my credit score is 598, im trying to get pre approved for a home loan to buy a cheap house that needs little to no work, ive found several houses all under 25,000.00, but to place a bid i need to be pre approved, how can i do that
Call me at 732-245-5121 I maybe be able to get you in under FHA will need to see your credit report. You can see who I am at www.jimbrownmortgage.com I assume we are talking NJ. thanks JIM

I want to refinance
Sure you should protect yourself with the 30 year program for one. I will provide you with the payment amount and that is what you pay from here on out. god forbid you lose a job or income. No sweat you have a 30 year and you won't have to qualify or go through closing costs again. Your big issue is you will...

I have a credit score of 719. Is that "excellent" when filling out the form on this site?
Yes that score is fine as long as there are no judgements that need to be paid. You should do fine and not get hit for any adjustments for credit. Value of the home is another issue however.Jim Brown, Sun National Bank

We have a lot of upgrades in our house.
Appraisals for first mortgage refinances require a full appraisal including a walk through inside the home. A good appraiser will note recent improvements and further note in comparison to other homes. Square footage is also important, again must line up with comparables. Quality workmanship and...

after i buy my home i soon can i take OUT A MORTAGE
Typically there are lenders who will refinance it in 6 months. They will be looking how you purchased the home in example where did the money come from, gift,savings, etc. Credit etc and ability to pay must be reviewed. Feel free to reach out for more information.