Applying for a loan when married
How does applying for a loan when married work? Let’s say one spouse has income and the other has none? Can I have only one name on the title or loan? TIA
Should I let one house go?
I need help regarding my situation. I currently own 2 houses, one is worth 150 thousand less than what I bought the other house is worth about 10 thousand less than what it’s worth. I would like to ke...
Giving a tip for our title closer
Is it customary to "tip" the title closer as suggested by my attorney? If so, how much? We are here in Long Island and the loan we got amounted to $650k. Aren't title closers working as an employee for ...
Lender asking for boyfriend info for mortgage
Hello, I recently got approved for a mortgage and my lender told me that FHA requires a household to be on the application. I'm just trying to see if that's true or is only one person can apply for the ...
Looking for a loan for physicians
I just graduated from med school a few months ago and I was wondering if I can apply for a mortgage. Student loans are quite high but I have enough for a low downpayment. What options do I have? Are the...
Can I work with multiple lenders?
This is my first time buying a property and I have been in touch with a few lenders who are helping me with pre-approval. What DTI should I have to get a higher loan amount? I want to get an FHA loan wi...
What type of loan should I get?
I live in Knoxville, TN and I’ve come across a triplex deal that’s hard to resist. The property needs at least a $50k rehab and I’m ok with taking it down and managing it. I have $40k in the bank ...
Wary about occupancy fraud
Is it true that you can get a 2nd home mortgage with 10% down and can use the property and convert it to AirBnB? What if your loan requires that you must occupy your home for at least a year? It seems t...
What are the best loan options for me?
This is going to be my third house and it’s a townhouse in Brooklyn. My budget is between $1.5M to $2M for a one to two-unit home. I plan to rent out my primary home and buy a bigger house since our f...
Are bank statement loans legit?
I have been part of the gig economy since the pandemic started and I was wondering if I can still apply for a loan. I have no W2s the past two years and my income is good but not the same amount every m...
Can someone restructure my VA loan?
Hi, I’d like to ask if someone can restructure my VA loan without my signature? My ex wife doesn’t want to refinance to get me out of the mortgage. The home hasn’t been my residence the past 8 yea...
HELOC on a cash out refinance loan?
I have a question, can you do a HELOC on a Cash-Out Refinance Mortgage? Once tax season ends, I’m going to add a 3rd investment property to my portfolio this 2022. I did a cash-out refinance last 2021...
Question with my VA loan
Hello everyone I have a question regarding VA loans. If a vet uses a zero down payment to purchase a house and the house doesn’t appraise for the loan amount, can they come in with cash to cover the d...
Paying 2 mortgage while trying to sell
I have a question for those paying 2 mortgages while trying to sell. Can you deduct interest on your taxes from two homes if you’re paying the mortgage on both properties?
Getting an FHA without money in my account
I have plans on taking out an FHA loan because I couldn’t afford the usual 20% down payment. I have everything in line excluding the fact that it will take me several weeks to get the $4k that I need ...
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