Can we pay of mortgage from our savings?

My husband recently passed due to COVID-19 and I am looking to sell our current home to move to a smaller apartment that we can afford. Selling won’t get as much than we owe on the mortgage and we’d...

Applying for a loan with 500 credit score

I have been renting for the past 5 years and I would like to buy my own home to have something I can leave for my children. There’s a $150k apartment on the market but my problem is my credit score is...

Second closing payment?

My son just bought a new studio apartment and he was surprised when his lender asked him for an additional $15k for a second closing. This is the first time we heard about this and we want to know if th...

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Best loan for retirement home

I have an e-commerce business that has been doing well for the past 6 years. My family and I are looking to purchase an amazing beachfront home where we also want to retire. The home costs a million dol...

Applying for a loan after forbearance

I got into COVID forbearance at the start of the pandemic since my income was not stable during that time. I just sold my home and paid for the mortgage in full. I want to know if I can apply for a new ...

How to get the lowest rates

My wife and I are planning to buy a retirement home where we can spend our time close to the beach. We want to know how we can get the lowest fees possible on closing costs? Do we lock at interest rate...

First time loan application

My online business is booming since the pandemic started and I want to invest in multi-unit homes in Texas. This would be my first time applying for a loan and I want to know how I could get the lowest ...

How do forbearance plans work?

I am worried about my income sources during this pandemic and I might not be able to make mortgage payments. Will I get foreclosed if I lost my job due to COVID-19? My current loan is backed up by Fanni...

What to do with extra money from house sale

We purchased a condo last June and financed it before selling our existing home. The sale went for $1.25M and the new condo we bought was close to $1.2M. Our mortgage amounted to $900k with a low rate ...

Do I refinance?

My husband and I have a first and second mortgage on our home. We owe around $42,000 on the first and will be paid off in 4 years at a 5.25% interest rate. The second loan has $28k left with an 8.25% in...

Over credited lender credits

I closed on a mortgage refinance and I was surprised to get an email from my mortgage broker stating that I was over-credited lender credits by a few hundred dollars than the actual costs and they are n...

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Is it time to refinance?

With mortgage rates at an all-time low, I am thinking about refinancing my loan. Although rates have gone up slightly in the past few weeks, they are still pretty low compared to pre-pandemic rates. I b...

Do I Qualify for a USDA loan?

A first-time homebuyer with a new home project in the Austin area. The purchase price of the home is $200k and I can afford to put a down of 10%. I want to apply for a USDA loan since the land is in a r...