Are there any no doc loans or stated income loans available?
There are a few limited ones out there. I obviously don't know your exact situation, but I have quite a bit of luck getting my clients that have been told that they need stated income loans into full documentation loans by virtue of assets, etc. As a result the terms of the loan are much more favorable than...

Mortgage for two-family home which buyer wants to occupy as a single family home
Unless he home were legally converted prior to you purchasing it, you are correct that you would have to buy it under 2 family home guidelines which usually do require a slightly larger down payment. I'm happy to help with the financing or just give you advice. If you need more information, or a competing...

Being self employed affect mortgage application?
As the other responders have indicated, your rates are not affected by self-employment on it's own. The biggest issue that I see is that Loan Officers don't know the ins and outs of which deductions do count against you and which don't. I find myself able to qualify self employed...

Do you have to be underwater/upside down to qualify for HARP?
You need to look at 3 options:1) HARP refinance2) Regular conventional refinance3) FHA refinanceThe option that will be best for you in terms of interest rate and long term savings will depend on several factors not addressed here, most notably: exact credit score, exact ratio of income to total...

Type your mortgage or real estate question here
That's an unusual problem. They generally want your money! I would go online and arrange it that way. What company holds your mortgage?

Refinancing my home in the bay area (California)
Many questions need to be answered in order to provide you with specific options. (as indicated by most responders) As a national bank with the ability to utilize other banks programs as a broker when appropriate, we can offer the best of both worlds. Based on the information provided I may have a few...

Equity Loan, Refinance, 2nd Mortgage... What should I try?
As mentioned by William, the equity in the house is the key. As a nationwide bank with the ability to broker if it behooves your situation, we can generally provide a wider range of options than most banks or brokers. Feel free to inquire if you wish!

What is credit score needed to qualify for a FHA?
You can qualify for an FHA loan with your credit score. Not every bank will entertain scores lower than 640, but we will! Your approval will depend on the details of your credit situation, not only the score. I am happy to discuss your situation with you if you are interested. Contact information should be...

How long does it take the mortgage company to find out if your taxes are filed by irs. We filed and gave all docmnetation including the check statement showing the irs had cash our check.
You should not have to show that 2013 are filed except under certain circumstances with commission or self employed income. If you do, there are ways of dealing with it without waiting for the return information to be available to the lender through the IRS. (which can take months sometimes) Please...

Should I refinance if I'm thinking about moving soon?
Hi William?My suggestion would be to do a no closing cost loan. (meaning that I as the lender would credit all your closing costs back to you) If a loan structured like this lowers your payments then you don't lose anything even if you sell the house in just a few months. If you pay closing costs, you...

FHA mortgage on rental property
I have a little bit different take on it than the first answer:You can refinance this home with an FHA streamline as an investment property. FHA allows a streamline on a property that was purchased as a primary residence and is now (or will be) an investment property. Under certain (very limited)...

Can recent unemployment affect me getting a mortgage?
This situation will not disqualify you, no. Make sure that you speak with and finance through a very experienced lender with access to an underwriter directly as this type of situation often becomes a judgment call for an underwriter. Therefore, it is imperative that you have a representative that...

Middle FICO score of 661, can I qualify for a home loan?
Hi Connor,I would concur with the answer below as far as the qualification. However, I would not be so quick to dismiss a direct lender. My suggestion would be to speak to various types of mortgage providers. 1) Mortgage Broker2) Large Retail Lender (Wells, Suntrust, etc)3) Small bank or correspondent...

Investment property vs. 2nd home purchase
I can do this loan at 2nd home rates if she is in college and living at school. Is this the case, or no? Please make sure that you speak with an experienced lender who will lay out various options and intelligently discuss the pros and cons of each with you. Your pre-approval should reflect in writing that...

do you work with first time home buyer programs
It's my specialty! I am determined to educate my clients along the way! Lowest rates. Best Service. 20 years experience in the industry. I am always happy to assist so if you need more information, a pre-qualification, or a competing rate quote you can go to my web page and use my live support button to...

Possible divorce situation
Agree with the first answers in that you need to go into more details with a qualified, professional representative. I as well would be happy to discuss this with via either email or phone. There are specific guidelines relating to pending divorce buyouts which allow more leeway for qualifying. My...

Since the federal government does not recognize same sex marriages, may I take a full/partial DC First Time Homebuyer credit?
Depends on the details of how you purchased, financed, and titled the house. Also may depend on how you file your taxes. I agree with the below poster in that you MUST consult a CPA to determine.

How to buy a house after bankruptcy?
Do not stop making payments on your current house, That will eliminate you from consideration for new financing. In your situation you may qualify right now. It will depend on the details of how the mortgage reported and the current and past status of your payments. Once I have an idea of the whole...

How do I get off the mortage I share with my ex-wife?
Hello, I have an option on conventional loans to do a non-occupant co-borrower option to help your wife refinance you off if she is willing. (terms of this loan would be MUCH better than the FHA option) In addition, if you are buying a new home, we would be able to exclude the BOA payment from your...

fha loan minimum
Unlike many lenders, we have no minimum. I'm happy to help with the financing or just give you advice. If you need more information, or a competing rate quote call, email or use my live support button to discuss or get in touch with me. Web Address for live chat or quote is: http://www.loansfromrob...