Credit score 699, can I get a 4.25% rate on a refi?
Hello,Based on this information, you would qualify. Our Bank is the oldest Community Bank in the country and the largest Independent Bank in Rhode Island. We conduct business nationwide and would love to help you out. Please give me a call at 800-475-2265 ext. 8285 or email [email protected]

could i get a good FHA rate?
Yes. There is an adjustment to rate based on credit score but the rate today would still be in the low 4's for a 30 yr fixed rate.

Can I finance a mobile home through FHA
You cannot finance a mobile home through FHA if it is on leased land.

what would get my application denied in underwriting?
The Bank is required to give you notice as to why your loan was denied.

Not sure if i qualify for harp - hopefully someone will know
Hello,You can google Freddie Mac Look Up Tool and the website will come up. You input the information required and it will tell you if you qualify for HARP. You can also contact me at 800-475-2265 ext 4880 and I can look it up for you. Rates are very low right now. Love to help, give me a call. Thank youScott...

late rent payments affect mortgage?
All loans, regardless or program, get run through an automated underwriting system. If your loan receives an approval, you do not need a Verification of Rent. Based on the information provided, I do not think you will need to worry but it is always best to pick a Bank/Lender and have them...

Can you refinance loan from husband into wifes name if she has no job. Rhode Island
A verifiable source of income is required on all loans. Income can come from other sources beside W2 income. Examples would be Social Security, Alimony, Child Support, Investment Income, etc... The question all Banks and Lenders are going to ask is, how will she pay for the mortgage?

my refinance loan denied because of the bylaws
If the by laws are an issue you probably have what is called a "non-warrantable" condominium. Our Bank will finance these projects but need addition information. If you are interested in seeing what our bank an offer please call me.Scott Haggerty 401-935-1190