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Brian Paris's Answers

When are brokers required to release GFE and TIL
Send me your info, if you qualify for HARP I can have it done by the end of the month. I can send you a GFE today. My email is and my cell is 925-698-1114. You should have all the paperwork already and yes we can run concurrently with your broker so you don't need to cancel the progress he has...
How can I calculate if I can get pre approve letter for the second house.
I'm down in the Bay Area and help people all the time with investment homes. Call me and I can see if you qualify without too much hassle. 925-698-1114
Can a bank cancel a loan almost 60 days after closing?
Have them correct the rate and sign it. This is common, a lender will sell your loan to a servicer and if the servicer finds something unusual or incorrect they will ask the initial lender to have it corrected. This is all they are doing. They cannot cancel the loan. If you don't sign it they may be forced...
Mortgage after bankruptcy, no reaffirmation, stay & pay situation
You need to go back to your atty and reaffirm the debt with wells and get it approved by the court. After that you will be able to do a refinance conv or streamline.
What's the best loan for a first time homebuyer?
I can do 3% down conventional loan with no upfront mortgage insurance. Youe other options would be VA if you are a qualified VET or in a USDA zone. FHA you can get in with 3.5% down. Give me a call I can help you.Thanks,Brian
we had a foreclosure 12/8/2012. we want to buy a house now. Is it possible to go with a conventional loan?
Yes you can! Give me a call and I will assist you. You can also reach me at bparis@mhmb.comThanks!Brian
If I remodeled my home recently, is it a good idea to refinance?
If the remodel increases your homes value therefore meeting or exceeding the 80% LTV (Loan to Value) threshold or even getting you better than lets say 60% LTV you will be able to get a better rate than if you were above 80 % LTV. So yes it is a good idea in that sense. Make sure you let the appraiser know of all...
Does the FHA offer a jumbo loan program?
It all depends on your county and how many units 1-4. You can look it up directly at:
How can I refi an investment property with less than 20% LTV?
I can help you with the HARP loan, shoot me an emial or a phone call and I will get you a quote.Thanks,Brian 877-990-HARP
Can a renter in Los Angeles CA buy a home in Fresno, Ca with less than 20% down. Parents would live there rent free.
Yes! Absolutely. As a co-borrower you can get in with as little as 3.5% down. We have local offices in the area. If you need help feel free to call or email me.Thanks,Brian
Can I get a HARP refinance if I have a HELOC?
Yes you can! give me a call 1-877-990-HARP (4277)
I'm interested in taking out a mortgage on an existing home that has no mortgage.
Hi Steve,We have several products that will fit your scenario, with the best rates and pricing available in California. Give me a call or shoot me an email. bparis@mhmb.comWe have local offices in your area.Thanks,Brian
my current interest rate is 5.5 percent. My mortgage balance is 59.000 can I refinance to a lower rate?
Yes you can. Give me a call we have some of the lowest rates and fees in california! 877-990-4277We can also have you close quicker than anyone else!Thanks,Brian
Unicorns was the correct answer. Thanks
Is a clear pest report required? Can the buyer pay for it? What things are required of the seller to pay for?
For most loans its only required if its on the contract. However VA requires a clear pest report regardless. There are some fees that are not allowable to the VA buyer.
Need a VA Loan soon and am wanting to boost my score. Should i pay down credit cards to 30% or 20%
Hey Steve, Yes paying down your cards to 30% or less will maximize your FICO score. If you have any other questions feel free to reach out to me directly 925-698-1114.

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