Potential septic tank issue prior to closing?

Our property is 35 years old with an old cement septic tank buried 3 feet under which has no modern clean out system. We have an idea exactly where it is but we haven’t encountered any problems in the...

Loan application after changing jobs

I have worked in sales for the past decade with no gaps in income but no employment. I am more stable than someone who bounces from job to job every 6 months yet I can’t get a loan since I changed job...

EXPLANATION OF NO MORTGAGE OWED ON PROPERTY. CASH PURCHASE

Cash out refinance for a lower rate

I was hoping to do a cash out refinance for a lower interest rate and consolidate a higher interest rate personal loan. Do lenders look at your current DTI or your future DTI with the refinance?

Need help with HELOC loan

I need advice on a HELOC loan. I have a BK discharged 3 years ago going on 4 years this June. My scores are 700s depending on the model used and I have had no credit issues since my BK. I have a student...

I really need a conventional loan but only have 606 credit score. Is thi...

Can we exclude a repossession as a liability

We are Offering best Global Financial Service rendered to the general pu...

Proof of income for home loan

How can I get proof of income for a home loan? What are my options if I don’t have any proof of income or home address? Can I submit a copy of my most recent tax returns or provide tax transcripts fro...

How to improve credit scores?

My goal is to boost my FICO scores to qualify for a loan. FICO 5, 4, and 2 are currently 589 EQ, 534 TU, 556 EX and based on MyFICO FICO 8 is currently 604 EQ, 618 TU, 587 EX. I made some mistakes a few...

Is a USDA loan the best choice in our case?

I have a bankruptcy discharged on June 15, 2018 and I sold my home in Indiana last July 10 2020 and moved to Detroit. I have been renting for a year as I adjust to living in a new city. I have started l...

Do I qualify for a USDA loan?

I earn $70k a year in my current job but I have only been here for 4 months since I got laid off due to the pandemic. I’ve had 4 employers in the past 5 years with higher salaries each time with the s...

Concern with real estate prices going up

I noticed that real estate prices have skyrocketed once more and my loan to value is around 54%, isn’t this too low? Am I looking at it the right way that if the market tanks by 25% I can still sell o...

FHA loan for duplex investment?

Me and my best friend are planning to purchase a duplex as an investment property. My current home is on an FHA loan while my friend rents a pad. Can we finance a new FHA loan since I already have one?

Denied consideration of income due to family business

I am working to get pre approval for a loan, and wanting to consider both my income and my wife's income. We are moving to another state and her new job is for a business owned by her family. She has no...