Is 90 days a reasobable timeframe for refinancing a mortgage?
Enter your answer here You should have closed by now. Usually the time frame is 4-6 weeks. I would love to take this over and closeit asap. You need to ask them what is the problem that is holding this up. Is there a turnover in staff or is it a document problem etc.Mona HulteenSr. Mortgage AdvisorAdvisors...

Can I qualify for HARP with a federal tax lien
Enter your answer here If you have been making payments on time for over a year and they allow you to subordinate the lien, you maybe able to refi under the Harp 2 plan.email me: mhulteen@advisorsmortgage.com or call me anytime my work cell 732-233-9436

Can I do an FHA streamline refinance to change my 30-year FRM to 15-year?
yes as long as it meets the 5% rule. Sincerely,Mona Hulteen, Sr. Mortgage Advisor, Advisors Mortgage Group LLC732-233-9436 cell phone 7 days a week

Can a tx50a6 loan only be purchased in the state of tx?
I do not understand your question, I would love to answer it but need clarification.Thank you Mona Hulteen mhulteen@advisorsmortgage.com

mortgage question
first I would find out why your wife's score is so low. We need to go off of her score. Perhaps we can get that up in a quick fashion. Secondly, we need to find out what other debt if any that you have. Lets get to work call me at 732-233-9436 Mona Hulteen, Sr. Loan Officer with Advisors Mortgage Group.

is it possible to get a mortgage while in foreclosure
You cannot get another mortgage. You cannot pay your current one and therefore are not a candidate for a new one. I hope that you have worked with a HUD counselor regarding the foreclosure to see if you can stop the process and keep your home. You can also go on the NJHMFA site and fill out paperwork to get this...

Could a rapid rescore hurt my credit score?
Rapid rescore updates all of the tradelines that you are fixing. It does not hurt your credit score. Mona Hulteen Sr. Loan officer, Advisors Mortgage Group, Wall, NJ 732-233-9436

can you refinance more than once?
Absolultely. Everything depends on the current value of your home and the remaining balance on the present mortgage. If it is a cash out refi or a rate and term refi. What the credit scores are and if you would benefit from a refinance. There are rules and guidelines for everything and I would be happy to go...

is there a way to get a cosigner for a loan since my credit history is short?
FHA will let you have a non occupied co signer. Lets go over all of the facts and we can see if you can qualify. I am located in Wall, New Jersey.732-233-9436 Mona Hulteen, Sr. loan officer, Advisors Mortgage Group LLC

Do you have a phone number to call.
Sure, my phone number is 732-233-9436 it is my business cell and I am available to answer questions 7 days a week. I am a sr. loan officer with Advisors Mortgage Group and have been for several years. I do a lot of business up in the Montclair area.I am looking forward to speaking to you.Sincerely,Mona Hulteen

What kind of rate would I be looking at with a 740 score?
You will do better with a score of 760 and above. You could look at 1/8th better depending upon the type of loan. If it is for a VA or FHA loan or USDA loan you would be ok with the 740. I would be happy to instruct you.Mona Hulteen 732-233-9436 sr. loan officer Advisors Mortgage Group

Does home rented v. owner occupied affect mortgage rate?
If you purchase a home as a non occupied owner, investor, and rent it out, the rate will be higher than if you purchased the home and occupied it. This also goes for an owner occupied multifamily vs a non owner occupied multifamily. You can call or email me for more information: ...

Do underwriters call landlords for rent verification?
Underwriters, will look at verification of rent forms from a major rental complex. If it is a private landlord, they will want to see the last 12 rent checks indicating a payment on time for 12 months.

what would get my application denied in underwriting?
If there any discrepancies in any of the information that you supplied and with any information that cannot be verified. Also, any major changes to your income or credit report. Income and credit can be checked right up until closing a loan.

Can a bank trustee refinance during bankruptcy?
If you have been in a chapter 13 and have paid on time you would have the ability to refinance after one year of on time payments. The trustee will look at your whole profile and will determine if it is beneficial.

what if my credit score is 590
I think that the first approach is to look at what the 590 reflects. Is this a mortgage trimerge and is this the middle score or did you get this score online. If you did not get a mortgage trimerge score the 590 means nothing at this point. If it is truly a 590 score let see how we can make it better in the short run...

Hello, I have been out of work for a year and just started working again as a Pre K teacher making $29k.
You can use your income only. You cannot use your husbands unless you want him on the loan. In this case you would need to make sure that his credit is up to par. It is time to look at the whole picture in order to make a plan. I can help you. email me or call me at your convenience. mhulteen@advisorsmortgage.com or...

What type of help do you need? You can email me or call me;mhulteen@advisorsmortgage.com or 732-233-9436

Looks like you will have to contact Lender 411 directly. Good Luck!

Maryland Mortgages
Do you want to buy a house in Maryland?