Self Employed FHA/USDA
Hi I am self employed. I have owned the same business since 2004, however in 2011 I started a new business and received the bulk of my income from the second business in 2011. Though I still receive som...
Can I refinance showing only 2011 tax returns?
I live in California and I have a $680k loan that is neither Freddie or Fannie which i would like to refinance. My Fico is 730 and I can show a really great income in 2011 but my 2010 shows a loss. I ...
What lenders are refinancing accidental investment properties under Harp...
We have an accidental investment property with a L to V ratio of 118% in California. It is a Freddie Mac backed loan. We have excellent credit (both over 780), but are having a hard time finding a lende...
Combining loans
I recently purchased land intending to build a house, however the adjoining property has become available and I wanted to purchase the house instead of building. I found one bank willing to join the loa...
I refinanced 14 mos ago to a 15 year FHA loan. FHA streamline eligible?
Can I do a FHA streamline and if so, would like rate quotes. I'm in California, 92562.Balance is $316k, value is $390k. Our credit scores are about 820 each. We have been paying an extra principal eac...
High dti and refinancing
Are there any programs that accept a high dti 65%?I owe 184000 house is worth 320000.My credit is a 715 and i make 30000 a year.I have a co borrower 780 credit and makes 250000 a year.His dti is also hi...
harp 2 program
i have a first and 2nd mortgage of 214,000 and 30,000 in credit card debt, which i am currently on a debt management program for past 2 years, current past 12 months or more on mortgage payment. don't k...
Stated Income Loans
I own a condo on the beach in Malibu with a mortgage of approx $363,000. The current value of the property is approx $900,000 to $1,000,000. I would like to refi to a lower rate and/or take out a home e...
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