Looking to buy my first home

My husband is self employed, and I earn $45,000 base salary with OT $60,000. We are looking to buy in Los angeles, from SFV to areas near downtown LA (there are homes in this price range) We would be 1...

How long does it take to get a pre-approval letter?

I saw a question on this site as I was browsing which sparked an idea. How long to get a pre-approval letter, and do you need to do it in person? And do you need to do it in the state you live? or where...

How many times are your leads sold--there is nothing mentioned about the...

Open house, pre-approval

Is it necessary to be pre-approved before attending open houses? Can one attend open houses before finding an agent?

What is PMI?

I was wondering if one of you all can explain what that is. I have been told I need it, I am just not sure why i do. Where can I shop for the best rate on PMI. Is that offered thru you people also? Y...

Can Lender give themselves Thumbs UP when replying to questions asked??

I have just started looking at the questions asked and have noticed lenders that seem to always have a ThumbsUP - Best Answer to their replys. I strongly suspect that the lender is doing that to their...

Don't have 20% down, what now....?

I can't do FHA because it's not an approved condo complex. Too many units are already FHA insured for a spot inspection to work. More than 30% of the units are rented, so the PMI company won't do it. ...

First time home buyer

My fiance meets all of the qualifications for a FHA loan, I just filed bankruptcy so I would not be able to qualify but is there a way for him to use my income as supplement to his without me being on t...

can you help with a refinance

can I qualify for a long with a 648 credit score?

can I qualify for a loan with a credit score of 648

Here is what I want a new home, 15 year loan with no closing costs :)

I am planning on purchasing a new home and I need a great loan.The best deal I've found so is 4.5% with NO CLOSING COSTS through Fremont Bank. Do you think it is possible to find a better rate with NO C...

upfront broker questions

We are shopping for a loan now in Georgia to purchase a bank owned property. I have a broker telling me he'll do the loan for nothing. I barely know this person, no loyalty or reason why he should wo...

Can I make this work?

I will try to make this short and to the point:I can't do FHA on the condo I want because it's not an approved condo complex. In my particular circumstance, too many units are already FHA insured for a ...

Notice of Acceleration and Refi?

I might be able to avoid Acceleration, if I can get caught up by Oct 8. I really want to keep my home, my kids were born here. If I cannot avoid Acceleration, will another lender be willing to refinan...

would private loans be the right thing for me?

I want to buy a fairly cheap second home (a condo) in Maryland. I'm thinking $100K but maybe as much as $350K depending on the deal. But I want a "private" loan so that it doesn't show up on my credit r...