Applying for an FHA home loan
Hi Jeff,When your parents purchased were you a "non-Occupied Co-Borrower"? If so, you would need to show that your parents have made the payments, provide copies of cancelled checks, and you would need to show that you have not lived in the home with them and that you have paid for your own...

Is Las Vegas a good market to buy a property in now?
In my opionion, now is an excellent time to purchase. Rates are at the lowest they hav been in years, property prices should be at a low point. I have seen many investors purchase many great properties in the last 6 months. If there is anything I can help you with just give me a buzz. Thank you, Melanie Dages...

What kind of Loan Will Require The Lowest Down Payment?
Hi Tim, If you are not eligible for a VA loan then FHA is the next best way to go for you. 3.5% is the required down payment, however; please keep in mind that you can have the down payment gifted to you by a family member. Many of my clients have been able to purchase with the assistance of a Family Member. And the...

Are mortgage rates related to gold at all? I see gold keep going up. Is that good for rates? SHould I lock now?
No, Mortgage rates are not tied to the gold market, however; when gold prices start to flucuate we see that alot of investors pull out of the stock market and purchase precious medals instead. This movement could affect Mortgage Rates.Hope this helps, If there is anything else I can assist you with...

are loans available on manfactured homes
Yes, Wells Fargo has loan programs for Manufactured Homes.. Contact me at 702-468-8737 or Melanie.a.dages@wellsfargo.com. You can also visit my website at .wfhm.com/loans/melanie-dages.

do you do ITIN loans in Las Vegas, NV ?
Currently I do not have a program for borrowers with an ITIN number....