Is it hard to get approved?

Anyone finding that the banks are tightening their reins? We were approved for a loan 3 months ago but now are needing our ratio to be below 36% our FICO score is in the high 700's. I'm wondering if i...

Underwater 1st home - Buying another

Our current home in socal is 200k underwater. Family has grown and we need a larger home. We plan to buy another home as primary residence, in pretty much same community we live in as the schools are ph...

CAN I STILL QIULIFY FOR FIRST TIME HOME BUYER EVEN IF IT IS A RENT TO OWN

Applying for a mortgage through credit union

If I apply for a mortgage at the credit union where I do my primary banking, can their loan application people look at my banking history with them, or only at the documents I submit with my application...

Who offers non-Fannie Mae loans?

We are under contract for a condo built in 1999, which has 3 ground floor commercial units below 13 residential units. We are having a hard time finding a lender who will underwrite the loan because the...

I want FHA203K in rural Oklahoma, can any lender qualify if already 203K...

Purchasing a 4 plex, two seperate structures (so, two Duplexes side by side). My residence will be one of the units. FICO is 687 and I have steady income that more than meets the Note on a 104K sale. Un...

Refinance primary residence defintion

Trying to reifnance. Moved from NYC to DC for a new job but have an apartment in NYC that i am trying to refinance the bank is forcing me to list this as investor because it is rented out. I am don't ow...

Refinancing invesment properties?

My relative has a few investment properties they own out right. They wanted to do cash-out refinance to invest in more properties but the bank told them they can't refinance investment properties at thi...

can you deny a home equity loan without a loan application or credit rep...

A home that is free and clear used as collateral. The asking amount is 1/3 the value of the home. Can you deny this loan without a loan application or credit report?

Qualifying for mortgage after maternity leave

Our situation: husband employed for over a year at Fortune 500, stable work history over 3 years but we cannot get a mortgage (need about $500k) on his job alone. I had stable work history for over 4 y...

Can I do an FHA Streamline on an existing FHA Streamline Mortgage?

Has anything changed recently with FHA Streamline requirements where I can use the Streamline process again on my existing FHA loan? My existing mortgage was refinanced over 2.5 years ago through the F...

Refinancing a USDA Mortgage

My husband and I are considering refinancing our mortgage to take advantage of the low rates. We currently have a USDA Mortgage. When we originally took the loan we barely fell within the income require...

Can I re-fi a home loan that is in someone elses name if my name is on t...

I am on the deed to my parents home. I want to refinance in my name. Currently it is in my mothers name. How would it work? I can afford the payments and want to take over this burden for them. Any sugg...

How do I qualify for a no-cost refinance?

I know that there can be hidden fees, back-end cost and more associated with refinancing. How does one qualify for a refinance that is truly no-cost. I have been in my house for almost 5 years. My inter...

I own my home free and clear. What loan is best for me?

I want to get a 10-15 yr $50,000 fixed rate loan to do home improvements. The current market value of my single family primary residence is $103,000. I was considering a home equity loan, but when I c...