home loan after foreclosure but good credit
Yes, you only have to have 3 years from foreclosure to qualify. 670 score is good and still should make you eligible. What State are you in?

What interest rate can i get with the VA loan and how much money do i have to make to get the loan?
Calvin, Your interest rate is derived by many different variables such as credit score, loan to value, etc. You don't necessarily have to have been on your current job for a long time, just a good stable work history. Also, there is no set income figure that you have to make in order to be approved. It...

Should I refinance if I'm thinking about moving soon?
William, I would suggest that we run a couple of scenarios to see which best suits your needs. The no closing cost option as the lender before me suggested, and a normal refinance option which would actually be a better rate scenario. Even under that scenario, if we time it right, you would be able to skip...

Low FICO mid score
Most lenders require a 640, some a 620. I can go down to 600, but there are debt-to-income ratio requirements you must meet. I would suggest you complete a loan application on my website, www.soonerlending.com and let me take a look at the "Big Picture" and make sure you will qualify. Let me know...

credit score ?
I can do loans down to a 600 score and I am in Oklahoma. If you would like shoot me your contact information and I will call to discuss this further. My email is closewithcooley@gmail.com or you can call me direct @ 405-831-4457.

origination fees
Hello, My name is Steve Cooley and I am with The Cooley Mortgage Team with Prime Lending in Oklahoma City. Our origination fee is a flat $995. Origination fees are only part of the "closing costs" associated with obtaining a mortgage loan. Closing costs will vary based upon the loan amount you...

will mortgage rates likely be higher next year?
Tara, All indications are rates are likely headed higher in the months to come. As our economy continues to slowly improve, rates will follow in terms of a gradual increase. The FED's have indicated they will not make any drastic increases and promise to only increase them slowly over time. Hope this...

am I required to get an fha loan if my down payment is less than 20%
No, you are not required to go FHA if your down payment is less than 20%. However, you might be better off going FHA if your score is in the mid to low 600's. I would be happy to take a look at it for you if you would like. My office is in North OKC and I live in Edmond.

Up to how much can I borrow on a conventional loan? Are there benefits to getting a jumbo rather than maxing out conven?
Maximum Conventional loan amount is $510,400. Anything over that is considered a Jumbo loan. Jumbo loans require a 10% down payment but the underwriting is typically about the same.

Is it worth to refi without points? Or is that the only way to make it worht the trouble?
Everyone's situation is unique and different. It depends on the monthly savings versus how long you plan on staying in the home. I'd be happy to take a look at your situation in helping you determine if its worth it or not. Let me know. 405-831-4457

I need help figuring out how much I qualify for. First time buyer
If you will go to my website and complete a loan application I can tell you what you will qualify for and what an estimated payment might look like. www.closewithcooley.com