I've been offered a 4.3% 30 year with no points. Can any of you meet or exceed that? If not, please do not call me. Just use my email.
Hi Tom,Yes, i can beat that offer. What is your email address and I will send over an estimate.Thank you,Kelly

650 fico 250000 what to expect?
Hi Mandy,Based on your credit score, yes you would qualify for an FHA loan. The downpayment is 3.5%. I hope this helps. If you have any further questions just email me directly.Best,Kelly

I am in need of a conventional loan ASAP that allows a co-signer. My husband has been a 1099 for 2 years and I am a W-2 but we currently have a FHA loan and need to be approved for another loan.....no one is able to help? Any ideas?
Hi There,All loans allow for a co-signer. I would need more information. Are you buying a new home? Is the new home an investment property?Thank you,Kelly

Bank has offered without solicitation to modify my homeloan which is now variable and floating. They offered to modify at 5%. Would I be better off refinancing? Should this be doen via another institution?
My guess is they are just using the word "modify" because they know you like that word. I don't believe they are doing a modification. They are probably just refinancing you and using the overage on the rate to cover your costs. Yes, you are typically going to get a better deal by using...

588 FICO, which FHA??
You will be better off going with a rate that can never go up. No one knows what the rates will be in 5 years but most believe they will be higher. I would leave good enough alone and go with a low fixed rate in the 4's.[URL=http://www.fernbankmortgage.com]Georgia Mortgage[/URL]