Hello, Here is my situation, I got divorced about a year ago and I need to refi my house.
contact me Nikitas Kouimanis Mortgage BankerTrump Financial550 Old Country Road Hicksville NY 11801Office: 516-942-8700Cell:646-957-3346 Fax:866-379-0685 Email:nkouimanis@trumpfinancial.comWeb:www.trumpfinancial.com

Hi - I noticed in the contract that there is something about job verification after closing. This closing company sells all its mortgages. So, if the closing is in the middle of February,and the first payment is due in April, do I risk losing the refi if
they do a voe after the closing so this way in a situation like your where the bank is selling off the loan before the new lender that they were corresponding the loan with wants to make sure you are still working

Hello everyone... My wife and I have stellar credit, excellent salary and income history, and are looking to refi our 5/1 arm that's at 6%.
contact me Nikitas Kouimanis Mortgage BankerTrump Financial550 Old Country Road Hicksville NY 11801Office: 516-942-8700Cell:646-957-3346 Fax:866-379-0685 Email:nkouimanis@trumpfinancial.comWeb:www.trumpfinancial.com

Can I buy a house with these scores: 590, 594 and 602.
First how much are you looking to put as a down payment and also with those scores not an issue can go down to 560

Am I able to sell our home or do I need my husbands permission?
it depends if he is on title or not or on the the loan with you

Can I Get an FHA Loan With a Credit Score of 600?
Yes you can we go down below that we go down to a 550 credit score, FHA does not technically have a fico score restriction lenders just put one on for precaution to protect the bank and public the line has to be drawn somewhere.

Investment property vs. 2nd home purchase
investment property is 20% down payment opposed to second homes which are 10$% down payment requirement the adjustment to the pricing on the investment property is 1.75% which will affect your rate your better off buying a second home if you can and it works.

How to buy a house after bankruptcy?
no do not stop paying.

fha loan minimum
Local savings banks will probably do 30,000 while most private mortgage bankers will do more like 50,000.

How soon can I refinance after getting a loan modification?
If you went into the loan modification but never went late, which believe it or not I have seen cases where this has happened where a client has done a loan mod without having to go late and just went into it do to a straight hardship and that's it in that rare case you can refinance right away. If you have gone...

Can we get an 80-10-10 loan still?
call me at 516 469 6262 NMLS 9659

Loan Assumption vs Refinance?
Do you have time to talk on the phone? I will be be able to advise you what to tell your current lender on how to go about this.

Can a lender change my rate the day before closing?
Yes it can change if A and only if they do a change of circumstance if your (APR)meaning your annual percentage rate increased by an .125 of a percentage and they would have to do a change of circumstance in that case. But that would mean that you were not locked into to a rate and from what I am gathering it...

can i refinance my house if i didn't sign a reaffirmation agreement?
Like everyone stated above this is a very tough one. Please contact several lenders and feel them out to see what you get you may just get lucky.

how do i refinance an underwater loan not owned by fannie mae or freddie mac
It depends what type of loan you're in now. But if you are in a conventional loan you may have a shot to do an FHA short refinance if your current lender is participating in the program and you are underwater within the required amount. You can always give me a call or email me at 516 469 6262 or nikitas@nyfha...

im just cominn out of bankruptcy what options do i have to refinance my mortgage
What type of bankruptcy are you coming out of, that is important to know before I can answer your question? Also you can always call me or email me at the following nikitas@nyfha.net or 516-469-6262. Thank you.

how can i determine if my mortgage was bought for less than face value?
What are you doing that you need to determine that? Can you please be a little more specific, short sale your home went into foreclosure etc? You can always contact me by email or phone at nikitas@nyfha.net or 516 469 6262. I would really just ask your existing lender though they should tell you.

Trying to reach a human but not getting anywhere. Help
Call me 516 469 6262.

I need a lender who can do a Manual Refinance in Georgia.
So your saying you need someone to do a manual underwrite on your loan? Is that what they advised you of? You can email me at nkouimanis@reliantbankmortgage.com or call me at 516 469 6262 and I will try and point you in the right direction or help you in possible but, I just don't see how this can really get...

We are on government PCS orders overseas for five years and renting out our home in San Diego. We're at ~73% LTV on the home but haven't found a way to refinance and take advantage of the low interest rates since we're overseas. We will be moving back into our home when we move back in 2.5 years. Any advice?
You can contact me at nkouimanis@reliantbankmortgage.com I am going to need more information than what you are providing. Nikitas Kouimanis NMLS # 9659 Phone 516 469 6262