what are rules for first time home buyer?

I purchased a home in the Ukraine, back in 1979. It was sold in 1999 before I moved to USA in 2000. I was denied for a first time home buyer program. I am thinking this program is for fist time home buy...

deposit

I put 1000 deposit for a new house, but 3 weeks before the closing day, the lender said the mortgage rate become higher so made the monthly payment become higher than what we can afford. Can I get my de...

1/2 acre Land Loan

How difficult is it to get a land loan? I've been living in a trailer on land owned by a old family friend that has passed away in February this year. I don't want to get kicked off the land by the new ...

Co-Signer Maximum

I inherited my grandfathers home, it was deeded to me. I have not been able to keep up with the payments due to seasonal work and it being limited with the fires here in Northern cali this summer. I don...

I am 78 and need to know what % of my home's value can I get from a reve...

Pot in my neighborhood

I put in an offer for a house in a neighborhood in Aurora where I found out there was a huge pot bust a couple months ago. Are Lenders/Banks typically aware of these types of issues? I did not have a re...

Swapping Lenders mid Escrow

What is the proper way to go about changing lenders if you are in escrow? I do not agree with some of the business practices the lender has been using and I am less than 30 days from closing. Any feedba...

Isa townhome considered a multi-family dwelling for a home equity loan?

Co-signer for Stated Income

I have been self employed as a hair dresser for 10 years. I am 24 and started working with my neighbors mom when my grandma passed away (I was 14 and had to care for myself as I was placed in foster car...

FICO dropped after pre-approval

I was pre-approved on September 1st for $405k. My FICO at the time was 718. I recently paid off my car, about 30 days after I was pre-approved. I pulled my tri-merge and found that my score dropped 37 p...

Expired LO License !!

I recently found out that my Loan Officers license in CA expired 10 months ago. What should I do - we are in escrow?

Negotiate Lower Down

I was told by a close friend that use to be a Broker that many Real estate Agents or Lenders will negotiate the points on the back end of the loan to make the down payment lower, is this standard practi...

LAND CONTRACT BUYOUT?

will your company do a land contract buyout. I owe approx. 13000 on a house valued approx. 65000

$10K State Tax Deduction Cap in California

Now that there is a cap on mortgage tax deductions in CA, I have been looking into purchasing rental property in other states; but the long term ROI that California property seems to have is not as lucr...

Waiting Period on Refi?

I recently purchased my home (2 months ago) at a much higher rate than what the market is producing now. How long do I need to wait before I refinance? I am a first time home buyer, so I am not sure if ...