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Michael Opheim's Answers

How do I get back into my old home?
Amber,Contact a local attorney to answer this question. The attorney will need to see copies of the note, mortgage and the quit claim in order to advise you.
Credit Score: 765, Debt-to-Income: 35% --> worth lowering by 3%?
Your debt to income ratio is fine (current conventional underwriting guidelines call for a total debt to income ratio of no more than 45%). You will need cash after you buy your home for all the trips to the home improvement stores for lawnmowers, hoses, edgers, etc.. There are many loan programs...
I want to purchase a free standing building for a church. What type of loan do I need to apply for?
Jennifer, I do church financing and will some details from you to proceed. Items would include: annual giving, church affiliation, number of members, etc.... Please call me at 920-948-9886 (Mobile) or 920-933-2075 (Office) - Thanks - Michael - Senior Partner, Midwest Commercial Capital, Fond du Lac,...

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