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...

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...

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 ...

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 ...

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 ...

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...

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...

Quoted high appraisal fees, will it be credited during closing?

My lender charged $600 for an appraisal but upon checking the actual cost is only $500. Are they required by law to refund the difference? I was hoping they could send a check or at least credit the am...

What are my chances of getting approved?

I have saved up enough money for a downpayment on a condo. My credit score is 800. I am self employed but I spent too much money at the casino lately. Will this ruin my chances of getting a loan?

I need advice on my FHA loan

I currently have an FHA loan with a housing ratio of 47.34%. Is there a way to make this work without having to change anything on the loan? In the past, I applied savings for retirement 401k. Will thi...

I am 7 months older then my Wife. We where both born in 1945, me in Feb ...

I've been getting conflicting info regarding a conventional loan

I plan to get a conventional loan to buy a single family home. I worked part time for 2 years and left the job into a 1099 position doing the same thing. Does the W2 part time job doing the exact same...