What is a conforming jumbo - had never heard of that before. Can someone help?
If you're still interested in refinancing give a me a call or email and I would love to help you out.

I received an inheretance of 60,000. What would happen if I use it to pay down my mortgage/
Your rate and payment will stay the same if you don't refinance your home. Give me a call and I can see if the numbers make sence to refinance.

4 plex free and clear,
I would need more information like credit score, owner occupied or non owner occupied and after filling out an application we would have a better idea if this can be done. The only guarantee would be to have an appraisal, coupled with all the information on a mortgage application, then I could put...

Is there such thing as a no cost refinance?
If your loan officer raises your rate then you can get your closing fees included in the mortgage. That way you won't have to pay any money out of your pocket except the appraisal fee and a credit report fee. Typically brokers won't charge you for a credit report though. If you would like me to get...

my credit score according to my lender is 633 very close to the 640 I need, how can I raise this within a day?
Hello,The fastest thing you can do is to use a lender that goes down to a 620 credit score and I can help you with that. If you need help improving your credit please send me an offline message. It's very detailed but you can get your scores up in 3 to 5 days.

Can I refinance my mortgage after bankruptcy?
Chapter 7 you're looking at 2 years after the discharge date and a Chapter 13 you're looking at 1 year after the filling date.

If my husband and I are retired can we get a mortgage on an investment property?
Yes you can as long as you have a down payment that is anywhere from 15% to 25% You can still use your S.S. as full documentation of income.If you'd like a quote feel free to email or call me anytime.

How do I refinance my mortgage?
First you need to go ahead and fill out a mortgage application which includes having your credit pulled and your financial information reviewed. After you've been approved the lender will order an appraisal to find out the true value of your property. After approximately 14 to 21 days your...

Is it possible to get a 'no-cost' refinance or is this a myth?
Hello Katarina,Yes, it is possible to get a no cost refinance. Every scenario is different. I would contact a local Mortgage Broker or Loan Officer and ask for 3 different loan scenarios, that way you can make an informed decision in regards to your mortgage. If you need any help feel free to contact me...

Wondering where to start I inherited my home so I own it with no loan I have a poor credit score help in WI
Contact me and I can see if I can help you.

Georgia - I make aprox 90, 000 yr. Have no money to put down. Where do I begin?
There are some programs out there that still do 100% financing. So depending on your situation you might qualify for one of them. I only lend in California so I would contact a local broker and go from there.

What does Unsecured credit card or an unsecured loan mean?
A secured credit card is when for example you put down $300 dollars and the bank gives you a credit card with a $300 dollar limit. A unsecured credit card just means that you qualified for a $300 credit card and you didn't have to put anything down. So if you qualify for unsecured debt you typically...

how long must a borrower wait if foreclosure process was started but payments were made to come out of foreclosure?
It depends on how it shows on your credit report. If a N.O.D. was filed then your were at least 90 days past due. But if your credit report shows 120 days or more or it says " Paid Foreclosure " then most banks will grade that as a foreclosure. In the scenario you would need to wait at least 3 years to get...

80% LTV on 4-unit investment properties
Brokers contact me so that you can fill out a brokers package and use my online pricing engine for easy qualification. [email protected] or [email protected] or call me at 949-610-3126. Let me help you and your customers complete their loans quickly and professionally.

could i go zero down for VA with a 620 credit score?>
Yes you can and brokers and LO's I go down to 600 for VA.

how much are lender fees usually?
My bank charges $999.00 and if I can be of any assistance please give me a call or email.

Will I be approved for another mortgage
It looks good but give me a call or email so that I can look over all your documents and go from there.Fannie Mae requires certain calculation for rental properties so it's not as easy as just using 75% unless you just bought the home this year. Then you wouldn't be able to use tax returns for that certain...

Any lender out there that will do HELOC's for correspondent/wholesale, without wanting to take over the 1st mortgage?????
Hello,Try Comerica bank as they only do 2nd TD and HELOC's. If you ever need help with your first mortgage please give me a call or an email. Have a great day.

if i have an h1-b (workers) visa am i able to get a mortgage
I know a great broker in WY that I can refer you to. You will most likely need 2 years of income history but the visa that you have will allow you to get a mortgage. There are other items that you'll need to provide but this is posible. Call or email me if you need any assistance.

Can I get a first time buyer loan for 5% or less down on a property that is not my primary, not a rental and not a vacation home?
Hello Thomas,If you're GF's foreclosure was 3 years ago she might be able to qualify for an FHA loan. I can go as low 580 and FHA will allow a gift for the down payment. You would be looking at 3.5% down as a minimum.John posted on here earlier and he hit the nail right on the head with home being being put into 3...