Credit Question when it comes to mortgages?
i was just wondering my credit is between 620-630 right now. and i am a first time home buyer. what are the chances of me getting a mortgage loan and how much do you think i would be approved for so i c...
Question about HARP 2
I see the guidelines of HARP 2.0 Eligibility & Qualifications on Lender411 site. If I have one is fail, could I qualify this program? Do I want to find the same bank to do this program or not? If so, do...
Can I take out a bigger mortgage loan than house is worth for repairs?
We are buying our first home and were approved for a conventional loan of 130k. We are looking at a fixer upper house in an extremely nice neighborhood where most houses sell for 170k but this house is ...
My father passed away two years ago leaving me his house.
I contacted the mortgage company a week after he passed. My question is since the mortgage is only in my dad's name and not mine .I don't have the credit to get it in my name. Am I responsable to the mo...
How can I refinance a 20 year underwater mortgage with LPMI into a 30 ye...
I have a (Freddie Mac) 20 year mortgage (10 years owing) and a terminally ill spouse. I just want to refinance under HARP 2.0 to protect the roof over my head when my husband passes. I have called Cit...
Foreclosure, Deed In Lieu or Loan Restructure?
I became disabled from a motorcycle accident and fell behind in my payments and stopped paying my mortgage. I requested to do a short sale, the property was listed for 6 months and I then requested to d...
Need help to refinance after completed Chapter 13 Bankruptcy
I am having a hard time finding someone who can help refinance my home. I filed a Chapter 13 bankruptcy in 2007 and finished paying it off 100% in 2011. My currently mortgage is @ 5.75% and I have a sma...
How do lenders pick which credit score to go with when 2 people are appl...
My husband and I will be looking to purchase a home at the end of this year or early next year. We are working to boost our credit scores so that we can (hopefully) qualify for a mortgage. We are both...
Why are such high credit scores required??
Why is it that lenders will not go below 640, when FHA it's self goes down to 500 for a 203k mortgage. Leaves people like me in the dust, while working our tails off to get some where.if it wasn't for ...
Upgrading my home, whats the best investment route?
Let's say for example, you're living in a house worth about 180k with zero owing on the mortgage. You have zero debt. You want to take on a new mortgage and move to a house that's about 400k. We can get...
Can I round my loan request up to be safe on closing costs?
I need to borrow approximately $15,000 to $17,000 for closing, etc. Am I able to round up the loan request to say $20,000 to be safe and put back any extra right away or will TSP think if I only end up ...
Need advice on selling ot staying put.
I am a homewoner who would love to sell my home but since I have only lived here for 5 years I do not have any equity. I would like to get more bang for my buck and take advantage of the low interest ra...
Can we qualify for an FHA loan with 593 and 680 credit scores?
We live in Minnesota. My credit score is 593. I have student loans in good standing and 2 recently opened credit cards in good standing. All of the negative stuff is from 6 years ago.My husband's credit...
Home equity loan on a house with no mortage?
I have inherited a home with no mortgage and need a home equity loan but have filed bankruptcy with the past 2 years can this be done
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