Can you tell me how long you have to own a house before you can refianance it in NYS?
Well, there are few considerations here. One is simple title seasoning... how long have you owned the home before you can refinance to lower the rate. The answer is immediately. The only potential holdup would occur if NYS delays the recording of the mortgage from when you purchased. Some counties are awful...

Wife has poor credit, should I not include her on mortgage?
Her credit would definitely keep you from qualifying at the lowest rate. Unfortunately, you would lose her income which would lower the amount you can qualify for. You should get qualified based on your credit and income alone to see what price range you should stay within. There are things you can also...

What can I do to get the best mortgage for a rental?
The short answers are A) Possibly, it depends upon your current FICO scoreB) No - your future tenant will have no bearing on your ability to qualify unless you were to make them a co-signor and why would you do that, right?C) No - but you can use that equity to get a cash out refinance to get the cash for a...

Stated investor Florida mortgage
It's true that stated loans don't really exist anymore (except in NY). There is a way this can work however. Call me at 727-215-7522 and I will fill you in on the details.

Can you get approved for a mortgage having just gotten off of unemployment?
The simple answer is yes. Believe it or not, the fact that you were collecting unemployment actually helps you as compared to someone that was just unemployed. Provided that you maintained a decent credit rating throughout your unemployment and that the new mortgage payment plus your monthly debt...

Refinance 110% or Refinance with HELOC?
Keith, home equity loans are not easy to come by these days. I certainly don't know of any lender going anywhere near 100% combined loan to value. And William's suggestion of applying for a cash out loan after the rehab is a long shot too... cash out limitations being what they are, you'll be...