When should I refinance?
Tyler,If your current rate is over 4.50% or you have an adjustable rate mortgage, you should get your refinance done NOW. Rates are only going to go up. Sav-More Financial can help you get the lowest rate available, we offer no point/no fee options and close our loans in 21 days or less. Please contact us...

If my home FMV is 186.00 with aprox. 43,000 to pay off and in divorce it was divided I get 65% and he gets 35 interest rate is at 7.9 should I try to buy him out
You should buy him out and refinance the debt into today's low fixed rates. Please contact me today for a current rate quote.Steve PattonSav-More Financial(855)701-7283

can you finance a home loan with a median score of 567
Yes you can obtain financing with a 567 or less credit score through FHA. If you are interested in getting pre-approved, please feel free to contact me directly.Steve Patton949.734.7307steve.patton@sav-more.com

Should we wait for summer to start looking for homes
Robert,Often times there is more inventory in the summer months, but at the same time prices have a tendency to follow suit with greater competition for the same homes. Sav-More Financial and our sister company HCM Real Estate can get you pre-qualified up front and help you find just the right home. ...

Would i be able to take out a jumbo loan for an investment property
Jumbo loans are certainly available for investment properties but have very specific credit and down payment requirements. I would be glad to help you with your Jumbo loan...please feel free to call at any time. Steve Patton (949)734-7307

What are the 2014 conventional loan limits in riverside county, CA
Joey, you can borrow up to $417,000 on a conventional loan is Riverside. There are many great programs available with down payments as low as 5% (and that can even be in the form of a gift). Please let me know if I can be of help to you in obtaining financing. Steve Patton, Sav-More Financial 855.701.7283

can you purchase a home if you have a foreclosure on your record that is 4 years old
Marci,There are several programs that would fit your scenario. I would be glad to walk you through each of them to see what is the best fit for you. Also, our team of in-house realtors would be glad to help find you the right property as well. Steve Patton HCM Real Estate/Sav-More Finanical. steve...

Underwater condo calhfa 6% interest 249k loan current value 165k, no hardship, need refi
Give me a call, I can help you determine whether it's an FHA loan or a loan that could qualify for the HARP program, they both allow you to refinance even if you're underwater as long as you and the loan meet certain guidelines. Both programs are currently in the low 4's, no cost.Ask for: Lenny...

No one will fund my condo, nonwarrantable?
We are set up with several lenders who specialize in non warrantable condo financing, regardless of the percentage of commercial space and if there's litigation with the HOA. AND the pricing is as good as if it were a warrantable condo! Feel free to call me to discuss in more detail. Thanks and I'm...

Is 4.35% high for a VA loan in CA? My credit scores are 640-650.
Good afternoon Henry,Yes, 4.35% is a little high in todays market. With your credit scores and depending on the loan amount, you should be able to refinance at approximately 3.50% with no points/fees. Please feel free to contact me if you would like to take advantage of this rate. All the best.Steve...