want to refi. foreclosure 3/13, interest rate 4.5 credit score 725, Annual income $50,000. Stockton CA, I owe 158,000, $267,667

Should be no problem , please call me so we can go over rate and terms

I would love to help you. Is there a good time to connect tomorrow?

Why do you want to refi Sir/Ma'am? Let's start there.

Shouldn't be a problem. We would be happy to assist you.

I apologize if anyone was making you feel uncomfortable with no leaving their name and name, I personally was under the impressing, that information automatically came up. My name is Rebecca brown, I have an office of Bay Equity Home loans I opened in Midtown, Sacramento. My direct phone is (916) 836-3139 And my email is rbrown@bayeq.com. we drfinately have options for you, but everybody's situation is different so I would love to speak with you for a few quick minutes to make sure i am providing you with the best mortgage strategy for you! Thank you and I hope to speak with you soon

I apologize, I as well thought that the contact information would show up. Gwen MarshallGwen@bradfordgroupmtg.com678-910-0072

What type of loan do you have now e.g. Conv, FHA, VA, or Other? The waiting period for foreclosure is dependent on the type of loan you want to obtain. It may not be applicable at all if you currently have an FHA or VA loan. It may not apply on a Convention loan either, if there was a Bankruptcy and the mortgage (on the foreclosed property) was included in the BK. Happy to explore options with you. Here is my contact information. Please google my name and check out my references. If I can be of assistance, here is my contact information: Brandon Humrick / bhumrick@loanservices.com 559-375-7067 Direct CA BRE Lic #01280213 www.loanservices.com

You can refinance. Appears should not be an issue. Please contact me to discuss your objective and I can determine what is your best option. 562.254.5616. Regards

Absolutely,, but only using FHA... Conventional guidelines require a 7 year waiting period.. i'd be happy to look at your complete loan profile and advise you.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Hi, your only option is FHA or VA or USDA which I would probably would think you would fall under FHA because you did not mention you had a VA loan. The waiting period for a Conventional Mortgage through Fannie Mae is 7 years and Freddie Mac is 3 years of the circumstances were extenuating otherwise it's 7 years also.