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Will It Be Possible for Us to Refinance with Another Lender?
Asked by A.W. from Austin
on March 15, 2010
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Can anyone tell me if it is possible to refinance a loan in which you are currently delinquent on? My husband and I got severely behind on our mortgage. We have tried ...
Answers
- Hi A. - Even in the old lenient days of lending, you couldnt easily refinance a past due mortgage. Other than the lender agreeing to modify your loan, I highly doubt ...
- I don;t know about the refinancing but you can force them to lok over your escrow again. There are legal limit--I think 2 months--that a bank can make you have as cus...
- I seriously doubt you can get a loan when you are behind in your mortgage. Sometimes, I'm sure I sound like a broken record because I suggest it so much but please go...
Excell Mortgage Broker or Lender Needed for Condo Invest from ARM to Fixed Rate
Asked by C.S. from Washington DC
on July 18, 2008
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Can anyone recommend a great mortgage broker or lender who may have some good packages in these rough times of lending. I have a condo investment that I bought 5 year...
Answers
- Felicity Dean has been wonderful. She has been helping us buy a house. It is nice to get updates as things happen instead of being kept in the dark. I don't understand...
- Hi C., I am currently a loan officer for SunTrust Mortgage. I have been doing this for quite a while and have seen some strange situations of which I have helped a...
- I love my mortgage broker, Rafael Villavicencio with Potomac Mortgage Capital in Herndon. His phone number is ###-###-#### ext 113. Or you can email him at ____@____.c...
Home Mortgage Lender
Asked by K.H. from Dallas
on March 11, 2011
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So my husband & I are in the process of trying to get preapproved for a home loan. Problem is, is that we don't have any "revolving" credit. We worked really hard to p...
Answers
- Though this may not sound logical, a credit score is based not on "can you pay the loan" but "have you paid your previous loans". High income and no debt still doesn'...
- Former mortgage lender and underwriter speaking: This could be REALLY hard! Though it's good that you have zero debt, BRAVO...sure wish I could say that! It's imp...
- What about finding a mortgage broker? If you know and TRUST any realtor you could ask them if they have any recommendations. Good luck!
Looking for Mortgage Lender / Broker
Asked by S. from Minneapolis
on November 7, 2005
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My husband, my 9 month old son, and I just moved to the area about four months ago. We are wanting to buy our first home in May or June.
I was wondering if any of you...
Answers
- C&C INC. - Crecida Odenore ###-###-#### She is the daughter of my neighbor. Really nice lady! good luck! - also her mom is selling her 6 bedroom house for 250!...
- We have used Randy Hoeschen at Associated Bank several times (a couple of refinances and a recent home purchase). He is honest, dependable, straight forward and will ...
- Hi S., Welcome to Minneapolis! I am in the mortgage lending business and i have also bought my first house 2 years ago so i hope i can help. my first suggestion wou...
Bad Credit, Can I Still Qualify for a Home Loan
Asked by A.C. from Los Angeles
on September 23, 2007
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My credit score is 552 is there a credible lender or real estate agency that would allow me to buy a foreclosing home with little or no money down?
Answers
- try contacting HUD (housing and urban development), they may be able to help you... with such a low fico score you should wait a while until you repair your credit... ...
- Hi A., Other things are also taken into consideration besides your credit score. If you call Scott Miller at Countrywide he could advise you. His direct number is #...
- Hello, I have a 2 Plex that we are selling in a great location in Long Beach, The unit is 2bedroom and 1bath (downstairs) and 2bed and 1bath (upstairs)...and large bac...
Home Loans
Asked by L.T. from Dallas
on January 6, 2010
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Hello...
We are wanting to purchase a home in the next few months. Our credit is not that great so we are not qualified for a normal loan but we are wanting to put d...
Answers
- If you are putting down half of the purchase price then you should be able to qualify for a "normal" loan. Even with the bad credit you shouldn't get stuck with a high...
- Contact Patty Farmer at Envoy Mortgage. She can help you navigate through all your options. Her number is ###-###-#### x228. Website is www.PattyDoesLoansFast.com ...
- Let me just tell you that absolutely NOTHING is the way it used to be in the Lending industry now. I've been a mortgage broker/banker for over 11 years and my husband...
Locking in Home Loan
Asked by L.K. from San Francisco
on May 5, 2012
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Hi. We locked in a rate for our home loan and it's dropped 1/3 of a percent. Does anyone have experience with loan percentages going down during the loan process? Was ...
Answers
- I have locked in before when that happened, but we had the condition that if it went down before closing that we would get the lower rate. That was agreed upon at the...
- some lenders will, but really, the protection works both ways. if the loan wasn't marketed to you with a big ol' IF THE RATE GOES DOWN, SO DOES YOUR LOAN! feature, it ...
- My guess would be not. Hope you got a great rate already, and just be happy with it that's it locked in.
A Good Realtor
Asked by A.H. from Dallas
on April 24, 2006
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My fiance and I are ready to purchase a home. Does any one know a local realtor(dallas) that can work with my fiances credit problems? Or even a morgage lender that yo...
Answers
- My mother is a realtr with Keller Williams. Her name is Joyce, ###-###-####
- A., Wow, looks like you got a great response. I am a realtor in the Dallas area and love what I am doing, and would absolutely be thrilled to help you and your fian...
- http://www.fairhomes.org/Default.asp also try getting a loan from credit union of texas. Try Southwest Funding, Ask for Marvin Two Crow ###-###-#### or ###-###-####...
Need Advise on Loan Modifications
Asked by E.M. from Los Angeles
on January 18, 2009
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Hello everyone, I need your advise on loan modication . I need to reduce my mortgage payment. I am a displanced worker , I can not find a decent job. I have a 15 year...
Answers
- that is correct - loan modifications are for people on the verge of losing their homes. You MAY be able to get a refinance though. Ask about that. I have a good mor...
- With rates dropping, why don't you check out a full refinance at 30yrs? This way you can go to any reputable lender that treats you with respect.
- Which bank are you banking with. Not all modication loans are programed in that manner. If the 30 or 40 year loan takes care of the need now. Does your husband have a...
Cost of Appraisal When Purchasing a Home
Asked by P.:. from Phoenix
on May 4, 2011
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I am in the process of purchasing a home and just got the closing statement from the lender. Of course the lender underestimated the fees (I hate salesmen). They are c...
Answers
- It's actually illegal for the lender's fee to increase over the GFE, many items can't increase at all, some can increase by only 10%. Did you get a copy of the apprai...
- It's been a while, but I used to be a real estate agent here in AZ. Average cost of an appraisal was $300. You can shop around for your appraisor, but the bank prefers...
- $400-600 is perfectly normal.
