What type of loan is the best?

I’ve been renting a studio unit from a family member for a decade now and I want to venture into home ownership. I want to apply for a loan before the rates go any higher. I plan to add funds for reno...

REcall

Lender is asking for me to sign a 4506c, 10 days after the loan has alre...

Do we need to boost our scores to qualify?

Our lender is saying that we need to boost our credit scores to qualify for a loan at $250k. Our income is not a problem and we don’t know what the issue is. My score is 630. We just sold our home and...

Closing a loan without tax transcripts, is it possible?

I am closing a loan in 2 days and found out that my lender needs tax transcripts. Unfortunately, my tax transcripts are not available. Is it possible to close the loan without them? My IRS returns for 2...

Is it a good idea to refinance?

My interest rate is locked from the builder at 5.5%. I checked on the rates and there are lenders giving 5.25% and no PMI. I have a score of 770 and I want to know if a refinance is a good idea?

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Trying to get a loan with low credit scores, what are our options?

We just sold our house recently and we want to buy a new retirement home. My husband is retired in the army with consistent income while I just got a new job. We both have poor credit but we have money ...

Working part time for 2 years, do I qualify for a loan?

Hi, I’m graduating this year and I have started working with a stable employer. I’ve been working for the past 2 years but were just part time gigs to help pay the bills. I plan to buy my first dupl...

Should I wait for my scores to go up?

We are closing on a loan but it was pushed back since construction has been delayed due to lack of finishing materials. I had something pop up on my credit report which caused me to be 10 points below t...

error in my loan

My Lender wants me to refinance my loan for a mistake they made

My original loan closed on 12/09/21. My Lender reached our sometime in February that they needed my help and wanted to refinance my loan over a mistake they made. After a few concerns I agreed to help a...

Is an FHA loan a good option?

I’m trying to get loan approval with scores at 640, 600, and 589. I have enough for a 10% down payment for a $200k home. Lender suggested an FHA loan with 3.5% down since they approve even with scores...

Are soft credit pulls accurate?

I want to ask how accurate soft credit pulls are since a lender gave me a 600 score but when I checked it was a 677. I am applying for a pre approval for a studio unit that I want to buy so I could move...

Is there a seasoning period on a bankruptcy?

I live in Missouri and got discharged from chapter 13 last month. My family owns 5 acres of land and we want to apply for an FHA loan for construction. Is there a seasoning period on the bankruptcy or w...