should i get a heloc for $45k remodel?
It depends on your mortgage and your current value of house. If your current home value does not support the amount you need for the home equity line, there could be an issue. I have a specific program that allows the remodel to occur and bases the loan on the future value of the house after the remodel.

What is the least number of days requirement for staying in escrow when buying a home?
I am not sure if I understand the question. Being in escrow is a concept in other states. In Illinois, the closing on the house is done in one day. All documents are signed at the table (loan documents, title transfer, etc) w/ both the buyer and the sellers.

Are all closing costs the same or will different lenders have lower fees etc.
It sounds high. It depends on if it is a refinance or purchase. Underwriting fees are $700 to 800, appraisal about $400, credit $28, title $600 (for refi), $85 recording. ... Title for purchase is much higher. If you want someone to review the fee you have feel free to email it to me mruffalo@mortgage-store.com...

About to Graduate Med School with 620 Credit Score- Should I Apply for a Interest-Only Mortgage as a First Time Home Buyer?
First of all, the answer for interest only or not interest only is always it depends on your goals / objectives. However, you are not likely to qualify for most interest only products if your FICO is a 620. With your FICO score, you have to look at that along with your down payment amount to see what type of...

90K income, can I afford a 349K home?
What type of down payment are you looking at?

I am no longer in bankruptcy. All obligations were met two months ago. Do I still need to wait 18 to 24 months to apply for a Helo
Couple of questions: What was bankruptcy - Ch 13 or 7? When were they discharged? If 13, are you complete with your payment plan or how long have you been paying?Are you looking for a loan to purchase a house?There are a bunch of options for you depending on the specifics of your situation. Feel free to...

Seems high mortgage rates might drop sooner than later
ARM loans still depend on current rates, but they follow shorter term rates since they typically adjust after 5/7/10 years. The steepness of the yield curve determines how much of a spread there is between an ARM and a fixed rate 30 year mortgage. Whether an ARM is good for your situation or bad is...