HOW DO I REFINANCE
Hello, We are a nationwide direct lender but my branch is in NH. Please check out my website www.mortgagesbypamela.com My team is fantastic helping guide you through the process and make it easy. We have a ton or products to help you get what is right for you. You can also call myself Pamela or my assistant...

Am I considered part owner of the property if I am listed on the deed but not on the loan?
Hi Sariah,Yes you are an owner once on the deed. You just don't have the loan payment commitment.Feel free to contact me at my office if you have further questions. Thank you Pamela 603.893.4100

how long does it take to improve a credit score by 80-100 points?
Don't go to a credit restoration company, some make it worse. You have state companies for free that will help but sometimes when we pull a credit analyzer it will show you exactly what to do in order to gain points right away. Email me with any questions. Pamela - priesenberg@financeofamerica.com

How long do I need to show rental income to include it on a new loan?
Hi, You can use it if you have had rental income from before for 12 months, is this a new residence or just a new rental?Thanks,Branch manger at Finance of America mortgage603-893-4100www.mortgagesbypamela.com

Can I get a mortgage loan with overseas incom
Hi Danny,You can. We can even retrieve the income verification for you. Contact me if you would like.www.mortgagesbypamela.com Thank you,Pamela

will a conventional loan require documents on past home rent paid cancelled checks
You will not need rent checks on Conventional especially with us as we have a plus program that asks for less documentation. Thanks, www.mortgagesbypamela.com

Looking to buy a condo and have been told that i need to put 25% down?
I am assuming that this is an investment property? If not then you will not need 25% Florida has a rule about condo's and wants more down than usual because of the market years ago. Feel free to reach out to me. ~Pamelawww.mortgagesbypamela.com

I have a 608 credit score, Can I cosign a mortgage loan?
not true about just fha, you can go Conventional we have a 3% down product with that score. let me know www.mortgagesbypamela.com

Refinance a cash purchase
HI, If you try to pull cash out of your home right away some lenders make you wait 6 months to have deed seasoning. For your particular situation you could call me at 603-893-4100 or visit my website at www.mortgagesbypamela.com Thank you,Pamela

Do i have to disclose a home i own free and clear on loan application?
Yes but you only have to use taxes and insurance in your debt to income ratio so it may not be too bad. Pamela 603.893.4100

my husband died, my name is not on the mortgage loan, but is on the deed, what can I do now
Hi Iris,I am licensed in Fla. You have a few options so if you would like to discuss them feel free to give me a call. I am sorry for your loss.Take care,Pamela 603.893.4100 www.mortgagesbypamela.com

I am 71 year old. 750 Credit Score and 1st Time Home Buyer - Should I go for a shorter loan term?
no, I have a reason but too much to write why, if you want to call me I can explain.603.893.4100 or priesenberg@financeofamerica.comThank you! www.mortgagesbypamela.com