Can i refinance my first mortgage and not my second?
Yes you can, however, it would require a subordination agreement with your second mortgage holder. In this care they would probably be happy to do it since it allows more capital to be left over to help pay the second off quicker. We can help you with the entire procedure.

Credit Report has no Score!
Free credit report only provides the report itself. If you want scores they will charge you for them.

Question about re-amortizing my loan
Re-amortizing is simply adjusting your payment to a new number of years in which you want your mortgage paid off. This is based on the amount of mortgage, the interest rate, and the desired length of time in which you wish to have it paid off.

Homepath Loan, Questions about qualifiying.
You would be borderline on qualifying on your own depending on taxes. You can qualify with your husband with no problem if he is renting his other home. If you would like to get qualified call 262-652-4600 Security National Mortgage. We are a direct lender owned by Security National Life Insurance...

Dad has underwater mortgage, can't make payments.
A deed in lieu of foreclosure would probably be your best option if the mortgage holder is willing to do it. As far as the power of attorney goes, there are several forms of it. I would suggest consulting an attorney on that matter.

Wish to transfer home into my Son's name
Your son will need to get his credit issues resolved before applying for a mortgage. Once that is done you can sell him the home. As a parent you can give your son an equity gift if there is equity in the home. If you need his credit repaired I have an excellent source for that.