Who should be applying for the best deal me or my husband?
We are preparing to begin the pre-approval process and my husband and I are trying to find out who's name should the loan be in. I for one have excellent credit, long credit history but lots of debt. I...
Is it a good time to refinance?
I owe $98,000 on my home and my rate is 3.2%. The home's value is up to around $250,000. My credit is not high enough for a HELOC though. I want to leverage my equity and do a cash out refinance. Is ...
My broker is asking for information 1 year after closing
We closed on our mortgage in April, 2022. At the time my husband was paying child support that was disclosed and appeared on all his paystubs. Underwriting apparently missed this bit of information and...
Buy a home or rent?
Hi, I'm thinking about paying a mortgage instead of renting and I am now actively looking for a home. I do have financial problems but I'm tired of renting and not feeling secure about not having a ho...
What type of loan should we get?
We live in the heart of sunny Southern California, we find ourselves in a bit of a pickle. Despite having a comfortable nest egg nestled in the value of our home - currently appraised at a cool $1.9 m...
This may destroy my credit score so do I pay them off?
Greetings, I am in dire need of counsel! My spouse and I have been granted a home loan and are actively in pursuit of our dream home. We possess a remarkable credit score of 750+, among other attribute...
Arizona City, AZ - Mar 6th 2023
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Looking forward to buying a home in July but I'm getting conflicting advise
As a first-time home buyer, I have a unique situation and would appreciate some guidance regarding my eligibility to purchase a home. I have received conflicting messages, which have left me uncertain. ...
Am I getting a good deal on rates on monthly payments?
Greetings, My financial range is between $700,000 and $1 million but am concerned about interest rates and monthly payments. I have yet to receive the fee worksheet and/or loan estimate, so I cannot co...
Detroit, MI - Mar 1st 2023
This question has not yet been answered.
Need help with HUD label plate on my manufactured home
Hi all, I am buying a manufactured home through home possible. The HUD label plate was covered up before the current seller bought it by new siding. We ordered an IBTS report but it came back that the ...
Big Bear City, CA - Mar 1st 2023
This question has not yet been answered.
Is it a good idea to apply for a nonconforming loan?
I'm looking for a non-conforming loan since I've been having difficulty getting a traditional loan since I am self employed. I can put down 20% with a credit score of 786. I have a W2 for a year and b...
Can someone shed light on my situation with my VA loan?
I currenty have a VA loan and I still owe around $200k. I am having a hard time selling my home to buy a new one. Current rate is 2%. My eligibility allows me to buy a new home. I am selling at $400k ...
Alameda, CA - Feb 27th 2023
This question has not yet been answered.
How can I save on costs on an FHA construction loan?
I plan to apply for an FHA construction loan since we've acquired land in a promising location. Are there ways to save money by doing some of the work on your own? If there are ways to save would it ...
Denver, CO - Feb 27th 2023
This question has not yet been answered.
Will I be able to get a loan that closes quickly?
As a self employed owner of a cleaning company, my income has been growing steadily since 2020. I have been paying my monthly rent on time for the past 20 years. I have good credit and low DTI. I hav...
Auburn Hills, MI - Feb 24th 2023
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Is this rate ok?
My credit score is 804 and I'm applying for a conventional loan. Loan amount: 350,000 Purchase price: 400,000 Interest Rate: 6.490% Term: 360 months Down payment: $40k My agent suggest to go with this...
Question on conventional loan
Hi, I plan to convert my primary home into an investment property and buy a new primary home. I have another property where my parents stay. Do I need to have reserves for my current home and the pro...
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