My wife wants to assume the loan for me

I am going through a divorce and my wife wants to assume the loan from me. My divorce lawyer doesn't know much about mortgages and says that the loan is not assumeable. Will she be able to assume the lo...

Will lender consider my plan as DTI?

I purchased a single family home in 2021 and is my primary home. I plan to have it rented and buy another primary home. If ever I close a deal with a tenant will my underwriter consider the rental incom...

Va loan is in my name, wife was on title..Can she be added to the loan?

Live work loan

We paid cash for an old 2 story factory with basement last January. We have been renovating the top floor to be our home and will eventually make the main floor a wellness studio. The basement will not ...

2 years not employed and applying for a loan

I am a home maker and I've been without employment for about two years now. I plan to use a DSCR loan to invest in a multi family unit. I have 640 credit score. What type of loan should I apply for? How...

Lender hesitant to provide a break down of payments

Hi, first time homebuyer here. I recently had my offer accepted and I asked my lender to show me a break down of payments. He got bothered by my request and told me buyers don't usually ask for that stu...

I am looking at home equity loans

Hi, I am currently looking at home equity loans. My second home's mortgage is paid off and I plan to buy a 3rd property and do some renovations on my primary home. I bought my primary home a year ago a...

Are there down payment assistance programs in Georgia?

I am buying my first home and I am getting a USDA loan. I need down payment assistance and was wondering what’s available here in Georgia. Is an FHA loan a better option than USDA? I prefer 0% downpay...

Will co-signing on a lease affect mortgage application?

I will co-sign an apartment lease for my mom. I also plan to get a mortgage soon for my family. Will co-signing affect my chances of getting approved? How long after signing a lease should I apply?

Plan to buy a 3rd home

I’m considering home equity loans at the moment. My 2nd house’s mortgage is paid off and I want to buy a 3rd home while doing some remodeling on my first home. I bought my primary home last June and...

Trying to defer a mortgage payment

I’m trying to defer 1 mortgage payment while having 6 years of on-time payments. My lender is giving me a hard time with this. Should I give up or continue with my request? Are there any consequences ...

We got denied on out loan application, should we try again?

My partner and I got denied on our loan application due to DTI I suppose. We applied for a $365k home. My partner made $110k last year. We have a joint account and can put down up to $50k. Credit scores...

What is the best rate I can get?

Hi, everyone. I have 830 plus FICO scores, no debts, and $150k in the bank. Want to take out a loan for a $750k single-family home in our neighborhood in Colorado. What is the best rate I can get given ...

Looking for a lender

Hi, I want to find the best lender for my situation, not sure what direction to take. I am self employed and don't have the necessary documents to apply for a traditional loan. Hard money loans are too ...

Transferred mortgage

Has anyone had their mortgage transferred? I have no idea why this happened. I just got a notice the other day and it says that everything stays the same only thing changed is the servicing company. Do ...