How to qualify and get the best deal?
How can I find the best mortgage lender to buy my first home? I live in a competitive real estate market and I'm worried about being able to afford a house. I've heard that some lenders offer better rat...
Is it a good idea to buy down rates?
My dream is to buy a home in CA, but the market is very competitive. I am a single parent with an income of $100k a year. I have low DTI, and credit is 710 to 720. I have enough for a 20% down so I can ...
Green card holder applying for a loan
Looking to purchase a duplex that costs around $550k to $660k. We would stay in the other half and rent out the other for around $1800 a month. Our income goes up and down through the year, but the mini...
Applying for a construction loan, how do we compare rates?
We bought the land back in 2019 with a loan and have equity in it. Our house plans are done, and we plan to apply for a loan to build. How can we compare rates from bank to bank? Lender to lender? Do we...
Applied for an FHA but had to quit my job
I applied for an FHA, but I had to quit my job due to sickness. My elderly mom volunteered to be on the loan, but she has no credit due to a lack of credit cards and much debt. We added her to my husban...
Chances to buy a townhouse??
I plan to buy a townhome priced at $230,000 with an HOA of $300. I got pre-approval for a conventional loan. I have $60k saved up to put down and pay closing costs. I still have $20k of student loans I ...
Newbie with loans and confused on requirements
My husband and I are buying a mobile home and a piece of land. This is our first time so we don't really know how this works. We can get $10k from my husbands 401k to use as a down payment. I don't thi...
Can I qualify for a loan? What do I need to do?
I want to become a homeowner badly but I don't know if I qualify. Do I need a co-signer? My only debt is an auto loan and a credit card. I pay $450 a month on my car loan. I make $20 an hour but the ...
First time home buyer with concerns
Hi, This is my first time applying for a loan and I have a few questions. Does a 100% payment history and constantly lowering debt count as something when trying to apply for a mortgage? My credit sc...
Should I get another job before applying for a mortgage?
Hi, I make around $55k a year and get $4500 in child support. I have no debts right now so I think my chances are good. I want to get approved for a $400k loan, is this possible? How much do I need t...
Can I get my escrow money back?
I need some advice. I was ready to close on a property yesterday but the title company sent me a declination since the seller didn't provide the documents they were requesting. The problem is, the sel...
Is a loan possible with our credentials?
I am self employed since 2020. Tax returns show a large amount of deductions but no loss. I can prove through monthly deposits that my income is growing everytime. My wife is a W2 employee and has th...
What are my options? I'm buying an investment property
I'm looking to buy a rental property and I am weighing my options. I moved to the US last Jan 2022. I work for the same company for the past 18 years. I applied for a loan in May of 2022 and I have qu...
Buying a new home but worried since it has asbestos sidings
I am looking at a property with potential and was wondering if I can get a VA loan even if it has asbestos sidings? I have done an FHA loan with asbestos before but not a VA. The house is in great sha...
Rent or Sell?
Hi, I need advice on whether to rent or sell. We are looking for a new home just across the street from our current home for more space since the family is growing. We applied for a VA loan with a 10...
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