How to buy a house after bankruptcy?
After you experience bankruptcy, it might seem like you will never be able to qualify for a home purchase again. You may have low credit scores, a drained bank account and a low self-esteem. However, even though you may have challenges, buying a home after bankruptcy is still possible.Lenders don't...

fha loan minimum
"Your best source of information on this topic could likely be found at HUD official website www.hud.gov or www.fha.gov. Even if fha will insure a low loan amount doesn't mean that a bank or mortgage company will do the same as low loan amounts are very costly to a lender."CA-DBO: License/Registration #:...

Want to buy a house for $600,000 in California, dual income $80k / year. What are my options?
Located in Huntington Beach, Ca. Dear sir, Unity West Lending has a history of assisting homeowners just like you secure a mortgage home loan for themselves. Please give us a call to go over your options. We would love to get to know you and you us, then discuss what options you have, there are several...

Can I refinance with a foreclosure 3-4 years ago?
Just two reasons why I am confident we are the right Lender for you! We are unique in that we have multiple banks, investors, and lenders that we shop your particular scenario with to offer you the lowest rate and closing cost options, and no cost loans as well. We pick up the lowest rate and program...

Looking for a refinance with a bankruptcy.
FNMA and Freddie Mac require 4 years for a Chapter 7 Bankruptcy after Discharge or dismissal date and 2 years for a Chapter 13.FHA is 2 years after discharge date for a Ch.7 and 1 year of payout and permission from the court. VA Loans are the same as FHA for both Chapters 7 & 13. Jumbo Loans have specific...

I qualified for a USDA loan but I am also a veteran. Should I apply for a VA loan too?
Unity West Lending has a 5 year rate protection program which enables you to take advantage of a lower rate if they should come down after you close a loan with us, for no cost not even an appraisal. Many of our clients have already taken advantage of this great program up to 3-4 times within the last 4 years....

House underwater, what are my options for refinancing?
Just two reasons why I am confident we are the right Lender for you! We are unique in that we have multiple banks, investors, and lenders that we shop your particular scenario with to offer you the lowest rate and closing cost options, and no cost loans as well. We pick up the lowest rate and program...

I have been offered a 3.75% rate for 30 year fixed.
You should lock if it is free, no cost, no fees. Indeed, rates are slowly rising. However, they are still good enough to lock. Check this out. We have a 5 year rate protection program which enables you to take advantage of a lower rate if they should come down after you close a loan with us, for no cost not even an...

Selling my fha home, ok o want allll the money i get for a new home. Do i have to pay fha off first?
Yes, it is in your best interest to pay your mortgage off first. You are valuable also, choose this option for your best interest.

Can down payment be a gift from family for FHA?
Hello Hector, The down payment can definitely be a gift from a family member. You will need to provide proof that the family member has the necessary Gift Funds in a bank statement from the offering member. We are a local lender and would be honored if you called us for assistance. 714-881-5970

Irvine homes are all being bought by investors. That is what I am being told
"hand written letter" to the seller! I will confirm this thought as well. I have witnessed this letter to the seller work multiple times in the past. You know sometimes the sellers are just really attached to the home and really don't care about anything else but making sure good...

4 plex free and clear,
Not enough information. Give us a call. 714-881-5970

in september 2013will the 184 lan prgram be suspende
@San Jose, Ca Here is a link for the website to the HUD California site. http://portal.hud.gov/hudportal/HUD?src=/states/california/offices Hope this helps you. 714-881-5970

Should I pay off my loan early?
Absolutely Mike! I agree with your thinking. Why worry about it, just pay it off and be done making that payment. Start saving once you paid the property off as if you still had that payment. At this point your options are wide open and you now have some leverage. This is why the rich get richer and you know. Be...

I need someone to explain to me what equity is?
It appears that you have been given great answers so far. Hope your question was answered. Equity is what you actually have already paid during the life of the loan. The more equity the closer you are to paying of the loan and ultimately owning the Property.

How high will the rates go?
The Rates dropped today for the better give us a call. 714-881-5970 http://www.uwlending.com

When should I refinance?
Don't wait another day!! Refinance now before the rates go up higher. They are still very low, just not as low as a few weeks ago, and not higher than a year ago so now is the time. Call Unity West Lending today!! 714-881-5970

What are the average refinance costs typically associated with a mortgage?
The answer to this question would be contingent on your current scenario. The costs or credits incurred are different for everyone. Please feel free to call me anytime and I will provide you with a Veteran loan Officer to run your scenario and tell you exactly what it will cost for you. 714-881-5970...

Is there such thing as a no cost refinance?
There is no such thing as a "No closing cost" loan.... none of us do work for free.. so we have to be compensated... When financing, you can either pick the lowest rate available, and pay all your own closing costs, or choose a higher rate, but let the lender give you a credit to pay the costs, or you can...

Rates are going up...should I buy now?
K,Do your research and give us a call if we could help you with any information or questions you may have. Our website is very informative as well if that suits you better. http://www.unitywestlend.comJ