Who will refiniance my manufactured home with a Streamline VA?
We can do it at Guild Mortgage as long as it isn't a negative equity. However, if your current mortgage is with Guild, we can do the streamline refinance without an appraisal. Give me a call at 360-675-6106/541-221-3455 or send me an e-mail at fredc@guildmortgage.net and let's discuss your...

What loan program has the lowest down payment requirements for borrowers with good credit?
Whichever program you decide, be sure and look at the various options. FHA my require only 3.5% down, but sometimes, depending on credit a 5% down conventional is a much better way to go with very little additional down payment. Have your loan officer look at monthly mortgage insurance, split mortgage...

Is getting a reverse mortgage a good idea?
I no longer offer reverse mortgages, so I don't have any personal benefit, one way or the other. A reverse mortgage may be the best thing you can do, it really depends on your circumstances and what you want to accomplish. If you like, take a look at the flow chart at...

We are having problems with our EA3 loan closing.
Normally I would agree that you stay with your current lender, however since you have been working on this for more than half a year, I think it is probably time to change. I don't believe I can do an EA3, haven't really tried. I know they are tough. Take your pick of the ones here that say they can...

FHA vs. Regular mortgage loan? First time home buyer.
Hi Suzy,I just posted a series of articles regarding the FHA, VA, conventional and USDA comparisons. Since you are in Ashland, you probably won't qualify for USDA but some of the area around there does. Take a look (be sure and follow all of the links: http://www.fredchamberlin...

Scary letter received from Wells Fargo
Unfortunately, with the number of people during the real estate bust that did buy new homes shortly after refinancing their current home, it is not surprising that Wells Fargo would react like this. I believe it will be a case of showing them that your intention at the time your refinance was to remain...

Are streamline FHA refinances possible on investment properties or only owner occupied residences?
Absolutely you can do a streamline refinance on an FHA home loan on an investment property mortgage. Give me a call in Oak Harbor at Guild Mortgage, I would be happy to help you. 360-675-6106