I have a home but my uncle lives there and pays the mortgage. I want to get a second mortgage so I can have my own home but this first loan is giving me a hard time getting approval on the 2nd loan. Is ...
I plan to buy a rental in my name only without my wife. She makes $250k a year while I make $150k and self employed We both have our names on the home now with a $500k mortgage. We currently have a ca...
I have two deeds to two properties in my name and I plan on building a small apartment on my first property. Can I use the equity in my property as collateral for a construction loan? How does this work...
I am planning to refinance a current loan because I need the funds for debt consolidation. Closing costs will be $30k and it seems like its not worth it. A HELOC would have been a good idea but my sco...
An offer was made for a charming little bungalow that's great for a retirement home. It's located in the neighborhood where I grew up and settling down there would be a dream come true. My question is ...
Our current rate is 3.75% and refinancing at this point would seem ridiculous. I've been hearing that a HELOC would be the best option given our scores of 662, 639, and 614. A personal loan is also bei...
We live in Denver and are renting currently. We plan to buy a home worth $375 to $400k. My score is 650 while wife is at 625. Our income is $180k a year and DTI of 39%. Cash assets of $4,000 Our scor...
Anyone familiar with assumable mortgages? I'm exploring all my options of joint ownership with an ex. We aren't married but own the home. I am trying to buy him out first if not then sell the home. I di...
My in laws are having problems with their loan. They still owe a lot on the remaining balance and they still have 12 years to pay off the loan. The home is under my husbands name but his mom is co-signe...
I've built enough equity on my current home and I am looking for ways to use it wisely. Do I get a cash out refinance or pull a HELOC? Can equity be used as collateral instead of having a second lien on...
I am selling my home to buy my dream luxury home soon. I am buying in an expensive location and was wondering if a super jumbo loan is the best option for me. My current home is on the market for $19M a...
My wife and I are both W2 earners. I have a side gig that used to be full time in 2021 but sales have gone down 50% so I had to go back to employment. I have 2 years worth of tax returns on my business ...
I've been getting conflicting advice and I want to get clarity on the matter. I bought a home in 2021 but it was too small coz my family got bigger. We moved out and my wife ended up buying another hom...
We're looking for a loan in Orange County for $850k. I have a Chapter 13 discharge which will be a year this March. I'm an independent contractor making between $120k to $130k a year and can provide ba...
I'm getting refer/eligible for a file I've been working on. "This case has been referred because the risk exceeds the risk threshold for automated approval for an FHA loan. An FHA registered DE underwr...
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