Call Kelly Lacey @ 888.667.8456. Kelly should be able to assist you with this.

Hello Daniel. Freedom Mortgage is a Direct Lender and funds in all 50 states. We are experts in FHA, VA, & USDA. We fund the loans ourselves and should be able to issue you a loan same day. Please email me for a FREE quote. adennie@fmbranch.com. Thanks.

Seems to me like you should be able to get this done with an FHA loan.

Hey Daniel,Personally, I've never heard of that before. Who is your current lender? I would be more than happy helping you out with your refinance (if in MS or TN). Just let me know what you would like to do.Thank you!Doug Capps, Fairway Mortgage 662-429-5100 Ext. 105

I would agree that an FHA loan would be a good option here. They allow for this sort of thing, if you have enough equity, and you meet the rest of their guidelines.

Yes, he is full of "hot air." Septic tanks and propane tanks do not disqualify you from an FHA loan. You can cash out on an FHA loan up to 85% of the appraised value. As for the septic tank, you may have to have it tested to show that it is in proper operating condition - but that most likely will depend on your state's requirements as well as the lender. As for the propane tank, FHA states that "... [it] must be a safe distance from the dwelling. Leased tanks are acceptable when not offered for sale. Propane fired furnaces located in a crawl space area are not acceptable." So, you may want to find a different mortgage lender or broker.

many Lenders have many different guidelines and regulation that may prevent them form doing particular loans. the ability to to lend in all situation depends on how many investors they have purchasing thier loans. Sacramento wholesale Mortgage is able to fund loans such as what you discribe. Please call with any questions.Scott Williamson(916) 261-0499 or scottwmson@hotmail.com