origination fees

how much do origination fees typically cost? do they have to paid up-front?

qualify for loan, too young

how does age factor into getting a loan? what age is considered too young where it will negatively effect your chances of getting a loan? is it illegal to deny someone a loan who otherwise qualifies bec...

do i have to pay PMI if I have to refinance my loan using VA?

co-signing a mortgage

my wife and I are taking joint responsibility of the mortgage on our new home. when we sit down with a lender, how will our interest rates be determined; will it be an averaging of both scores or will o...

refinance if co-borrower had bankruptcy 6 yrs ago, and has since walked ...

I purchased the home with my former partner about 8yrs ago. She filed chapter 7 6 yrs ago. Last June, she walked away from the home. I have paid all the payments on time and have excellent credit. We ha...

Prequalification vs. preapproval

Are prequalification and preapproval the same thing? what do I need to have/do to be preapproved for a loan?

buying a relatives home in short sale

my sister is going through a short sale and I was considering purchasing her home but I was wondering what the legal implications would be and if this is indeed legal?

LTV of 75%, conforming, cash to more than cover the mortgage amount - re...

I am just beginning to generate income after two years w/o any. I didn't bother to refi as income verifcation was an issue - or so I thought. I have money and top credit, no other debt, own/live in ho...

why can't i get a loan modification on a texas cash out mortgage?

Refinance and then build new

We have an cash out mortgage and a second mortgage for a pool. We are wanting to build a bigger house but consolidate these two in with the price to build our new home. Is this possible to do and if so...

mortgage after foreclosure

When things went south for me, I had to file for chapter 7 in March, 2010 and it was discharged in July, 2010. I had vacated the underwater property some months before that. The bank, however, did not...

mortgage rates

how can i get the mortgage rates advertised online? it just seems like every time i see rates posted online, they are overly optimistic and totally unrealistic.

VA Business Loan

Does anyone do va business loans?

Loan on Individually Titled Condos

Good afternoon. I have a difficult financing requirement. I recently purchased 12 individually titled units in Mulberry Gardens, a complex of 43 condos located in Phoenix, AZ. The vendor has 4 more un...

When are brokers required to release GFE and TIL

We've been dealing with a local (california) broker for a HARP2 refi and he's had all of our tax documents, bank statements and employment history for well over a month. He ran our credit and we signed...