Va loan is in my name, wife was on title..Can she be added to the loan?

Live work loan

We paid cash for an old 2 story factory with basement last January. We have been renovating the top floor to be our home and will eventually make the main floor a wellness studio. The basement will not ...

2 years not employed and applying for a loan

I am a home maker and I've been without employment for about two years now. I plan to use a DSCR loan to invest in a multi family unit. I have 640 credit score. What type of loan should I apply for? How...

What loan option is the best?

Plan to buy a home soon. Self employed with 810 FICO score, debts I pay is $300 per month with income of $120k a year. How much home can I afford? Do I apply for a bank statement loan or traditional one...

Lender hesitant to provide a break down of payments

Hi, first time homebuyer here. I recently had my offer accepted and I asked my lender to show me a break down of payments. He got bothered by my request and told me buyers don't usually ask for that stu...

Still in underwriting, what should I do?

I applied for a loan with a local lender and in the process of underwriting. The entire ordeal has been a nightmare. I'm at a 6.6 rate but the market went down and they are refusing to go with the marke...

How long does it take to close a loan?

Hi, this is my first time applying for a mortgage and I want to know how long it takes to close on the loan. The house we are buying has plenty of offers and closing on the loan soonest would give us an...

Should I work with another broker to apply for a home loan?

Hi, I am in the process of becoming a broker. My question is, can I apply for a loan with me being a broker or do I have to work with another broker in this case? Do I need certification when applying f...

Need to obtain a HELOC

I tried getting a HELOC with my primary bank but got denied. My primary home carries no mortgage and my rentals have great equity. My lender was pretty conservative and they offered a $50k line of cred...

DTI too high

I can't seem to qualify for mortgages and HELOCS. They say that my DTI is too high. I currently have $12k in mortgages and they are all covered with rental income. I have a cash flow of about 15% due to...

Investor looking for a lender who would take on a $48k loan

Hi, I am an investor with four rental properties currently and I would like to buy a home that's listed at $60k. My question is, are there lenders who would be interested in a $48k loan? I think the min...

Will I be denied in underwriting for an $8,000 cash deposit?

My husband and I had cash saved from our wedding gifts last year and when we signed our contract for a house, we deposited $8,000 cash in our account to go towards the escrow payment. I never thought an...

I am looking at home equity loans

Hi, I am currently looking at home equity loans. My second home's mortgage is paid off and I plan to buy a 3rd property and do some renovations on my primary home. I bought my primary home a year ago a...

I got denied on my application, should I try again?

I am trying to qualify for a $450k loan making $100k a year. I have credit scores of close to 700 but I have a lot of debt including cards, student loans and car payments. DTI seems to be a problem and ...

Can I buy a primary home given my situation?

I am legally married and own a home with my wife. I separated recently with my wife and I want to buy a house. Can I buy a primary home in Florida without my wife on the title? We are not legally separa...