How do I go about requesting a loan to buy my first house?
You want to call a community bank that will provide you with quality service, experiece and that is also heavily involved with the community and charitiable events that way you can see that they are reputable. I would be happy to help you out as my company is based out of Tennessee! I have 10 years of...

Mortgage refi question for an investor...
The most important issue you have to look at is your income. You mentioned you are self employed. I know that can tend to bring on a very low AGI ( adjusted gross income)- rates will not be in the 3's- most likely you are looking at high 4's low 5's to be realistic- that answer above is out of...

Looking for a lender with the best rates..any suggestions???
Good afternoon, You are never going to get accurate figures working with the bigger banks like wells fargo and or going online. There are far too many teaser adds that claim rates that just are not even feasible or they show you a varaible rate and trick you into believing its fixed for 30 years when it is...

ballpark info on rates
Good afternoon Folks, My name is Gianni Cerretani, an affiliate lender with Homes for Heroes and a Senior Mortgage Banker here at First Community Mortgage in Atlanta Georgia! First I wanted to take a minute to introduce myself and my bank! I have over 10 years in the real estate and banking industry!...

Hi, I was offered a 4.75 fixed loan for $1270 a month and have to pay at closing $300. However, my other option is to get 5% and at closing get $900 back. I need to lock in the rate what do you recommend?
4.75% will save you $300 worth of interest in the first 6 months!Gianni Cerretani SENIOR MORTGAGE BANKER"Old fashioned business done with modern day thinking"Main Line: 678-381-2272 xt. 229 Direct: 678-381-2264 Cell: 404-213-9663 Fax: 888-275-1833gianni.cerretani@fcmhomeloans...

I have 650 credit score and do not work, my husband works and no credit score....can we get a loan for a home?
I have over 11 down payment assistance programs to help you guys out please call me to see which one fits your situation and help you and your husband buy a home.Sincerely,Gianni Cerretani SENIOR MORTGAGE BANKER"Old fashioned business done with modern day thinking"Main Line: ...

2 single individuals - Qualify for FHA?
Yes any number of people can own a home with an FHA loan as long as they are living in the home and that is their primary residence. I have a $5,000 first time home buyer grant that you might qualify for and this will help you spend less then 3.5% down and then this will give you more room for price increases as...

Rebuilding credit and wanting to buy a house.
You most definiley qualify for a VA home loan- I specialize in Loans for veterans with my special HOMES FOR HEROES PROGRAM- please check it out- www.homesforheroes.com -not only can I get you 100% financing but I can probably save you close to 4-5k on closing costs because of this program!Gianni...

Please remove me from your contact list. My bank just sent me a notice stating I will be charged a lot of fees if I investigate refinancing. I can not even get a payoff quote without paying.
If you have access to online payoffs you may be able to obtain one without a cost. But the lender below is correct in everything he states they cannot deny you a copy of the payoff of your loan. They can charge you fax fees and other silly stuff but that is the unfortunate part about servicing companies and...

mortgage loan
Adding to what others are saying you can also look at your liabilities and see if you can refinance your car loans to spread the payments out and you can also payoff debts to lower the debt to income ratio which it seems like the reason they are having issues. They will have to use the part time income...

Can I lose my deposit if loan not approved due to sudden lack of income?
I agree with the other lenders but if you went past your financing contingency in the purchase and sale contract, which it sounds like you did then the seller by law has the right to keep your earnest money-while unethical its still legal. If you are still protected under the financing contingency then...

My credit score used to be 819 before buying a house and now its 766, is it normal?
That tends to happen when you take on a large liability like a new mortgage but as soon as you start making payments the score should come back around! 819 is just about perfect and any score over 750 is considered perfect in the eyes of the lender so whatever you are trying to do your credit should not be an...

Any lenders for discharged 7 or 13 . All other number excellent.
You must be 2 years from discharge date on a chapter 7 and after a capter 13 is discharged there is no seasoning! As long as you have rebuilt your credit scores and established new tradelines with on time payments you should be good on the chapter 13! However you will have to wait until 9-12 for the chapter...

Can I get a 100% mortgage with a 590 credit score?
I agree with all the others and credit repair may be as easy as paying off some revolving tradelines to help boost your scores. We have a very reputable credit repair company that charges a one time flat fee- money back guarunteed. If you would like there contact information please e-mail me at gianni...

I am 52 yrs old and have rented the house i live in for 21 years. During the course of that time I raised 3 children alone and put myself through nursing school. I have been a nurse for 15 yrs and do not even no where or how to begin to see if I can finally own my own home. any help would be great.
I have the perfect program for you called Homes for Heroes that rewards hardworking health care professionals such as yourself. Feel free to check out the website www.homesforheroes.com and call me or email me at any time so I can discuss the entire benefits of buying a home through this program. I answer...

My score is 777,my hubsands 750; I am a recent stay at home mom, will the lender use my score w/out income?
Unfortunatley your income would not be able to be used but as long as you do not throw off the debt to income ratio you should be able to be on loan regardless of having no income. The other option is staying off the loan and just being on the title. This still allows you to be an owner of the home with out have the...

should we wait to buy a house
I am in total agreement with the other lenders and just know that paying off the judgement and charge off might lower your score a bit so I would recommend your fiance getting pre-qualified on her own and you can be added to title so you still have ownership interest in the home. Just be aware as these other...

603 Fico
My suggestion would be to have your credit report completely analyzed to see if there are ways to get your credit score up to a 640 for an FHA 3.5% down program. The lower scoring FHA programs come with stricter debt to income ratio guidlines and higher rates so it is worth the time to look into this and then...

Low credit score of 570. Can I get a $150000 second home loan?
For a true second home you are going to have to put a minimum of 20% down and have credit score of at least 620 to qualify for conventional funding. FHA does not write second home loans so I disagree with the other lenders advice. Hard money is going to be very exspensive 50-50% loan to value 12-17% interest...

Loan Scenario: CT, $143,920, 690, 80% LTV, Purchase
First and foremost you want to check with your realtor and find out if the condo complex if FHA approved otherwise you may waste a lot of time if it is not. If it is not FHA approved then you cannot obtain FHA financing on that property. Just like the other lenders explained, FHA would be the best way to go...