If my husband and I are about to divorce should we wait to refinance?
I agree with what has been said here. There are a lot of questions that need to be answered before giving you advice. But you should consult with a mortgage professional before you make a decision on the home for the divorce. I can do loans in Missouri so please feel free to contact me.

What is the down payment requirement for a veteran loan?
With a VA loan, there is no down payment required. Please contact me if you have any additional questions.

in kansas...what are the LTV maximums on conventional loans
Right now the maximum LTV is 97%, but on November 16, 2013 that will be reduced to 95%

can i see how i qualify for a mortgage without going to see a lender
We can cover some basics over the phone to see where you stand currently in regards to being able to qualify for a loan. Talking to a lender does not commit you to anything and I can help you put a plan together so you'll be in good shape when you are ready to buy.

Can anybody refinance us with a middle 585 fico score?
I also have options for a 580 score. My website is www.mortgagemiket.com and there you can find my contact information.

Low Credit Score
It is going to depend on your actual credit score and the reasons why your credit score is so low. You can email me your phone number and I will be happy to discuss it with you. mtowler@firstmortgagesolutions.com

what is the best market metric to use to monitor rates?
I recommend watching the MBS prices. You can go to mortgagenewsdaily.com and click on market data and then MBS prices. This isn't in real time unless you pay for it but you can refresh throughout the day and get good idea on what interest rates are doing.

do down payment minimums increase depending on credit?
3.5% is the minimum down payment required for a FHA loan. The fact that your score is below 700 would not require you to make a bigger down payment.

Can a loan be considered a HARP if the LTV is less than 80%? Does it have to be upside down?
Yes it can. It does not have to be upside down.

do i need to secure a pre-approval letter for a new house before i list my current property?
That would be a good thing to do. I would be happy to discuss your situation with you if you would like to give me a call.

if lenders check 3 credit scores, do they go with my highest rating?
Most lenders will use your middle credit score.

What's the debt to income ratio for an FHA loan?
Different lenders have different overlays but I have options available up to 50%

Can I pursue a refi if I used HARP last year
Yes, you just won't be able to do another HARP loan. If you just refinanced last year what is your goal in trying to refinance again. I can help you look at the numbers and help you decide if refinancing makes sense.

whats the best i could do with a 590
I have options for FHA loans with scores as low as 580. If you would like to discuss your options please contact me. mtowler@firstmortgagesolutions.com

if I buy a $225000 home with $45k down, how much PMI would i probly pay?
With a loan to value of 80% which is what you would have in your scenario, you would not be required to have mortgage insurance

Can I dodge FHA insurance by refinancing into another loan type?
You can look at refinancing into a conventional loan, but if your loan to value is over 80% you will have to deal with mortgage insurance in one way or another. Conventional mortgage insurance is most likely going to be cheaper than FHA mortgage insurance and will drop off when your loan amortizes down...

Once I get pre approved for a home loan by one company, am I obligated to get my loan through that same company?
No you are not obligated to go with that company, you are still free to shop for the best deal.

whats max i can get from a cashout refi with 80% LTV?? va loan with 712 credit
Your question raises many additional questions. You can give me a call at 816-778-7023 and I will be happy to discuss your situation with you.

Which credit score used by lenders?
We will use the middle score. So basically we throw out the high and low scores.

Refinancing out of FHa early possible?
I would be happy to discuss your options with you. Sounds like you have a few things that will factor into your options so a phone discussion would probably be best.Mike 816-778-7023