How long must you be employed at a job before you can be approved for a ...

My husband worked a steady job for almost 5 years and has just started a new salary position job in Chattanooga, tn. We are very interested in purchasing a home in the next 6months give or take a little...

FHA or USDA?

I'm trying to buy my first house and I'm having a hard time deciding between a USDA guaranteed loan and an FHA loan. I've been trying to do some research but what I really need is some sound professiona...

Can I lower my escrow since my house's value decreased?

I purchased a home last January for 300K with an assessed value of 389K and taxes at $6,000. I've been paying $503 monthly into escrow, however, the value this year has decreased to 257K and dropped my ...

New short sale/foreclosure laws??

So I was recently told that starting in 2013, homeowners will be taxed on debt that has been forgiven through loan modifications or short sale? I couldn't find anything online that supports this claim b...

Should I finish paying off a loan now or later?

I'm trying to pay off a $70,000 loan at 5.000% but I've been offered 2.750% from Chase. Currently, I'll be paying off my loan by 2015. If I accept, will I be paying for much longer? Is it worth it?

Refinancing under HARP 2.0 in CA....Is this a good deal?

Basic info: owe 391,344 on home, but we are underwater (LTV 110-118%). Current rate is 5.875% and Bank of America was paying the PMI for us. So, we did have PMI on original loan, but they paid it---cu...

Can a Refi Plus only be done with my current loan servicer?

I just started my refi application with my current servicer for a HARP 2.0 and have locked my rate. Since they are doing a manual underwrite it will be very streamlined and will not need an appraisal a...

Which rate to pick for my refi?

OK I'm about to do a HARP refi and I'm not sure which rate to lock in. For a 3.99 rate after rebates and closing costs I would be adding about $1800 to my previous loan and the monthly payment would ar...

High DTI and Refi...Any lender that can help me?

OK here is my situation:For the last 2 years now I have been doing consulting work and receiving income as a 1099-MISC and independent contractor. My last 2 years of tax returns have a Schedule C (Pro...

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Refinancing on a 30yr loan without Harp?

I'm looking to refinance on a 30 year loan but I'm unsure how to proceed. When I got an appraisal, it was lower than expected and set my LTV to 97%. I refinanced before the cutoff date for Harp so I don...

How do I find out if my condo is fannie/freddie

I want to refinance with HARP for a lower payment.

Locked in refi rate, payed appraisal, delayed closing 75 days re-ran cre...

I thought it I locked in my rate it was a done deal. Can they do this?

Harp 2.0 Refi Process: 2nd Mortgage Subordination Agreement

Hello, Soon, I will be applying for a Harp 2.0 refinance on my property in Florida (applying through my 1st mortgage holder). I also have a 2nd mortgage on the property and understand that Harp 2.0 requ...

What are the min credit scores to obtain an FHA & Conv loan in PA after ...

What are the minimum credit scores to obtain an FHA and Conventional loan in PA, after a chapter 7 bankruptcy discharge? How long do you have to wait after the bankruptcy has been discharged to qualify?