i have a mortgage and HELOC with the same CU. is it possible to refinance just the mortgage
If there is a good reason not to combine the two loans into one, there are a couple other options. If you have at least 10% equity in the property ( Value - 1st mortg - HELOC) it may be possible to replace the existing HELOC either through the same CU or another lender. Or, you could consider paying it off,...

Can we get an FHA loan immediately?
The other answers are both currect, you will not be able to refinance through any other lender or under any loan program that current is available - your best option will be through the current lender. For a new mortgage you will have to qualify with the payment on your current home based on the fully...

Refinancing without PMI
Depending on the length of time you've been paying the PMI and your original loan scenario, you should be able to get it removed from your current loan by providing a copy of the appraisal. If it was a FHA loan the rules are different and it cannot be removed. Because you are likely to sell within 2...

PCS
Kenneth, if you have the house rented you may be able to qualify for another VA loan and include the rental income. I was able to do that for another customer who relocated to Charleston from San Diego. It will depend on the total strength of your application and whether you have any VA entitlement still...

What do I need for a mortgage.
Jennifer, as you can see from all the positive and encouraging responses you are probably all set to go. You will need a credit score and if your one credit card is still active you probably have both a high enough score and enough of a credit history to qualify. It is possible that your rental payment...

Middle credit FICO score of 709, can I get a good rate for a refinance?
The quick answer is that you should definitely get a good rate but there are a lot of questions to answer to figure out the best scenario for you, and whether refinancing makes sense. Sometimes a slightly higher rate with minimal or no costs added to the loan is a better option than the best rate available. ...

Refinance
Hi Nanci, Yes, virtually any loan can be refinanced including commercial loans. Keep in mind that the guidelines, rates and loan structures for commercial loans are very different than residential options. You're unlikely to find a 30 year fixed rate at 4 or 4.25% for a commercial loan and baloon...

Is GuardianNationalBank a real lender?
I wouldn't be concerned about whether they are a "real" bank with "brick and mortar" as lbennett said earlier. New licensing and regulatory monitoring of mortgage lenders has pretty much cleared out the problems (and many others too). If you are looking to refinance you...

To refinance or not? Is there a better deal or this a good one?
I agree with most of what the others are saying, refinancing through Wells will probably take a very long time and many people are not having good experiences with them. The only way to refinance will be if the lender that has your line of credit agrees to suborinate it to the new mortgage - and some are...

Anyway to get a loan with a 570 credit score?
Confirming what others have said above, it is technically possible to get a FHA loan with a 570 score but only with 10% downpayment from your own funds. Depending on the reasons for your low score the few lenders that might approve an application with that score might or might not actually approve you. Be...

home owner vs mobile home and land
Any property with a mobile home (sometimes called "manufactured" homes) are more difficult and more expensive to finance. Most Realtors and appraisers would likely confirm that the potential for appreciation in value is more limited for these properties - primarily because they are...

Is Mortgage Investors Corporation a VA lender
I would bet they contacted you instead of the other way around. Definitely worth checking with other lenders, especially those that you call directly or who people you know and trust refer you to. We are licensed in all 50 states but 99% of my business is in my area. I just closed a VA lon yesterday and would...

refi a rental possibly underwater and non compliant with zoneing
Pretty much echoing what others have said. You can probably lock into a fixed rate if you have a loan financed by Fannie or Freddie (look up addresses provided by Todd in the first answer above). Keep in mind that changing to a fixed rate will probably mean a higher rate than you currently pay and increase...

home equity loan after BK on home I own outright except for past due prop tax (totaling $4000)
If you have poor credit (below 580-600), your only option may be going through a finance company. As recommended by others, get the loan before you file the bankruptcy or you will have virtually no options.

Can I refinance a underwater Freddie Mac Loan with LPMI under HARP 2.0
As you are seeing with others here, you probably have options. It is surprising that BOA won't do it if they currently have the mortgage - but maybe not THAT surprising. They've really cut back on what they will do. Give one of us a chance to see what we can do for you if all the pieces fall into place.

harp 2.0 can a co-borrower be removed in a harp 2 refi, not an ex spouse, just an ex boyfriend?
It's possible, as always it depends on the details of your qualifications for the new loan.

I am looking for Harp 2.0 lender in Georgia. I have been denied due to high LTV.
I personally can't help with that scenario but others will be able to. You may want to talk to you current lender, others may be able to help but because of the LTV, the current lender is most likely to have options for you. Then compare their offer with others you receive - but make sure it the...

need asistance
Yes, I can get mortgage applications approved for a FHA loan with scores in that range. I'll be happy to talk to you about all the criteria for approvals, not just credit score, and there is no obligation on your part. I work with many customers who, like you, have needed or still need to improve their...

i am trying to refinance my home and i have poor credit
I've seen that kind of score before but as others have said you essentially can't get any kind of traditional mortgage without significant improvement. FHA is the most flexible and has a mandatory 540 minimum credit but it would be almost impossible to find a lender who would approve you...

203k - can I supplement with my own cash?
Michae_ : If you already have a lender, ask them for input. If you make significant changes, such as removing a structural wall, that could well change the loan approval and create problems. Why not do a "full" 203k instead where you don't have those limitations? you can reach me at...