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Bob Finch's Answers

can you refinance more than once?
Yes, you may refinance many times, but you will want to be very aware of how much the costs are each time and have your Mortgage Consultant show you how long it will take to recoup those costs with the savings you gain. If the time frame is longer than the time you plan to stay in your current home, then...
refinance this 1st fha loan to get rid of the 2nd interest only loan/ chase and lower mo.pymt to pay down mortgage
Hi Lindy,I'll need more details from you, but it sounds like we can refinance your 1st & 2nd with a new FHA loan. We can loan up to 97.75% of a new appraisal. Please give me a call at 503-951-3874 or email me at so we can go over the details.Have an Awesome Day,Bob
Who is responsible for closing costs on a home?
Hi Jeff,Typically the borrower is responsible for the closing costs, but quite often a seller will agree to pay at least a portion if not all of them. Your Realtor will help you in negotiating this. Different loan programs have different restrictions, but most will allow the seller to pay up to 6% of the...
What loan programs exist for teachers in WA?
Hello Niyah,We have several programs that you may qualify for. Down payment assistance programs as well as loans that do not require a down payment. Give me a call when you have a chance and we can go over your specific circumstances to see what would work best for you.Looking forward to hearing from...
what can i do with home equity line?
We can do a refinance to consolidate your 1st mortgage and the HELOC into one loan. Interest rates now are quite a bit lower than they were in 2005, so we may even be able to lower your combined monthly payment. Please call me at your earliest convenience so we can discuss your possible options. Thank You,...
are USDa loans available in Oregon outside of the greater portland area?
Yes, they most definitely are. Please give me a call to go over your particular scenario and we can determine if the property you're interested in is eligible.Thank You,
Will fannie mae accept credit scores below 600 with compensating factor
Hello Keiko - It's difficult to get a loan done with a 591 FICO, but I believe it'a possible. Also, we can work on getting your score up while we are working on the file. Please give me a call at 509-293-7600 or email me at if you need any further assistance.
should i refinance in this case
Yes, Samantha, Dan is absolutely correct. Rates are holding fairly well for the moment, but all indications show that rates will begin to rise this year and continue to do so for some time. Your plans for the next few years will definitely determine what's best for you. If you're going to be in your home for...

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