Best way to repair credit for mortgage
Hi Greg, Being in the mortgage business for over 12 years now and been helping hundreds of people repair credit over that time span, I would call Wayne at Us Legal Credit Repair (954) 689-7990 Davie, FL 33314 I have been using him for years, he is very affordable and tell him I sent you, as well...Feel free to...

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Bert's, answer is correct. Feel free to contact me anytime, as lenders change guidlines and programs daily, weekly and monthly. We have serveral lenders to contact with your scenario, at a click of a button. When you only want the absolute Best...Ralph Richard GuertinSenior Licensed Mortgage...

Question about purchasing a foreclosure
Call me if you still have questions...When you only want the absolute Best...Ralph Richard GuertinSenior Licensed Mortgage SpecialistPhone: 954-274-7725Fax: 954-337-2743Ralph@absolutelowrates.comNMLS # 371701 Always finding ways to say YES!My Commitment To You: While most Mortgage Brokers...

Unemployed,current on mortgage. we want to re-fi.
According to the New Harp 2 guidelines, if your new payment is the same or less than what you are paying now then you don't not have to re-qualify, but you need a Job. Also you couldn't have more than 1 late in last 12 months and NONE in last 6 months.

Would we qualify for a new construction loan?
Looks like you could qualify, but there is not enough of the puzzle to see the full picture and advise accordingly. As how much is the land worth and is it free and clear. Upfront looks like you would possibly have to come up with more of a down payment, unless the land puts you at an acceptable LTV approx 80%...

Can I refinance after Bankruptcy?
Hi, not going to be easy but possible, you will need to find a mortgage broker that can go down to a 540 credit score, and do loans in KY. Good luck

is 620 fico the lowest possible for a good rate?
Hi, there are great rates out there with scores even below 600, there are LLPA (loan level Pricing adjustments) but even if you were maxed out on these adjustments you could still qualify for a rate in low 4's...maybe not in the 3's on 30 year fixed...Also not really enough information to access...

No Cost Refinance.
Hi Bill, not a Ohio lender but a good place to start is comparing APR's that includes costs....broker to broker and banker to banker

what is interest rate on va loan
Hi, VA rates are VERY low, 30 yr fixed running in the 3's at the moment....

VA qualify if I enlist?
Hi Steve, Loans are open to active and former members of the armed forces who meet specific criteria for length and time of service, as well as discharge conditions. Reservists and National Guard members could be eligible if they served at least six years and received an honorable discharge. Veterans...

Why are vaiable rates lower than fixed rates in general?
Hi Jody, with rates at historic lows, I would advise to go with a fixed rate, as others have commented no one knows what the futures holds, maybe you don't move, and maybe you can't get the price you were hoping for and would rather rent till the pricing comes back your way. Variable rates are...

How can I get the seller to pay for some of the costs?
Put it in your offer, some loan programs allow up to 3% seller credits.....

Is credit score of 719 as good as 720?
Hi Sloane, the answer in serveral cases is no, as lenders have LLPA's loan level pricing adjustments and they usually run like 740+, 739-720, 719-700, 699-680 and so on. So rates are adjusted very slightly for each tier. Also if you had to put PMI on your loan due to an LTV over 80% 720 allows a max of...

Porting a mortgage over
You would take your existing amount, rate, and tie-in period over to the new property with you. Any additional borrowing will be at a new rate as determined by the lender at the time.Hope that helps.

I am wanting to add an addition to my house and then refinance so everything is on one bill.
YES THE FHA REHAB LOAN 203K IS YOUR BEST BET, AND WOU SHOULD BE ABLE TO LOWER YOUR RATE BY OVER 2%..BEST OF LUCK

I heard if NFC wins in super bowl it is better for mortgage rates and economy.
Hope your right

Information on a Reverse Mortage
We happen to be extremely well versed in the Reverse Mortgage process...look at http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/hecm/rmtopten which is the FAQ's section. If you still need some help email me anytime...

Before HARP2.0, what is the highest LTV I can get a Refinance for?
Hi Sharon, 125% LTV was the highest, under HARP 2 there isn't a CAP, as far as late payments with the HARP 2 you have to be clean for 6 months and only 1 30 day late in last 12 months. HARP 2 will be rolling out in the next 30-45 days please hold out on being late as you will lose youe eligibility....

Can we get into a Home Loan with credit score of 612?
FInd a broker that offers FHA financing...and yes there are LLPA's or loan level pricing adjustments, but at the end of the day you will have a fixed rate under 5% which is still GREAT!!! Wwhen I started in this business people were overjoyed to get a rate of 7% with perfect credit....

Does the new program coming in March will help with loans that owned by private investor ? ( thien160@gmail.com) thanks !!!
Your loan has to be owned by fannie or freddie and you can go online to check, it could be...worth a shot