Can I refinance an investment property with HARP?
Yes, you may refinance investment properties under the HARP program. Please call or email with a detailed quote based on your particular circumstance. Wade Miller (714) 292-4198

Are there any other programs out there for homeowners who don't have a Fannie Mae or Freddie Mac loan?
It really depends on your loan balance and value. I am assuming your home is underwater, in which case, its tough to help. If you can elaborate about your situation a bit more, it would be useful in answering your question. Call if you wish, Wade Miller (714) 292-4198.

Is there any advantages to VA vs. conventional loans? I have heard VA loans are harder to win a bidding war with.
VA requires Termite Work & Clearance, plus the seller must pay for extra closing costs on your behalf. The main difference is that the appraiser may call out items to be repaired, whereas Conventional it seems the appraisals come back much cleaner. If you know the condition of the property is...

FHA Loan Mortgage Insurance Premium
Hi, that is true, you must pay PMI on an FHA loan no matter your down payment. I dont know exactly when that rule took place, but my guess it was about 12 months ago. If you need additional help with an FHA loan, or any other loan, you may contact me directly. Wade Miller (714) 292-4198. Hope this helps.

How do you purchase a property that is foreclosed?
It is essentially the same as buying a home owned by an individual. In this case, the home is owned by the bank. The types of financing are virtually the same. If you need help with financing, my name is Wade Miller at 714-292-4198. Thank you.