Should I Refi Or Not?
GFE's can be confusing for consumers to read and can still be a little misleading. The bottom line with any refinance is does this make sense? Am I getthing a lower payment? Am I reducing my term? What am I really getting and how long to recover my costs associated with the refinance? Refinancing...

I want to take out a refinance against my home, is cash out refinancing still available?
Look carefully at all options. Do not be sold on anyone that just advertises rates. If you live by rates, you will die by rate becasue someone will always figure out how to illustrate a better game. Make sure and look at the entire picture and costs before making any decisions.

Do you have FHA loan? mid score 600 puchase home Thank you
yes, down to 580

Home Purchase in Colorado Springs, what are some possible rates?
No problem. Do you have an email address that I can send a worksheet to and a GFE?30, 25,20, 15 or 10 YEAR FIXED?

If debt ratio is high and no equity in home, but credit score and employment is good, is refinancing impossible?
Not impossible, but no guarantee. The HARP programs are a little flexible in the DTI and VALUE providing other items are good. I am a CO mortgage broker www.RobKoellner.com. Please feel free to call me or email Rob_Koellner@ExcelFG.com and we can talk about the program and see if it is worth pursuing...

Is 1 point reasonable to pay for a 4.25% rate? It seems to be excessive.
Excessive, but depending on the program.

I've been out of the army for 6 years can I still get a VA loan for a house?
Yes. Other factors of course in applying for a loan.

VA 15 year refinance
Please give me a call. I am a Broker here in Colorado.970-412-8369Rob Koellner

What is the best 15-year fixed rate in the Aspen area today ? Aug 2?
What loan amount?

Need Jumbo loan for investment property $735,000, 20% down and good credit score (740)
What type of property is this?

How many bank statements do i need to show for a loan?
Contact me at 970-412-8369. I live south of Wellington three miles and I will meet with you and go over all items needed. Also, I am a lender and I can give you a worksheet and and LE so you can go shop me against everyone for the best deal.Rob KoellnerExcel Financial Group

Co-signer for Stated Income
Do you have your tax returns filed? Contact me directly at:Rob Koellneremail: rob_koellner@excelfg.com