Non-Purchasing Spouse, Community Property State TX
I've submitted an application with the bank to purchase a home here in TX. The bank is asking for my husband's SS# but we purposefully excluded his name from the loan app b/c his scores are low & his de...
If I am moving in less than 5 years, should i go for 5/1 ARM? Seems to ...
Is it harder to qualify for ARM than fixed these days? or is it same? I will be moving before 5 years from here, but need a fixed payment until then.
Is it true that Obama has raised the LTV to 125% for refis?
I have heard that I can now refi up to 125% based on new Obama anti-foreclosure law. Is this correct?
What is the purpose of "co-signer" in a puchase loan?
We have been told we do not qualify for a home loan because of credit score. We have a cosigner (my brother in law) but have been told that a cosigner doesn't matter until you are already approved for l...
What is the deadline for the $8K Tax refund?
Do I have to move into my new house by Dec 31, 2009? Or is it by when the loan closes? Can someone please explain?
I am trying to qualify for a home loan (it will be our first). Should I...
What is the difference between regular & FHA? Is FHA a loan from the government?
I asked this before and never got an answer, can someone please help wit...
I had heard of "conforming" and also of "jumbo", never of "conforming jumbo". What is that type of loan ? Is this a new Obama thing where jumbo loans do not need PMI?
Do mortgage rates hit their lowest in summer and then go up from there n...
My brother in law tells me that mortgage rates always go down in summer since most people buy homes in summer. Then they go back up near the holidays . Is this true?
Can someone remove my name from a mobile home title without me knowing it?
Can my ex have my name removed from mobile home title and add someone else with out my knowledge?
How does a gift letter work? And will I need to pay it back?
If I buy a house for $100,000 and my uncle is willing to give $2,000 gift money to closing costs for me. It is my first time buyer, after closing, I could file an amended 2008 return, and get up to $8,0...
Can you carry two FHA loans at the same, or do i need to quit deed?
I just refinanced my 1st home (FHA) and now in the process of purchasing a new home. just to find out that I can not carry two FHA loans. Can I quit deed it over to my dad & do a novation to be released...
I bought some land in SC that says it's unrestricted and would like to k...
Hello everyone, I recently purchased a piece of land in South Carolina and the papers state that it's an unrestricted piece of land. What does this mean to me?
When am I eligible for a home loan after I declared bankruptcy 2 years ago?
how likely is it to get a home loan if you have declared bankruptcy in previous years and how old does the bankruptcy need to be before applying?
How can I get my credit score from 540 to 620 in 12 months
I'm looking for purchase a new home within the next year and my current credit score is 540, I would like to get it to 620 before I start looking for a home. What is the best way to go about in getting ...
Do I have to pay more for fha mortgage insurance on a new condo in NYC?
My FHA loan lender is insisting I pay 1.75 % of loan amount as upfront insurance (this is a condominium in NYC) in addition is asking me to pay 0.05% of loan amount / month for minimum 5 years for mortg...
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