Here is my question pmi?

what is the cost of pmi based on? Is it based on how close you are loan to value< or is it based on the total amount owed? i refinanced in 06 my house was worth 205,000 i refied 186,000 my pmi is about …

Does anyone know of an Illinois Smartmove Lender?

Was wondering if there are any lenders who can do the illinois smart move program in conjuction with an FHA around the Chicago NW subburb area for around 100k?

Would I be able to purchase a home / get a loan in my business name?

Would I be able to purchase a home / get a loan in my business name?

Would e be able to do cash-out using no LTV limit of HARP2?

If so how much can we pull out of the house? We are in need of $25000 loan and our home is valued at 320K, and we owe about 310K. PLease help.

Is there seasoning issues on pulling equity out of a commercial property…

Does the new program coming in March will help with loans that owned by …

My loan owned by private investor called ( bank of new York Mellon Na ) will the new program coming in March help people like us ???

Can we get into a Home Loan with credit score of 612?

My wife does not work and my income is $48,000/year, but we can put 10% down on a 250k loan. The question is weather my credit will cause a ding in our rate? Can you tell me?

Before HARP2.0, what is the highest LTV I can get a Refinance for?

If I cannot get it, should I miss the payment or do I need the payments to be ontime for HARP2?

Information on a Reverse Mortage

I heard if NFC wins in super bowl it is better for mortgage rates and ec…

Is that true? Are we gonna have a good year in econmy?

10% down on $600K without jumbo??

We are deciding whether we could rent our current house out and buy a new house or if we will need to sell our curent house to get the money toward our down payment on our next home. We currently owe $…

Does Harp 2 have a special application to fill out?

Or is it like any other loan? What to we need to qualify? If we have had loan modification can we still do it?

How can I help my chances of selling?

I am ready to sell a nice 7 year old home. I have been told that it is better for buyers to obtain a loan using mortgage brokers rather than banks and I would like to know is there any way as a seller …

Do you foresee rates going lower on 5-1 ARM or should we refi now?

I am thinking the rates wilkl continue to stay low. Even half a point would be good. Do you think there is room for more slide on 5-1 arm or this is it? I want to catch it at lowest for our refi.

Freddie "open access"

Hi Rob,Do you guys have open access lenders for Freddie Mac refinance?

Freddie "open access"

Hi Rob,Do you guys have open access lenders for Freddie Mac refinance?

Want to refi but don't qualify for HARP & don't have 80% LTV

Been trying to combine our primary and HELOC (which we took on to avoid PMI when we first bought our home) but keep getting denials from a number of mtg brokers & banks. Our FICO scores are 790 and 800.…

How to sell my deceased fathers home in Oklahoma when "as in condition" …

I am a 30 year veteran and have been presented with a contract offer on my deceased fathers' home in Lawton OK. We have lowered the price by $10,000 because we were informed by a foundation compa…

Here is my I do not owe anything on my home,but there was no where to p…

Am I able to do a HARP 2 refinance with my status?

I have a loan that was taken out back on Jan/2009 and when I checked with Fannie Mae site it seems they own it. I've never missed a payment and current on my load. 1 year after I got my loan I w…

Are there still brokers out there? My realtor is recommending a broker.

Is it not better to go direct with the bank? I thought brokers were squeezed out, but my realtor is recommending me get qualified for my loan thru a broker. Do u think he is getting a kick-back? Plea…

I am wanting to add an addition to my house and then refinance so everyt…

The addition prices out at $25,000. My residence is appraised at $155,00 with a remaining balance of $131,000. I have seen an FHA Title 1 home improvement loan but I don't know if that is my best o…

Porting a mortgage over

hi my boyfriend and I are looking at buying a house. only problem is that he owns a house already its listed for 249000 and it he owes 233000 but it is a free down mortgage so between penilties and real…

Is credit score of 719 as good as 720?

I know 720 credit is gold and gets you best rates. Is 719 the same? or does it have to be 720 and above?

How can I get the seller to pay for some of the costs?

Is there any technique I can use to get my seller to help with the closing costs? PLease help me, any penny counts and I know there are ways in doing that.

Why are vaiable rates lower than fixed rates in general?

Should we go for variable if we are eventually selling this house and moving? Why would I pay the extra percentage in rates?

VA qualify if I enlist?

If I enlist in the army can we take advantage of a va loan or I have to have served already? What is the qualification?

what is interest rate on va loan

No Cost Refinance.

When comparing "no cost" deals what exactly should i look for? Are there fine prints I should know about? Would comparing actual rates suffice? Any help is appreciated.

is 620 fico the lowest possible for a good rate?

If so, how much do the rates increase for lower credit scores. For example what if my score is below 600?

Can I refinance after Bankruptcy?

I filed bankruptcy bank in Feb 2010 and "supposedly" re-affirned" my home. However, papers weren't signed, so all the payments I have made since them have not been "helping" my credit score. I make $…

Would we qualify for a new construction loan?

My husband and I have a combined annual income of $148,000. My credit score is 657 and his is 678. We are interested in building a house on our land that will cost about $225,000. We have $20,000 to …

Unemployed,current on mortgage. we want to re-fi.

my husband and i are now both unemployed. we are current on our 15 year - $2,500 a month mortgage. we want to re-fi. our current lender and 3 other banks would not help us last year when one of us had a…

Construction loan and existing mortgage.

We want to build a new home on our property. The existing home on our property is our primary residence and we have a mortgage on this house. This current home doesn't have a basement and it cannot be l…

When to apply for a VA loan

My husband is active duty USMC and maybe medical retired at some point this year. We are waiting on the med board decision. He would be out of the service as of August 2012 if he is not discharged medic…

How fast can we expect to close?

If we have already found the property and have all of our docs in place, can we expect to close a purchase loan in less than a month? Can we be in our new home by March 1. I have heard that lenders ar…

Looking for a lender

Corporation has owner occupied Commercial Bldg in southeast Houston 77011 . No mortgage on bldg at present Looking for a mortgage of approx 100k to be used for upgrading equipment and purchasing inv…

Looking for a lender

Corporation has owner occupied Commercial Bldg in southeast Houston 77011 . No mortgage on bldg at present Looking for a mortgage of approx 100k to be used for upgrading equipment and purchasing inv…

I have a loan on a condo, in good standing, that I purchased as a single…

Why cant I have 2 conventional loans?

I have a conventional loan I'm attempting to relocate and obtain a new owner occupied home. I was told i couldn't have another conventional loan. Why is that? All of the places I can afford wi…

Bankruptcy of husband, our divorce and our house mortgage

My husband is filing bankruptcy, and we have also filed for divorce. He is giving me the house to keep for me and the kids through the divorce. Is our house protected from his creditos? Or should I r…

Second Mortgage or Home Equity Loan Info

I am looking into a 2nd mortgage on my home in Texas. The loan is to pay off higher interest credit cards, approx amount is $23,000.My home is worth 115,000 I owe 50,000. The house is up for sale since …

What proof do I need to show IRS that I am responsible for making mortga…

My husband and I purchased a home in 2005. His name was on the loan as my credit at the time wasn't what it is now. He died unexpectedly in 2006, intestate, and I was left making the mortgage paym…

Hi my name is Lisa and I live in GA. I want to buy a home for my family.…

multi-family or 2 condos?

my niece and I want to purchase a multi-family property together, but we are having a difficulty time finding the right property. Can we do the same thing if we want to purchase two condo together. What…

How many percentage points should lower your rate be for a refinance to …

I was just wondering how little or much would make sense in terms of just the rate? Does 1/2 a point make sense?

What are requirements for HARP 2?

Only to be current with mortgage for the last 6 months? There is no LTV requirements? How far can we be upside down? We bought our house in 2005 at the peak, I think we are $150K upside down, but no …

Can I get a mortgage after starting a new job?

I have been employed at my current job for 4 years. I just graduated a month ago with an Associates in IT/Networking and now have the opportunity to start a new job with double the income. The new job…

can i get a home loan after a forcloseure

i file bankrupcy in 2008, but my lender never forclosed on the home untill 2010. i have a credit score of 675 can i get a home loan now if my caviers wont clear?

is it possible for a low credit score(560) to get a mtg with five years …

i have been renting for 5 years now with no late rental payments and receipts to back that up, but due to divorce i have a low credit score and want to buy a house, is it possible