Where do I fill out an application?
Lynne,There are several ways you can complete an application. You can do them in person, on the phone, online, or by email. I would start by locating several lenders in your area. Review their profiles and see who you think you will be the most comfortable with. Good Luck!

Transfer of apprasial
Some lenders will allow an appraisal transfer for a USDA appraisal. However, most of the time this is not a quick fix. If a closing delay is the reason you want to change lenders moving could actually hurt you. Depending on where you are in the process you could be starting from scratch. If you are unhappy...

Are the HARP refi rates typically higher than normal rates?
Harp Rates are higher because of adjustments to the base rate. Your credit score and LTV are huge factors when it comes to adjustments. If your credit score is a concern, start with your current mortgage holder. Their guidelines will be a little more liberal. The focus will be on your mortgage history...

How to cosign a mortgage?
William did a fantastic job explaining it.

Can having a high income make up for a low credit score when applying for a mortgage?
No. There is not anything that can "make up" for poor credit. Your income can be used as a compensating factor but it will boil down to your credit history.

Are seller concessions allowed on all types of loans?
I can not think of a single purchase product that does not allow some type of concessions

Which Loan?
Call the loan officer at PenFed and request this information. They should be delighted to put everything on paper for you. Most of us have a form that will allow you to compare loans side by side. Once you get your estimates in writing you will be able to compare and make an informed choice.

Is it common that a home seller pay the buyers points 3%
Yes. It is also common for sellers to pay nothing toward closing or even a higher amount. From your question, I can't tell if you are a buyer or seller. I would advise to talk to your realtor either way and to find a mortgage consultant you trust.

Does any one in North Carolina provide Mortgage loans with a credit score of 600?
I believe Bank of America will. However, keep in mind there are a lot of other factors for qualifying in addition to score.

Are Second home mortgages available for less than 20% down
Yes. Speak to a loan officer in your area and make sure your scenerio qualifies as a second home purchase.

Is there a lender who will refinance with middle score of 611?
William gave you a great explanation.

Am I able to find a lender with only a one year employment?
There is not a standard time on job requirement. It will vary lender to lender and program to program.They will also want to know about the year prior to current employment. We are mostly looking for a stable history.

my mid score is exactly 640. How much will my score go down when bank runs my credit?
I wonder how that you know your score os a 640? Did you pay a fee online and pull you own credit or did a bank or mortgage company do it? There can be a wide range of scores between the two. Also, keep in mind credit score is just one of the factors for mortgage approval. Talk to a local lender and let them guide you. ...

Refinancing an existing mortgage from overseas
Since you have two properties on the same loan it makes things a little more complicated. I would start by calling the bank that holds the loan now and getting your refinance options.

Is there no longer a way to remove FHA PMI from a 30-year FRM?
The change that will make PMI loan long will not happen until loans orginated in early June.

I have been quoted 3.875% for 30-year fixed.
It sounds like an Arm to me. I would have him send you everything in writing.

What do I need to do to get rid of my FHA MIP?
Call your mortgage holder and ask. They will have your loan specifics and are the best place to start

best bank to get home loan in va
Are you just moving to the area? If not, I would start with your local bank. Also, if you already have a RE agent they can give you direction.Talk to as many companies as you need to. When you find the lender that is the right fit you will know.If I can ever be of any help, I am here.Highest Regards,Jenny Baker

How long do you need to be employed for a mortgage?
This really depends on several factors. Your credit history and loan type will have to be considered. I suggest calling or sitting down with a local lender to review your options.