Harp 2.0 with PMI to remove co-borrower
Beth, in answer to your questions; 1) yes you are able to remove an ex from the mortgage, however depending on whether yourloan is owned by FNMA or Freddie Mac there are different requirements in ordere to be able to do it. 2) Having PMI willnot preclude you from refinancing with another lender. Do you...

harp 2.0 can a co-borrower be removed in a harp 2 refi, not an ex spouse, just an ex boyfriend?
Beth, whether it's a spouse, boyfriend, or relative, they are considerd a co-borrower for those purposes. There are specificguidelines whether your loan is a FNMA or Freddie Mac in order to remove them. Do you know which your mortgage is?Ray

30 years or 20 years
There's several factors to consider 1) How many years are you into your current mortgage? 2) How long do you intend to hold on to the property? 3) Your stability of income. If your income is stable and you have enough disposable income, then it would make sense.What is the LTV on the property? If your...

New Refinance Program for conventional loans
As far as I am aware, there really isn't a program for them.

Pmi problem
you need your HUD-1 to determine whether LPMI or PMI. Do you have it?

one loan to buy home and pay off other bills
Only on a refinance can you get cash back in order to pay off your bills.

Can I refinance my house with a 633 credit score?
Yes you can. We can go with credit scores under 600, depending on when you took out your mortgage. Whendid take your mortgage out?

How to get enough mortgage loan money to do improvments when buying??
There are 2 programs available. FHA has a 203 K renovation program and FNMA has a renovation program. Do you know the dollar amount of the improvements you are looking to do?

Buying a new home 30 days after refiancing current primary residence
How much equity do you have in your home?

I am looking to buy a home
Adam, If your credit score is accurate at present, the only impact it would have at that point in time would be the interest rate thatyou would be receiving. You would be able to qualify for financing with that credit score right here and now. The other consideration wouldbe if there were any late pays,...

Risks of LPMI and should I wait for Harp3?
I don't know what your loan amount is, along with what the closing costs are, so I can't calculate your monthly savings and time to recoupthe closing costs which will be added to your mortgage. If I'm reading this correctly, are you at a 90 LTV with a weak appraisal? If so, then how long...

Interest rates up front? Any way to fix that?
Interest on mortgages is paid in arrears, so you will have interest from the day of closing through the end of the month. In your case,if you close on the seventh of this month, you will pay interest through the 31st of August, but your first payment won't bedue until October 1st.

Can I re-fi and investment property under HARP?
Yes, you can but I would need additional information about the property and yourself. Ray hazucka

I own my home, i owe nothing on it, but it needs major work
More information is needed to give you a satisfactory answer. 1) What is major work. Is it updating?2) What is the value of it as it is? 3) How much work does it need. 4)Will the repairs increase value?Ray Hazucka

Who can refinance me if I have LPMI?
is it one time LPMI or lender paid monthly? Who is the PMI company? Ray Hazucka

Whens the best time of year to acquire a mortgage loan?
No there are not. Mortgage rates are strictly driven by wall street and it's perception of how the economy is.

Loan Officer lied to me about how much due at closing, do I do anything?
you have a three day right of recission, so depending on the day of closing you would have three business days to cancel the refinanceif you weren"t satisfied. The lender would have to refund any monies that you gave them. Ray Hazucka

Mortgage question
I would be able to "qualify" either your husband or the both of you together, depending on credit. However,I would need more information on what your monthly consumer debt payments are to pre-qualify you. Living in the home and the fact that it was your parents isn't an issue.I would...

Trying to Refi with HARP, but LPMI is causing an issue...Any help is appreciated
Can you tell me who owns your loan? FNMA or Freddie Mac? Is your LPMI one time or monthly? I need a few more details,but we should be able to take care of that for you, as I have done a handful of loans for BofA customers who can't refinancewith them.

is there any lender that will give me a refi/debt consol with a $2600 charged off credit card?
sure. would you know what your credit score is? I would need a little bit more info, but I don't see why.