I am scared of rates going up in 2010. What is your prediction on the mortgage rates. I have an adjustable that resets next year
Rate's are at an all time low. It would be very wise to lock into a fixed rate now. This depends on a couple of things. Ask your self how long are you going to be reciding in this home. Also will it save you in the long run. There's a lot to look at. If you have anymore feel free to call me @ 877-791-4868

I asked this before and never got an answer, can someone please help with "Conforming Jumbo" ?
Conforming is a Fannie Mae Freddie Mac guide that lets the lender know that they will gaurantee the loan. There are programs out right now that depending on city, state they have increased the loan amounts from fannie and freddie guide's to assist homeowners to reduce their rate's.Jumbo...

is there such a thing as a wholsale rate? I have a family friend he says he can give me wholesale rate to refi
Yes that's what a approved mortgage broker recieve's from a lender. I thought he's giving you his rate to do the loan.

question how much do we need to put down with a 780 credit score?
Depends on debt ratio. If that's good you should not have any problems

Hello I am a 30 year old woman who want to purchase a home before Jun 30. The bad news is that my credit sucks. Besides Student Loans-- I only have 2,000 in bad debt. Most of it is collections and charge offs from small credit cards. And this was really late charges. One of them was like 200 bucks. I may 80,000 a year-- and also get 1,3000 a month in tenant payments. Is there any hope for me?
What you need to do is get those debts paid off and that will get your scores up. Call me and I 'll show you what to do to make this happen. 877-791-4968 Sincerely Mike DiMarzo

Do I qualify for the new HARP program?
The new program hasn't been fully released as of yet. But if all goes well this loan should fit within the new program guidelines. If you have any further questions call me at 410-691-3669.

inheritance of a home
You really should seek legal advise on this situation. If I can be of any help in maybe refinancing the current loan. Please comtact me at 877-79-4968.

Refinance
Absolutely! Give me a call and I will put something together to let you know exactly what your rate and payments would work out to be. 877-791-4968Thanks

Purchase a home
This should be enough to quailfy for the purchase of a new home. There are some factors that also will need to be answered and I would like to help with this.I have over 20 years experience in the Mortgage industry and can offer FHA lending. So give me a call and lets see what we can put together for you.Remember...

how long after foreclosure can i get a loan
Yes it depends on the Lender, Also the credit availability that has been established since your since your divorce.

Re-fi out of FHA based on "inherited" equity?
Seems to me that you wouldn't need to Keep the current FHA Loan.....you just need to refinance the first into your Names as a Conventional type loan .....Give me a call I can help....we have great rates......my number is 877-791-4968.

Lenders, HARP and LPMI
You can refinance with MI under the Harp program.....you need to transfer the MI over to the New Loan.....we can do that for you if you would like give me a call @ 877-791-4968. I have over 21 years experience in the Mortgage business would love to help you out.

Are there loans to refinance a single family investment property?
Yes and the rate's are Great! Give me a call and I'll go over the process with you.... and what it will take to get it done. Call me @ 410-690-4388 Thanks

What's the best day of the week to lock in a rate? Does it make a difference?
Never Friday Or Monday. Tuesday -Thursday are the Best Days I have Found To Lock,

Is a refi more successful if you go through the HELOC bank that denied subordination?
If the property is in Maryland there is a New Ruling That Maryland put into effect in October 2013 that if your loan meets the New Requirements a Subordination is normally granted by the Lender or just not needed.There are a couple other ways that might interest you that could help you out.Please call me...

are there ways around fannie mae restrictions for refinance?
Not sure why you are looking to refinance? Lower Rate, Debt Consolidation? If you received your current FHA loan before May 2009. Why not just streamline the refinance back to a FHA Rates are Great and Mortgage Insurance doesn't increase? Please call me I also might have another way to Refinance your...