Will my wife satisfy the VA primary residence occupancy requirement under these circumstances?
William gave you excellent advice and especially about using a local mortgage lender.

Lender that will underwrite a loan w/credit score of 626?
A lot of lenders require at 640 middle score but there are lenders that go as low as 620 and some can use even lower score than that.Just contact your local lenders and ask them what is their credit score requirements.

Buy again with short sale and one 30 day late
You can look at doing a FHA loan but the loan will depend on how the short sale is reporting on your credit and also if you have any late payments.

is there a restriction on adding a spouse to the mortgage and qualifying for the Harp 2.0 program?
No restriction to adding spouse but you must follow Fannie Mae guidelines in which other people have already outline to you.

Where to find a lender who will allow me to self perform the work on a 203k loan?
If you are a licensed contractor, there might be chance you would be allowed to do the work but to know for sure, you need to ask the loan officer of the mortgage company that you will be using.

What's the best way to shop around for mortgage rates from lenders without damaging my credit?
It would be nice if you know what your credit score is and if not you can go sites like credit karma.com which is free to get your credit score.Just call lenders or use their on line pricing engine but make sure that they do not pull credit until you are ready to go with the lender of your choice but until you...

I have a condo, which is investment property, that is underwater. Will I qualify for a HARP loan?
Yes if it is a Fannie Mae or Freddie Mac loan and you meet all the guidelines of the lender and investor.

Looking for jumbo 80/10/10, purchase price @ $740,000. Bucks County, Pa. 18940
I do not know of anybody that will do a jumbo 80/10/10 loan but you should be able to find a 90% loan but that will depend on your credit,reserves and etc.

looking to get a USDA or FHA loan with a bankruptcy
You will have to wait at least 2 years from your discharge and you should be working on establishing some good retail and installment credit to offset your bankruptcy.

what is address to send mortgage payments for bac home loan servicing lp
It will be on your mortgage statement that you should of received from them or you can also call their customer service and they can give to you their mailing address for your payment.

after i buy my home i soon can i take OUT A MORTAGE
Need more information before I can give you a good answer. Did you pay cash, how is your credit, what type of mortgage are you wanting and etc.You need to provide more specific information before you can get a good answer.

getting a home loan before the three years after a chapt.7 bankrupcty discharge with home included?
You are looking at 3 years to get am

VA approved lenders
Also make sure that you feel comfortable with your loan officer and feel that that person has a good knowledge of the va program and guidelines.

i have a baloon payment comming up no credit need help please
Melvin gave you good advise to contract your current lender to see if they will restructure your loan and also ask if they will redo on a fixed rate loan.

I went BK 7 a year ago on a house.
You will have to wait at least 3 years from the foreclosure.

Does your current home count against your income to debt ratio if you already have a purchase agreement?
Like Barb said, you should be talking to a loan officer not a realtor about mortgage advice.It depends on what type loan you get but you should be ok with 2 mortgages as long as your debt ratio is in line with both payments.

Can I get a home equity loan in nj if I own my house outright?
Yes, as long as you qualify under the guidelines for the new loan.

can you get a mortgage with only one year of work history?
You should be fine showing your schooling and work history.

Here's the whole story
If you are getting a USDA loan, the lender will look at all incomes to make sure as a family or all people who will be living in the house that you do not make too much money to qualify for a RD loan even though your wife will be the only applicant for the loan.

3-year foreclosure waiting period and no schedule sheriff's sale!
I also agree with Tim in what he told you and how you should proceed.