Borrowing money from a friend for closing costs

I was ready to buy a condo with a conventional loan but I lacked the funds for closing costs which amounted to $4k. My money is tied up in stocks that I can’t liquidate in time and I am afraid that I ...

Single mom applying for FHA loan

I was approved for an FHA loan at 3.5% fixed for 30 years. My monthly payments would be $1,700 which is higher than I expected. I am a single mom and I’m not sure if I can afford the payments. I still...

Can a builder force me to pick a lender?

I got pre-approved at 2.5% for a conventional loan at 30 years. I have a FICO of 837 and 822. My builder has a preferred lender that offers 3.125% with a 20% down payment. Can they force me to use thei...

FHA or USDA loan?

I live in NY and I’m shopping around for a conventional loan with a 3% down payment. I have a student loan and paying $300 a month to be fully paid in 2 years. Should I get an FHA or USDA loan?

Refinance or wait?

I live in a studio apartment in Boulder and I am looking to refinance. I refinanced last year and got a 25 year at 3.5% and plan to refi again to a 20 year at 2.75%. Should I go on with the refinance or...

Healthcare worker buying a home in Florida

I plan to buy a home in Florida next year. I’ve been working in the healthcare industry for 2 years now and I was told that I should work in the same industry for a longer period and make more money t...

Can I refinance even with just 2 years of employment?

I want to know if I can refinance a home with plenty of equity even when employed for just 2 years with nothing to show before that? My credit score is 720 without any debts at the moment.

Bank or Private Lender?

I am looking for a trusted lender in California that can offer low rates and closing costs. My credit score is 750, I have a car loan where I pay $300 a month and I can afford a 5% down payment for a n...

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Multi-unit investment

I plan to invest in a multi-family apartment and I can put down at least 50% for a down payment. I only need $100k from a lender and I would like to know if a 15 year or 30 year mortgage is better? I ow...

FHA loan application with previous bankruptcy

I went through a terrible divorce which led me to file a chapter 7 bankruptcy and surrender my home. The bankruptcy was discharged in 2018 and I plan to apply for a loan for a new apartment unit. Would ...

Loan application after getting a new job

My family is moving from Texas to California. We want to get a loan for a new home but I haven’t started with my new company yet. Will this affect my loan application? I worked for 10 years in my prev...

Best loan for retirement home

I have an e-commerce business that has been doing well for the past 6 years. My family and I are looking to purchase an amazing beachfront home where we also want to retire. The home costs a million dol...

Applying for a loan after forbearance

I got into COVID forbearance at the start of the pandemic since my income was not stable during that time. I just sold my home and paid for the mortgage in full. I want to know if I can apply for a new ...

How to get the lowest rates

My wife and I are planning to buy a retirement home where we can spend our time close to the beach. We want to know how we can get the lowest fees possible on closing costs? Do we lock at interest rate...