Is there still such a thing as a mortgage broker? Why would I go with a broker insterad of going direct with a bank for example: Wells Fargo, B of A, etc...
That is a very good question. The reason you would go to a mortgage banker who is a direct endorement underwriter with FNMA, such as Gold Financial Services, is the mortgage banker will sell directly to FNMA. The mortgage bank will underwrite according to FNMA and not to a Wells Fargo stringent and...

Is mortgage rate related to sotck market? If so, how? I heard we are due for a market crash in Oct.
Mortgage rates are not directly tied to the stock market. Indirectly mortgage and bond rates are tied to the stock market. In uncertain times when the ecomomy is in or near recession, investors have a tendency to take their money out of the stock market and put it into the bond market or into a government...

I want to lower my interest rate
FNMA now requires you to be employed and have a mid credit score above 660 to get a decent rate. If you are employed, you might trying FHA since FHA requires only a 620 mid score and allows a debt ratio up to 55%. If you need help repairing credit contact me and I have someone who may be able to help you.

Mortgage for Unconventional Home
I agree, ;you will need a rehab loan or a FHA 203(k) multi unit rehab loan. A local bank will be the easiest to work with. I would avoid the mega banks and see if you can find a local bank run by local people.

Can we get an FHA loan immediately?
FHA has a streamline refinance program that does not require an appraisal. The loan amount cannot exceed 125% of the AVM (Automated Valution Method). Automated Valuation Model provides computer generated home appraisals for mortgages. AVM mortgage appraisals are designed to replace a lot of the...

Where do I feel out the credit application?
Enter your answer hereYou can go to http://mattspinn.snational.com and click on apply for a loan in the right hand corner. Fill out the information and I can get you an approval today based on your application.Be sure to locate the following items so I can get you a credit approval:1. 2011 and 2010...

Self Employed FHA/USDA
If the new business is in the same line of work, I may be able to help. Call me at 512-663-5515 or email me at mattspinn1@gmail.com

Are Second home mortgages available for less than 20% down
I will be able to help you. Call me at 512-663-5515.

could I get a lower rate going VA or conventional?
VA will give you the lowest rate and the lowest monthly payment. Call me at 512-663-5515 and I will get you pre-approved today.Matt SpinnLoan Officer NMLS 212443

I defaulted on a loan before will it hurt my ability to get a mortgage
It could affect your credit score. You will need established credit paid on time since the default such as credit cards, car note, etc. If the student loan is the only problem credit and everything thing else has been paid on time, you should be ok.Give me a call at 512-663-5515 and discuss your situation. I...

my name is jose santiago i very interest in this home
I am located in Harker Heights. I can pre approve you over the phone. Call me at 254-831-4747.

Best ways to purchase 2nd home with high DTI
You should be able to receive an approval with a 45% debt to income ratio. I can qualify you over the phone. Call Matt Spinn at 512-663-5515. Gold Financial Services NMLS 212443

Is there an advantage to "floating" my rate at this point before locking
Better off locking if you can live with your quoted rate.

I am looking for any texas a6 cash out information. Much appreciate
Hey Jim, You are limited to 80 percent loan to value. The value will be based upon the appraisal. The real key is loan amount and your credit score. Call me, and I can help you with your decision. Matt Spinn 512-663-5515

Conventional loan vs FHA loan underwritting
It will depend on your credit score, debt ratios, and amount of down payment you will need. FHA is great for borrowers with less than perfect credit and only 3.5% down. Typical Conventional loan will require at least 5% down and may have a higher rate. Everything will depend on your credit score. Call me for a...