I'm looking to get qualified for a stated income loan in Nevada (using o...
Our household income is over $170,000 annually, but the mortgage would be in my name only.
Can my wife's bad credit hurt our mortgage rates?
My wife's credit is not the best, and we're looking to get our first home together after renting an apartment for years. Does she have to be on the mortgage, and if so will that affect our rates? My cre...
Refinancing a second home which is leased
I currently own a home that was purchased as my primary home in 2006 with a 6.85 interest only on the first mortgage and an equity line of credit with interest only and it is a Fannie Mae loan. I had ...
Can we get an FHA loan immediately?
My wife and I are underwater with our mortgage and have tried everything in order to refinance. We do not have a Freddie or Fannie loan so we do not qualify for HARP. We do have a bankruptcy which was d...
Underwater on a non-FM loan
I have a non-Freddie/Fannie mortgage, bought the home with 20% down in 06, and now am about 20k underwater. Currently at a 6.125% rate. No financial difficulties, great credit (792), just would love to ...
Multiple mortgages, can I get two more?
I currently have 4 mortgages and I was wondering if there's a limit or a negative feedback effect with borrowers with multiple mortgages. I'm at 789 credit, haven't been late on any, and one is close to...
I have an ARM that keeps resetting
Currently I have 534,00 still left on my home loan, but I know I am underwater. I have been paying this for five year and have never been late on a payment. Because of my income to debt ratio, my credit...
Bare necessary information needed for refinance
Are there any mortgage refinancing options based only on one year of tax returns? If not, what is the bare minimum necessary for a refinance on a mortgage, I wish to avoid showing some bad credit and ot...
Mortgage on a house fully paid
I recently bought a house for my son valued 137,000 with no mortgage, paid cash. I do have some other outstanding debt that I would like to pay off and perform some upgrades to the house. Can I take a m...
Any less than 20% programs for Jumbos?
Me and my husband live in San Diego county and are in a position to afford payments on a jumbo loan. However, our current house is underwater more than $200k, we've lost the majority of the downpayment ...
What are the stipulations on loans after bankruptcy?
It's been about two years since my house was foreclosed on and bankruptcy was discharged earlier this year. I have a solid income and can put a sizable down payment on a house. What are the rules with m...
Retiree looking for home loan
I am a retiree with a $40,000 yearly fixed income, a car payment of $217 a month, no other bills. I was forced to retire, filed bankruptcy and discharded on August 25 of 2010. My FICO is 647/679/691. Ca...
i have a mortgage and HELOC with the same CU. is it possible to refinan...
i have a morgage and HELOC, both with the same CU. the morgtage was used to purchase our house. a few years later we used the HELOC to purchase some additional property in another state. Since the HE...
less than 75 % LTV for investment property?
appraisal came in at $234,000.00 on a balance of $187000 for an investment/rental property. What is best way to refinance?
Can I avoid?
I owe 186K on my mortgage; original purchase price was $225,500; can I refinance with streamline program and avoid 1% UMIP and MIP need to use streamlin program...original appraisal was $208K
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