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Wendy St Julien's Answers

Tax Lien and a Mortgage
After 7 years this debt becomes what is called Zombie debt. You can petition to have it removed from your credit report due to to it being 13 years old.Wendy
How can i get my FICO moved from 605 to 620?
Making sure that your revolving credit balances are below 50% will help your score. Keep in mind that disputing any credit information while you are applying for a home loan will create a problem with the automated Direct Underwrite results.Wendy
Are there income limits for an FHA 203K Loan?
There are no income limits. There are loan limits. They are based on the area you live in. You can look it up on the HUD website. The link is
I need to find an FHA loan in Seattle WA area. My credit report has several errors on it that need to be corrected. My mid score is now 598, but should improve with the corrections. Is there a loan company that can help me with this and are there any FHA loans in the area that finance with a score below 640?
Hello,Yes, there is a lender that will go down to a 580 score, and the interest rates reflect it. We can help with credit repair also. Please call if we can be of any service to you.Respectfully,Wendy St. JulienSt. Julien Home Loans6140 Capitol Blvd SE Suite DTumwater, WA 98501360-352-2101360-352-7303...
Mortgage with 3 different employeed residents.
In answer to your last question regarding the quit claim. Taking him off of the title will create a "taxable event". I believe at that time you would need to pay excise tax on the remaining balance. Please check this out as it could result in an additional expense I am sure you were not expecting,...
Freddie "open access"
Hi Mike,Yes we do! Loan amounts under $417,000.00 that currently do not have mortgage insurance. There are also some new program changes coming April 1st of this year.Wendy St. JulienSt Julien Home Loans6140 Capitol Blvd SE Suite DTumwater, WA 98501360-352-2101360-352-7303 fax
using 401k to qualify for fha mortgage
Ashford, WA qualifies for USDA 0% down. Please give a call and I can help. Wendy 360-352-2101
what is you name
Wendy St Julien 360-280-5986

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