unless you owe less than $50,000 and/or moving next year, it's definately worth the savings.

What do I need for a mortgage.
Hey Jennifer,It sounds like your on your way and in an excellent position to buy your first home.The only thing that might hold you back is if that credit card is brand new, and if it's your only tradeline on credit. If it is your only, but you've had it for 12 months or more you should have at least...

How many percentage points should lower your rate be for a refinance to make sense?
1% is the rule of thumb, but if you've got a large ($250,000 mortgage or more) or your getting a No Closing Cost Mortgage every little bit can help.Matt Elston, AgSouth Mortgages803-324-1131, ext 1

We live in SC, we have a conventional Loan and wanting to purchase a new home,can we get another conventional loan? Not selling.
Sure, give me a call and I can get you prequalified. Our "Niche" is homes on large acreage.Sincerely, Matt ElstonNMLS Id # 69609Mortgage Loan Originator, AgSouth Mortgagesoffice 803-324-1131, option 1Shortel 2306cell 803-493-1392fax 803-328-9272melston@agsouthfc.comfor US Mail...

do I need a doctors note for fha loan if on disability?
The guidelines state we need to EITHER prove you'll receive it for 3 + years or the it needs to be so obvious that the underwriter assumes you will receive permanently.So documentation is key.The underwriter wants documentation to back their decision.AgSouth Closes a lot of FHA, VA & USDA Home Loans.You...

My score is about 550, is it possible to get a mortgage?
AgSouth requires a minimum middle credit score of 620 on all of our home loan programs.*****AgSouth Closes a lot of FHA, VA & USDA Home Loans.You can contact Matt Elston @ p. 803-324-1131, then press 1

How does my employment history affect my chances of getting a loan?
UNDERWRITING IS GOING TO WANT A BETTER ANSWER THAN TO TRAVEL, IF IT WAS YOUR MONEY WOULDN'T YOU?Matt ElstonNMLS Id # 69609Mortgage Loan Originator, AgSouth Mortgages office 803-324-1131, option 1 Shortel 2306 cell 803-493-1392 fax 803-328-9272 melston@agsouthfc.comfor US Mail delivers...

Adjustable or fixed rate?
GO FIXED, I'M 99% SURE RATES WON'T BE THIS LOW IN 5 YEARS, AND YOU MIGHT WANT TO STAY THERE.Matt ElstonNMLS Id # 69609Mortgage Loan Originator, AgSouth Mortgages office 803-324-1131, option 1 Shortel 2306 cell 803-493-1392 fax 803-328-9272 melston@agsouthfc.comfor US Mail delivers...

how much will a short sale affect my credit?
In terms of buying a house, a lot. I wouldn't plan on getting any good financing for a house for at least 3-5 years.Matt ElstonNMLS Id # 69609Mortgage Loan Originator, AgSouth Mortgages office 803-324-1131, option 1 Shortel 2306 cell 803-493-1392 fax 803-328-9272 melston@agsouthfc.comfor US...

where to get a mortgage
This why the government created the Truth in Lending Disclosure, compare the A.P.R.s and go with the lowest.Matt Elston, Mortgage Originator, AgSouth Mortgages, 1321 Springdale Rd, Rock Hill, SC 29730office line: 1 (803) 324-1131, ext 1melston@agsouthfc.com

rent receipts
A legible ledger and a "Verification of Rent" completed by the apartment manager should be sufficent if you paid your rent on time.Matt Elston, Mortgage Loan Originator, AgSouth Mortgages, 1321 Springdale Rd, Rock Hill, SC 29730office 803-324-1131, option 1melston@agsouthfc.com

can we refinance our home with a credit score of 630?
Yes, but personally I would be improving my credit 1st, then buying a home. Unless it's a fluke thing, a credit score below 680 indicates that you could be boarding on serious financial problems.

Qualifying for a new home construction loan
LBennett had the best answer.Give Brandon or Barbra a call, sounds like they know what they're talking about and can help you. Construction loans are a lot of work, and can be tricky to get. Good luck to you.Matt Elston; Mortgage Loan Originator, AgSouth Mortgages; melston@agsouthfc.com;office ...

Can my lender refi my loan with out my signature or knowledge
Not without having someone fraudelty forging your name to the closing docs. Contact the real estate attorney that "closed your loan". And ask to see a copy of the signed docs, see if it's your signature.Matt Elston; Mortgage Loan Originator, AgSouth Mortgages; melston@agsouthfc...

ssi disability letter from doctor
LBennet had the best answer I've seen.Looks to be okay with me. The word "indefinitely" is what they want to see.Matt Elston; Mortgage Loan Originator, AgSouth Mortgages; melston@agsouthfc.com;office 803-324-1131, option 1

Need lender in Greenville, SC
We have Jumbo Financing to 80% Loan to ValueMatt ElstonNMLS Id # 69609Mortgage Loan Originator, AgSouth Mortgagesoffice 803-324-1131, option 1melston@agsouthfc.comfor US Mail delivers only to: P.O. Box 10941, Rock Hill, SC 29731-0941our Physical Location / UPS / FEDEX / is: 1321 Springdale Rd,...