How long after a foreclosure can I apply for a new home mortgage?
I'm currently about 2 years out of a foreclosure, my credit is on the way to recovery but I feel like an optimal situation for credit would be about 1-2 years down the road, currently at 605 FICO score....
Should I lock in my rate for a mortgage before the end of the year?
I've heard that mortgage rates are cheaper at the end of the year, is this true? Because I currently am refinancing and I just want to make sure that my rate (which was quoted at 4.5% for a 80% LTV towa...
Middle FICO score of 702, wondering what rates I can refinance my home to
I currently have a 6.625% rate on a 325k home, with about 65% of the LTV left on the balance. With my credit, and a DTI of around 30% (make a combined household income of around 110k), what kind of rate...
Mortgage options?
HiI'm looking at a 600k ish house with 10% down in the north shore of Chicago. Is this possible? What options do I have?Thanks!
Refi to lower rate?
I have 15 years left on a 5.2% fixed rate 30-year VA loan. Should I refinance to a 15 year loan at a lower interest rate, or stay where I am and pay a little more per month to accelerate pay off?Thanks,...
Where can I get the cheapest rate for a new home mortgage?
I have a home in mind, $220,000ish in mind. I have about 20-25k flexible down payment available with some savings after that. I've had no debt, still using the same car my parents gave me in high school...
I have a middle FICO credit score of 671, what are some rates I can get ...
The home in question is valued at 260k. Currently I have a savings of 50k and a couple lines of credit (2 cards and a car payment). I make around 65-70k a year, of which around 1.4-1.5k a month is towar...
Can I refinance my home loan for a better rate?
Currently I have a home at a 4.75% rate, credit score of 780 and no bad mortgage payments. Would I be able to refinance to a cheaper rate without buying points, or would I just be spending roughly the s...
Interested in an FHA home loan, do I qualify with a credit score of 747?
I have a home in mind worth roughly 225k. I've been employed for 3 years with no debt besides a car payment of 350 a monthy. Currently make around 4.5k a month take home and have a great payment history...
Refinance out of an ARM into a 30 year FRM
I refinanced into an ARM 4 years ago and wanted to refinance into a 30-year FRM to take advantage of the steadily low rates. I've never been late on a mortgage payment and the LTV right now is 65-70%. I...
Looking to purchase home in Fort Worth with 20% down
Okay, so from what I can tell, I do not need PMI if I put 20% down and I can get a better rate with that much down. Should I pay as much in points as possible in order to get the best rate or are there ...
What is PMI and what options are there to deal with it?
I'm looking to buy a home and I think I understand PMI, private mortgage insurance, but what does it actually do? Is it safety precaution for the lender's investment? Also, if the home I'm looking at is...
686 Credit Score, need to refinance my home loan
Currently I'm at a 7.25% rate from a 30 year FRM, currently at a mortgatge balance of 110k of a 245k home. I make roughly 55k a year. What are some possible rates I could look for?
Spouse eligible for FHA loan?
I purchased a home under an FHA loan in 2002 and got married in 2008. In 2010 the house went into foreclosure but I was able to sell it to avoid the foreclosure. Now I am getting a divorce and would lik...
Albuquerque, NM - Dec 7th 2011
6 answers
- Latest answer by
Pam Schubert - VA certified loan specialist
Dec 8th 2011
inheritance of a home
my mother inlaw died she owned a home at the time.. i am married to 1 of her sons if they sell the house do i have to sign off on the home also or it is an inheritance and the home is awarded 2 both son...
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