Are FHA and VA loans better than conventional loans?

What are some of the lowest scores you’ve had and been approved to buy a home? What was the down payment required? I want to know what I can expect with scores in the low 500s. I’ve heard about FHA ...

Are application fees charged upfront?

Hi, this is my first time applying for a loan and I was wondering why an application fee is being charged upfront? The fee is $395 and non-refundable if we don’t close. It gets credited after closing ...

Should I pay the principal down?

I currently have a high interest rate conventional loan with 10 years left and around $180k in equity. Refinancing is not an option at this point. Should I pay the principal down? I want to get a lower ...

First time applying for a traditional loan

I bought 2 properties in Colorado. I live in one and the other is over 30 acres of land. I am trying to take out some cash on one of the properties but I don’t have any idea on how to do it. Any advic...

Being ghosted by a lender should I look for a new one?

Been working with a lender on an FHA loan with 10% down since our scores are below 580. We’ve submitted all docs necessary and we haven’t received a call back from our lender. Should we look for ano...

Considering a USDA loan and other low dp options

Considering a USDA loan and have discussed details with the broker. Credit is not the best right now with 2 open accounts namely a car loan and credit card debt. Scores are around 620 to 650 range. I am...

Can I roll closing costs via seller?

Currently closing on a house and appraisal came in higher than my offer. How do I roll some of my closing costs via the seller? Plan to tack at least $10k to the total loan amount.

Buying a second home with complications

Hi, I want to ask if it’s possible to buy a property as a primary home even if you do not work in the same state as the property? I work in New York and I’m buying in VA. My wife will live in the VA...

Need help on how to proceed in my situation

I have no idea what type of loan I need. I have been renting to own with a contract to get my own mortgage this year for the remainder of what’s owed. The home is in my name and I pay the taxes. I hav...

In need of a 95% loan. I have repaired credit after short sale 2 years a...

Should I buy down the rate?

We just got pre approved for a loan and got a $200k loan that was upgraded to $250k after paying off income tax. I asked for the rate we would be getting and the lender quoted 4.375% with the option of ...

Applying for a loan with income source in question

I live in Colorado and my business is in the marijuana industry. Are there non qm loans that I can apply for to purchase a new condo? Banks won’t work with me because of the company that I own. What a...

Will 3 errors on my credit report affect my loan?

I plan to buy a studio unit in the next 6 months but I’ve got 3 errors on my credit report. I already applied for corrections and I was wondering how long before the corrections take effect. Should I ...

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Can the bank of a default loan take the other person ooff title knowing ...