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Michelle Curtis Loan Originator NMLS 401173's Answers

what is a good neighbor next door loan?
I can help you with The Good Neighbor Program as well. The house listings for NJ for the program is small. I can also give you some info on other programs you might be interested in, such as 97% financing on conventional loans. I also have info on a Down Payment Assistance program for First Time Homebuyers in...
Is refinancing at this time right for me?
There are many factors to take into consideration when answering your question. Some of these factors would be, what is the total amount owed on your home equity and your first mortgage? What is the current term on your first mortgage? What your current payment is on your first mortgage? When will your...
Rental Property Refinancing, Great Credit
You should be able to get a lower rate than 5.8%. More info would be needed. What to do owe on the mortgage? What do you think the value of the house is? Then to make sure you can qualify for that lower rate more info would be needed. If you would like a no cost/no obligation consultation please contact me. ...
Refi a rental, HOA problems in the past
Hi George, You should be able to refinance by now. If you are not living in the condo the refinance will be done as an investment property. If you have more questions please feel free to contact me. Thanks, Michelle Dema
Need help on investment/new home question
Hi Daniel, I have to say I agree with PatrickM. I would speak to your financial planner before liquidating any of your assets. If you would like to discuss further feel free to contact us. Michelle& Benny 201-962-3555
VA Loans
I just quoted a VA loan today at 3.875%. If you would like to discuss your situation feel free to call. Thanks. Michelle & Benny 201-962-3555
No credit history, can I get a mortgage?
William is correct. I am a mortgage broker in your area. Please feel free to contact me or my partner Benny to discuss further. I would need some more information to see what you will qualify for but you can get a mortgage if you do not have traditional credit. Look forward to hearing from you. Michelle Dema ...
Hi Paul, Ballen has a good point so it is really up to you. You could save a decent amount of money before you move, but if you don't move and rates are higher at that time you could be paying more than your 6%. If you would like to discuss further contact us. Michelle & Benny 201-962-3555...
Home improvement loan
You definitely have more than one option. If you do have good credit you would want either a HELOC or a cash out refinance. There are other factors that need to be known to see which would be best for you. If you would like to discuss further contact us. Michelle & Benny 201-962-3555...
Houston Home Refinance
Hi Kara, I agree with Burt. You should definitely speak with a mortgage broker instead of a bank. A broker has many more options available for you instead of going to a bank and only having their programs as an option. If you would like to discuss further feel free to contact us. Michelle & Benny...
Whats a homepath loan?
Hi Jason, Hans gave you a great answer. You get more for your money usually with a HomePath loan as well. They are Fannie Mae foreclosures. When you look at a property on you will see what the home last sold for. If you would like to discuss further feel free to contact us. Michelle & Benny...
Stated investor Florida mortgage
First question, is the issue that you do not show enough income to qualify? If you want to discuss further contact us. If we know the whole picture we might be able to get you to be able to qualify. There are things that can be done to lower your debt to income ratio. If this does not work we have another...
VA loan for a guy with bad credit
Thank you for serving our country!! You already have some great answers here. I just disagree with one thing I have read. Credit repair is not a scam if you find a reputable credit repair company. I send my clients to a trusted company and the company gets their scores to were we need them to qualify or higher. ...
Refinancing my home with 706 credit score
You would definitely benefit. If you would like to discuss further contact us. Michelle & Benny 201-962-3555
Refi an apartment building loan
Hi Steve, More info is needed. If you would like a free consultation contact us. Thanks, Michelle & Benny 201-962-3555
Is there a benefit from switching to an ARM from a FRM?
Hi Grace, I totally agree with Brady. The rates will likely only go up in the future. I would only go with a fixed loan unless you plan on selling your home within the next 5 years or how ever long of a Arm you would get. You could also check out a 15 or 20 year fixed mortgage as well. If you would like to discuss...
Can I get a HELOC with only 40% equity in my home?
Please feel free to contact if you would like to discuss further. It sounds like you could get a HELOC but depending on how many years you have left on your current loan and the rate it could make more sense to do a cash out refinance. Michelle & Benny 201-962-3555 TeamAmbassador@BestMortgageOption...
Can I get an FHA Loan even if I've already bought a house?
Hi Dennis, You did not lose out. You can get an FHA a loan. As long as your income qualifies for this purchase it sounds like you are good to go. The lowest down payment on an FHA loan is 3.5%. I would love to discuss with you further. Contact us! Michelle & Benny 201-962-3555 ...
VA refinance now that I am on disability
Hi Tony, You could give it a try first to call your current lender to see if they are willing to work with you. If not give us a call to discuss further. Thanks, Michelle & Benny 201-962-3555
Spouse eligible for FHA loan?
We can go down to a 620credit score if needed. Michelle & Benny 201-962-3555

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