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Proof of income for home loan

How can I get proof of income for a home loan? What are my options if I don’t have any proof of income or home address? Can I submit a copy of my most recent tax returns or provide tax transcripts fro...

How to improve credit scores?

My goal is to boost my FICO scores to qualify for a loan. FICO 5, 4, and 2 are currently 589 EQ, 534 TU, 556 EX and based on MyFICO FICO 8 is currently 604 EQ, 618 TU, 587 EX. I made some mistakes a few...

Is a USDA loan the best choice in our case?

I have a bankruptcy discharged on June 15, 2018 and I sold my home in Indiana last July 10 2020 and moved to Detroit. I have been renting for a year as I adjust to living in a new city. I have started l...

Do I qualify for a USDA loan?

I earn $70k a year in my current job but I have only been here for 4 months since I got laid off due to the pandemic. I’ve had 4 employers in the past 5 years with higher salaries each time with the s...

Concern with real estate prices going up

I noticed that real estate prices have skyrocketed once more and my loan to value is around 54%, isn’t this too low? Am I looking at it the right way that if the market tanks by 25% I can still sell o...

Question about PMI

I was wondering if a lender can still charge PMI even if the borrower already has 20% equity in the house upon purchase? I am new to home buying and I want to know how I can do away with paying PMI.

FHA loan for duplex investment?

Me and my best friend are planning to purchase a duplex as an investment property. My current home is on an FHA loan while my friend rents a pad. Can we finance a new FHA loan since I already have one?

Looking for commercial lenders

Hello, I am ready to acquire a commercial property in Tennessee using a long term buy and hold strategy. I am looking for recommendations for 2022 commercial lenders with the best deals for long term le...

SBA loan qualifications

Hi everyone! Does anyone have experience with SBA loan qualifications? I am looking for a $2M loan for my next purchase. I am not familiar with what lenders look for and I need to know how much down pay...

I want to liquidate my Fannie Mae account of 35 years will there be pena...

Denied consideration of income due to family business

I am working to get pre approval for a loan, and wanting to consider both my income and my wife's income. We are moving to another state and her new job is for a business owned by her family. She has no...

Are there lenders who can offer 15% or better down?

I am looking for lenders that offer better than a 15% to 20% down payment for a conventional loan on two rental properties in the Atlanta area. I currently deal with a preferred lender who offers $2k to...

Refinancing without seasoning period?

I have just acquired a new rental property 3 months ago and I need to refinance after finishing rehabilitation. Is there a way to get this done and do away with the 6 month seasoning time required? Any ...

Which lender to pick?

I am currently dealing with an online mortgage lender and my builder’s lender. The builder is charging for 2 months prepaid taxes while the online lender is giving 12 months in escrow. The online lend...