| Posts by jveenstra |
| Subject
| Posting date |
| If there is a recent late payment and prior to .. |
Mon Jan 16 12:55:49 2012 |
| Call the 800 Customer Service telephone number .. |
Mon Jan 16 12:50:35 2012 |
| Refinancing is not as good as it used to be, but, .. |
Tue Jan 3 5:00:39 2012 |
| If you buy it for $100,000, $15,000 can be a gift .. |
Tue Jan 3 4:52:53 2012 |
| Short sale is an option.
The bank will get .. |
Thu Dec 15 10:53:53 2011 |
| It does not matter if it is Fannie Mae or Freddie .. |
Mon Dec 12 7:55:27 2011 |
| Naturally, they would want to try and collect .. |
Mon Dec 5 7:33:33 2011 |
| Good luck!
I do not know Ohio laws regarding .. |
Thu Dec 1 11:12:09 2011 |
| You can gross up income that is not taxed
If you .. |
Thu Dec 1 10:49:44 2011 |
| 1. You will not be able to get a mortgage for .. |
Thu Dec 1 10:41:31 2011 |
| Depends on what state you are in.
In some .. |
Thu Dec 1 10:37:14 2011 |
| Using the 401k for the down payment is fine is .. |
Mon Nov 28 7:28:47 2011 |
| You do not have to be delinquent on your mortgage .. |
Mon Nov 28 7:25:53 2011 |
| Besides your credit scores, the condominium needs .. |
Mon Nov 28 7:19:45 2011 |
| A zero is used for revolving accounts with no .. |
Fri Nov 25 10:11:55 2011 |
| If your present mortgage is owned by Fannie Mae .. |
Fri Nov 25 10:09:44 2011 |
| If your boyfriend is on title and on the .. |
Fri Nov 25 10:05:10 2011 |
| Conventional loans require a down payment of 5% .. |
Fri Nov 25 9:59:10 2011 |
| You could apply for a mortgage right now, so, .. |
Fri Nov 25 9:54:17 2011 |
| Thye can both see the same thing.
The purpose .. |
Fri Nov 25 9:47:26 2011 |
| You do not need to use his income, but, if you .. |
Mon Nov 21 12:42:21 2011 |
| Fannie Mae Form 1008 is the Uniform Underwriting .. |
Mon Nov 21 12:40:12 2011 |
| Short sales take from 30 days to nine months .. |
Thu Nov 10 1:44:20 2011 |
| Call the lender and ask them why they are not .. |
Thu Nov 10 1:38:38 2011 |
| Mortgages do not fall off the credit report if .. |
Thu Nov 10 1:33:39 2011 |
| The short sale needs to be approved by the .. |
Thu Nov 10 1:27:41 2011 |
| When an account is noted on the credit report as .. |
Thu Nov 10 1:24:57 2011 |
| Almost all lenders (but, not 100%) do not count .. |
Thu Nov 10 1:17:14 2011 |
| The stated income lender uses W2 income doumented .. |
Tue Nov 8 6:39:42 2011 |
| I have no idea what your mortgage documents state .. |
Tue Nov 8 6:36:52 2011 |
| You can refinance now.
The question is: What .. |
Tue Nov 8 6:31:04 2011 |
| Maximum purchase price with a total 45% debt .. |
Tue Nov 8 6:24:49 2011 |
| If you get a gift for the down payment, the .. |
Thu Nov 3 3:40:05 2011 |
| There is probabaly one lender and that lender .. |
Wed Nov 2 8:08:09 2011 |
| The only mortgages that require zero down payment .. |
Wed Nov 2 8:02:32 2011 |
| Accounts in dispute are not included in the .. |
Tue Oct 18 9:27:24 2011 |
| This is a mortgage web site and you are asking an .. |
Tue Oct 18 8:50:48 2011 |
| Many Loan officers do go in the field to visit .. |
Mon Oct 10 12:34:10 2011 |
| The first settlement offer was $8,500.
Do you .. |
Mon Oct 10 12:31:05 2011 |
| We can not answer such an ownership .. |
Mon Oct 10 12:28:37 2011 |
| Usually, the soft pulls are done within ten days .. |
Fri Oct 7 10:06:22 2011 |
| There are more lenders in the world than just .. |
Fri Oct 7 9:15:59 2011 |
| If the owner is living in the house more than one .. |
Fri Oct 7 9:09:23 2011 |
| There are not many lenders doing over 105% LTV if .. |
Wed Oct 5 5:55:50 2011 |
| If you change home insurance companies, you will .. |
Wed Oct 5 5:51:20 2011 |
| Glad you got somethinjg done.
Good .. |
Mon Oct 3 4:53:54 2011 |
| You're welcome
Good .. |
Wed Sep 28 4:23:51 2011 |
| His credit does not affectv your credit unless .. |
Tue Sep 27 1:11:12 2011 |
| Every lender I ever met (since 1983) gets title .. |
Tue Sep 27 1:08:14 2011 |
| This is a forum to ask questions about mortgages. .. |
Tue Sep 27 1:03:39 2011 |
| Lenders are required to verify that you obtained .. |
Tue Sep 27 1:01:16 2011 |
| Nothing will be reported until you make the first .. |
Tue Sep 27 12:54:13 2011 |
| One possibility is to refinance.
If current .. |
Tue Sep 27 12:48:24 2011 |
| The second home will not be treated as a .. |
Tue Sep 27 12:44:29 2011 |
| There is no "standard" loan-to-value .. |
Tue Sep 27 12:38:15 2011 |
| You can refinance just the first as long as the .. |
Tue Sep 27 12:33:54 2011 |
| You should have accounts in your own name.
If .. |
Tue Sep 27 12:30:11 2011 |
| Most Lenders would probably not accept any .. |
Tue Sep 27 12:13:42 2011 |
| All I can tell you is to look at a list of all .. |
Tue Sep 20 7:13:22 2011 |
| This is the same that I just answered.
This was .. |
Mon Sep 19 1:52:05 2011 |
| With PMI your overall monthly payment is about .. |
Mon Sep 19 1:49:35 2011 |
| The APR is one of the most meaningless and .. |
Mon Sep 19 1:38:13 2011 |
| Good luck! .. |
Fri Sep 16 5:42:20 2011 |
| If you will have a 95% of value mortgage for .. |
Mon Sep 12 5:16:07 2011 |
| It is a little difficult to advise what we might .. |
Fri Sep 9 8:43:40 2011 |
| I am sure there is a reason we do not know about, .. |
Fri Sep 9 8:34:30 2011 |
| You seem to have been told that the mortgage was .. |
Fri Sep 9 8:25:46 2011 |
| It does not matter if an account has had no .. |
Fri Sep 9 8:18:54 2011 |
| I guess it would be nice if everyone could get .. |
Fri Sep 9 8:12:57 2011 |
| Do you get a monthly mortgage statement
The .. |
Fri Sep 9 8:05:50 2011 |
| Your overall monthly payment is lower, but, you .. |
Fri Sep 2 8:14:30 2011 |
| If you started at $324,000 at 5% your monthly .. |
Wed Aug 31 9:14:52 2011 |
| Conventional maximum loan limit is $417,000 in .. |
Mon Aug 29 11:16:09 2011 |
| If you pay $100 extra every 12 months, the .. |
Mon Aug 29 10:58:06 2011 |
| It is included in the APR in every .. |
Mon Aug 29 10:43:23 2011 |
| Every lender does mortgages for self employed two .. |
Wed Aug 17 7:06:02 2011 |
| Toi pay off the existing $249,000 at 5.125% in 15 .. |
Wed Aug 17 7:03:07 2011 |
| Your numbers are not exact, so, a little diffcult .. |
Wed Aug 17 6:57:25 2011 |
| You are getting an FHA mortgage and the Up Front .. |
Wed Aug 17 6:21:41 2011 |
| While in Chapter 13, you can refinance as long .. |
Wed Aug 17 6:06:08 2011 |
| If you pay doen the principal, each month you do .. |
Wed Aug 17 6:03:22 2011 |
| If you are purchasing in New Jersey, you have an .. |
Wed Aug 17 5:57:10 2011 |
| With a BK discharged one year ago, you will not .. |
Wed Aug 17 5:49:46 2011 |
| If you are qualified to purchase by yourself, it .. |
Wed Aug 17 5:40:27 2011 |
| The government programs have guidelines that .. |
Mon Aug 8 1:51:16 2011 |
| An appraisal determines the property value, not .. |
Tue Jul 26 6:04:42 2011 |
| There are stated income mortgages for self .. |
Thu Jul 21 2:57:16 2011 |
| New Jersey does not pay interest on escrow .. |
Thu Jul 21 2:51:44 2011 |
| You need to ask a lawyer and it depends on what .. |
Thu Jul 21 2:43:18 2011 |
| Thanks, Chris.
You are correct. I have never .. |
Wed Jul 20 5:04:28 2011 |
| chiKay,
Go ahead and refinance.
Do NOT tell .. |
Tue Jul 19 12:59:48 2011 |
| Need at least 12 months from the new loan, not 12 .. |
Tue Jul 19 12:22:06 2011 |
| George, always the voice of reason and .. |
Tue Jul 19 12:20:28 2011 |
| I suggest that your decision should not be based .. |
Tue Jul 19 12:14:36 2011 |
| You have a favorite local mortgage .. |
Tue Jul 19 12:06:55 2011 |
| Every state has a banking dept or banking and .. |
Tue Jul 19 12:04:15 2011 |
| You can probably get away with it.
While .. |
Tue Jul 19 11:57:47 2011 |
| Table Funding simply means a mortgage broker .. |
Tue Jul 19 11:51:29 2011 |
| If you refinance, do you plan on paying down the .. |
Tue Jul 19 11:46:34 2011 |
| Anything you owe the IRS could show up on title .. |
Mon Jul 18 11:30:08 2011 |
| You note that you have a Fannie Mae loan.
If .. |
Mon Jul 18 11:22:55 2011 |
| The Lender will know about the delinquent taxes .. |
Mon Jul 18 11:17:51 2011 |
| The best way is to purchase with a gift of equity .. |
Mon Jul 18 11:06:17 2011 |
| The deed should hav ebeen changed to married if .. |
Mon Jul 18 10:54:02 2011 |
| If you pay $500 extra every month on a balance of .. |
Wed Jul 13 10:59:01 2011 |
| Is $245,000 the balance of the loan when it .. |
Tue Jul 12 10:46:37 2011 |
| Mortgage payments are not calculated with APR .. |
Tue Jul 12 10:42:35 2011 |
| The "possible" benifit of closing and .. |
Fri Jul 8 7:40:10 2011 |
| FHA loans have an Up Front Mortgage Insurance .. |
Thu Jun 23 6:25:45 2011 |
| George, your son's piggy bank would really be .. |
Thu Jun 16 12:18:13 2011 |
| PS:
You would need to pay off in three years, .. |
Thu Jun 16 9:38:18 2011 |
| If you have a $117,000 mortgage at 5.25% and you .. |
Thu Jun 16 9:36:20 2011 |
| It does not necessarily matter if you are in a .. |
Thu Jun 16 9:24:13 2011 |
| Sounds like a PUD to me.
Those are treated .. |
Mon Jun 13 11:19:30 2011 |
| If the original mortgage was done as an owner .. |
Mon Jun 13 10:04:41 2011 |
| Is the present mortgage owned by Fannie Mae or .. |
Mon Jun 13 9:59:32 2011 |
| The new loan is at 87% of value.
If your .. |
Mon Jun 13 9:51:02 2011 |
| Can you ghet in trouble and will you get in .. |
Mon Jun 13 9:41:48 2011 |
| Do you live in a condominium or in a .. |
Mon Jun 13 9:34:00 2011 |
| This is an FHA mortgage because you have MIP.
Is .. |
Mon Jun 6 5:36:37 2011 |
| In many states, the spouse signs the mortgage to .. |
Tue May 31 2:13:58 2011 |
| If you plan on selling your home in 5 to 7 years, .. |
Tue May 31 2:04:54 2011 |
| If you can document the self employed income, you .. |
Tue May 31 1:57:02 2011 |
| Mortgage interest is tax deductible.
How much .. |
Tue May 31 1:46:05 2011 |
| When your broker says that no one allows .. |
Tue May 31 1:42:55 2011 |
| Large deposits are ususally considered to be .. |
Wed May 25 5:56:14 2011 |
| You may get a better answer if you disclose what .. |
Thu Apr 21 5:37:47 2011 |
| What is your current rate
What mortgage .. |
Mon Apr 18 2:19:07 2011 |
| If you are not on the Note, you are not .. |
Mon Apr 18 2:17:09 2011 |
| Unfortunately, nothing much can due as the .. |
Wed Apr 13 2:16:16 2011 |
| Harp is a hard rule. It is Fannie Mae and .. |
Tue Apr 12 6:34:19 2011 |
| The HARP program is definitely not a possibility. .. |
Tue Apr 12 5:51:58 2011 |
| Not all mortgage lenders are required to report .. |
Mon Apr 11 3:02:54 2011 |
| The terms of adjustment are stated in the orginal .. |
Mon Apr 11 2:50:37 2011 |
| If your ex is on the existing mortgage, should be .. |
Mon Apr 11 2:46:18 2011 |
| It sounds like the rate and payment are adjusting .. |
Mon Apr 11 5:36:12 2011 |
| Most 403b plans do not allow for .. |
Mon Apr 4 2:31:47 2011 |
| Also, when you do a mortgage with a Lender, the .. |
Mon Apr 4 2:26:31 2011 |
| By your question, are we to assume you do not .. |
Mon Apr 4 2:22:42 2011 |
| Bankrate is okay to get a start point for .. |
Mon Apr 4 2:16:50 2011 |
| I am breathing and chilling (snow predicted for .. |
Fri Apr 1 12:17:12 2011 |
| That meeting is a step in the right .. |
Fri Apr 1 4:59:59 2011 |
| Thanks for the additional .. |
Wed Mar 30 6:04:03 2011 |
| If statements of fact are hostile, so be .. |
Tue Mar 29 3:23:50 2011 |
| What is your mortgage amount
What is your .. |
Tue Mar 29 3:17:43 2011 |
| Does your present property have a mortgage on it .. |
Tue Mar 29 3:07:57 2011 |
| Ask the LO who is doing your mortgage.
You are .. |
Mon Mar 28 7:33:41 2011 |
| If it is the bank's money that is being lent to .. |
Mon Mar 28 7:28:36 2011 |
| Of course you qualify for a larger mortgage if .. |
Mon Mar 28 7:22:08 2011 |
| FNMA has no restriction after listing a property .. |
Mon Mar 28 7:15:51 2011 |
| I have seen people refinance to lower the monthly .. |
Fri Mar 25 9:11:39 2011 |
| Yes, it is a good .. |
Fri Mar 25 9:08:04 2011 |
| The transfer of title can occur at closing. Your .. |
Fri Mar 25 9:06:17 2011 |
| When the lender finds out they are short, they .. |
Fri Mar 25 9:00:19 2011 |
| Being married or not married has nothing to do .. |
Fri Mar 25 8:44:51 2011 |
| I do not know what else to say.
You asked if .. |
Mon Mar 21 7:49:36 2011 |
| FHA does not care if get a second mortgage after .. |
Fri Mar 18 4:49:05 2011 |
| I do not know Illinois laws, but, what you are .. |
Fri Mar 18 4:45:56 2011 |
| beckydv,
You may get a better answer and more .. |
Thu Mar 17 6:53:30 2011 |
| Is there enough equity in the house for the .. |
Tue Mar 15 4:09:32 2011 |
| No legal ramifications.
If the short sale was .. |
Tue Mar 15 4:05:53 2011 |
| With a DIL or foreclosure, you will not be able .. |
Tue Mar 15 4:03:28 2011 |
| The FHA legal documents that you sign at closing .. |
Tue Mar 15 3:57:54 2011 |
| Sorry, I am not trying to confuse you. I .. |
Thu Mar 10 4:32:43 2011 |
| The "rule" is a "guideline.
Of .. |
Thu Mar 10 5:26:43 2011 |
| I do not always answer this fast. Just happen to .. |
Wed Mar 9 4:44:46 2011 |
| You are fortunate to have Shane answering your .. |
Wed Mar 9 3:50:13 2011 |
| If they add 2.5 to the current index, that means .. |
Wed Mar 9 3:47:24 2011 |
| Not exactly sure of the situation.
You .. |
Wed Mar 9 2:13:35 2011 |
| Thank you, Jim.
By "no such thing as .. |
Wed Mar 9 8:28:41 2011 |
| jmgilly, thanks, I did mean refinance at .. |
Wed Mar 9 6:46:27 2011 |
| At no time, ever, would I suggest to somone that .. |
Wed Mar 9 6:37:15 2011 |
| I am going to think out loud here because there .. |
Tue Mar 8 4:02:57 2011 |
| This is only a rough suggestion because do not .. |
Tue Mar 8 3:44:13 2011 |
| You have a $300,000 mortgage.
Is that the .. |
Tue Mar 8 3:26:42 2011 |
| The balance of the first mortgage is higher than .. |
Tue Mar 8 9:30:18 2011 |
| Wells Fargo retail advertises that they do it.
I .. |
Tue Mar 8 9:27:59 2011 |
| For an FHA mortgage, the lender will look at your .. |
Tue Mar 8 9:23:51 2011 |
| A $90,700 mortgage at 5.3% and you voluntarily .. |
Mon Mar 7 11:19:32 2011 |
| No one is going to offer you insurance at .. |
Mon Mar 7 11:05:07 2011 |
| All mortgages with which I am familiar require .. |
Mon Mar 7 11:00:49 2011 |
| Your co-signer has good credit, but, what about .. |
Mon Mar 7 10:55:47 2011 |
| The General Rule is "if you break even on .. |
Mon Mar 7 10:50:03 2011 |
| The 2% rule started back in the 1980s when .. |
Thu Mar 3 8:34:39 2011 |
| To pay off existing $282,000 mortgage at 5.75% in .. |
Thu Mar 3 8:27:29 2011 |
| If you continue to pay $100 extra on your .. |
Thu Mar 3 8:14:07 2011 |
| Fannie Mae and Freddie Mac and FHA lenders .. |
Thu Mar 3 7:52:14 2011 |
| If she refinances in only her name she is .. |
Tue Mar 1 9:06:38 2011 |
| If you signed the NOTE for the mortgage, it does .. |
Tue Mar 1 9:01:21 2011 |
| 1. The requirement to have two years rental .. |
Mon Feb 28 9:27:11 2011 |
| Of course you can rent from them.
Are you .. |
Mon Feb 28 9:14:30 2011 |
| The property is collateral for the mortgage.
It .. |
Mon Feb 28 9:10:07 2011 |
| I belive the only person who can pay interest and .. |
Mon Feb 28 9:06:42 2011 |
| They can use the rent if the mortgage balance on .. |
Fri Feb 25 5:11:04 2011 |
| FHA has defined two situations regarding a short .. |
Thu Feb 24 4:04:12 2011 |
| The credit score is probably more important than .. |
Thu Feb 24 3:49:23 2011 |
| Mortgage qualifying uses the lowest middle score .. |
Thu Feb 24 3:45:50 2011 |
| Is there a mortgage on the property
If there .. |
Thu Feb 24 3:42:24 2011 |
| I would not think it possible for you to take .. |
Thu Feb 24 3:39:08 2011 |
| You are welcome.
Do the refinance right .. |
Wed Feb 23 12:22:25 2011 |
| When a NOTE is secured by a deed of trust, the .. |
Wed Feb 23 12:21:29 2011 |
| Since there is no mortgage on the property, any .. |
Wed Feb 23 9:19:29 2011 |
| Parents put together a NOTE.
Is there a recorded .. |
Tue Feb 22 4:18:25 2011 |
| 1. It is not possible to have 19 years left on a .. |
Tue Feb 22 4:09:24 2011 |
| There are no formulas.
Rates are higher now .. |
Tue Feb 22 4:01:17 2011 |
| If the mortgages were included in the Chapter 7, .. |
Tue Feb 22 3:54:51 2011 |
| Don't see why not.
Any owner can provide down .. |
Mon Feb 21 1:26:24 2011 |
| Who actually made the mortgage payments
Only .. |
Mon Feb 21 1:24:34 2011 |
| No one can calculate anything without knowing .. |
Mon Feb 21 1:19:40 2011 |
| Ask the lender if you can add her to the .. |
Fri Feb 18 3:44:54 2011 |
| He is on title.
He is an owner.
If he pays the .. |
Fri Feb 18 10:58:10 2011 |
| Sorry, Melissa, I am not an accountant.
I am .. |
Fri Feb 18 10:11:58 2011 |
| If your boyfriend is on title, he is an .. |
Fri Feb 18 9:54:52 2011 |
| Is your existing mortgage owned by Fannie Mae or .. |
Fri Feb 18 9:49:47 2011 |
| You will not be able to use her income with a .. |
Thu Feb 17 4:58:30 2011 |
| The MORTGAGE is the document filed to let .. |
Thu Feb 17 4:49:20 2011 |
| Always required on FHA 30 year fixedno matter .. |
Thu Feb 17 4:43:11 2011 |
| Definitely refinance.
FHA does not treat .. |
Thu Feb 17 4:39:37 2011 |
| I have answered some of your other .. |
Wed Feb 16 8:56:47 2011 |
| If one is in school before going to work or back .. |
Wed Feb 16 8:48:31 2011 |
| No.
If she is on title and you want to use her .. |
Wed Feb 16 8:38:42 2011 |
| If you applied for a mortgage anyplace, the .. |
Wed Feb 16 8:30:19 2011 |
| The line of credit is a second mortgage and the .. |
Wed Feb 16 8:23:57 2011 |
| Fannie Mae recently started a program where .. |
Wed Feb 16 8:17:22 2011 |
| You are asking an IRS/accountant question and .. |
Wed Feb 16 8:11:47 2011 |
| PMI is either "terminated" .. |
Tue Feb 15 3:44:53 2011 |
| At age of 62, one can look at reverse .. |
Tue Feb 15 3:29:17 2011 |
| Owing $30,000 between car and credit cards does .. |
Tue Feb 15 3:26:50 2011 |
| If you change from one W2 paid job to the next W2 .. |
Tue Feb 15 3:20:34 2011 |
| George is correct. To add a little more:
If a .. |
Tue Feb 15 3:11:52 2011 |
| Yes .. |
Tue Feb 15 3:00:39 2011 |
| There may be portfolio lenders ijn your area who .. |
Tue Feb 15 1:50:04 2011 |
| You can get the mortgage from any lender who is .. |
Mon Feb 14 2:39:29 2011 |
| I do not know Ohio laws regarding dower .. |
Mon Feb 14 2:35:48 2011 |
| Just pay yourself monthly as always but include .. |
Mon Feb 14 2:32:32 2011 |
| If the condo was your primary residence, no .. |
Mon Feb 14 2:28:25 2011 |
| The correct term is Quit Claim Deed.
Is anyone .. |
Mon Feb 14 2:25:58 2011 |
| If you refinanced and after closing received a .. |
Mon Feb 14 2:20:52 2011 |
| Yes
If the gift is all 20% of a down payment, .. |
Fri Feb 11 7:05:43 2011 |
| The property is in your uncle's name.
Are you .. |
Thu Feb 10 12:29:04 2011 |
| You are welcome.
Best wishes.
Besides giving .. |
Wed Feb 9 3:06:23 2011 |
| As long as you qualify carrying both mortgages, .. |
Tue Feb 8 10:30:24 2011 |
| This is your primary home in Oklahoma.
Is the .. |
Tue Feb 8 8:22:06 2011 |
| The monthly PITI is 20% of Gross Income, which is .. |
Tue Feb 8 8:19:07 2011 |
| In what state is the property located
As Tom .. |
Mon Feb 7 12:19:30 2011 |
| Your husband is not on the NOTE and is, .. |
Mon Feb 7 12:05:17 2011 |
| Pay monthly principal and interest .. |
Wed Feb 2 4:25:32 2011 |
| 1. Is the existing mortgage an FHA Mortgage I do .. |
Wed Feb 2 4:18:36 2011 |
| Your game plan is good, however, you wil have a .. |
Tue Feb 1 11:01:53 2011 |
| Right now your monthly principal and interest .. |
Tue Feb 1 10:57:19 2011 |
| Before August, 2007 there were some mortgages .. |
Tue Feb 1 10:02:27 2011 |
| You have provided a lot of information, but, not .. |
Tue Feb 1 9:56:45 2011 |
| If the underwriter requested that large deposits .. |
Tue Feb 1 9:35:13 2011 |
| You can always start processing the refinance .. |
Tue Feb 1 9:21:41 2011 |
| Some portfolio lenders allow you to refinance .. |
Mon Jan 31 3:38:59 2011 |
| To consolidate debt with the refinancing of the .. |
Mon Jan 31 3:16:08 2011 |
| You can apply for the loan and process the loan .. |
Fri Jan 28 6:43:22 2011 |
| Lenders call your existing employer within 10 .. |
Thu Jan 27 1:51:13 2011 |
| The current lender allows you to add someone to .. |
Thu Jan 27 1:38:43 2011 |
| You are on the deed. If you pay the taxes, you .. |
Thu Jan 27 1:36:09 2011 |
| If your credit score is 650 after the late .. |
Thu Jan 27 1:26:31 2011 |
| Credit Unions can be good and helpful, as George .. |
Wed Jan 26 1:50:34 2011 |
| Freda, you must be in a high cost county because .. |
Mon Jan 24 8:36:05 2011 |
| Is there a divorce decree which states she gets .. |
Mon Jan 24 8:12:52 2011 |
| I am not a lawyer and you can not use my answer .. |
Fri Jan 21 9:59:08 2011 |
| I can not speak for all states.
In NJ, one can .. |
Thu Jan 20 4:44:21 2011 |
| It appears you have an interest only loan.
We .. |
Wed Jan 19 2:29:28 2011 |
| The existing servicer of the Fannie Mae and .. |
Wed Jan 19 2:19:44 2011 |
| 1099 income is used to qualify for .. |
Wed Jan 19 2:16:00 2011 |
| Tax returns would be proof if you reported the .. |
Wed Jan 19 1:44:51 2011 |
| I am sure you have a plan in mind, but, why would .. |
Wed Jan 19 1:24:46 2011 |
| The cost varies from state to state and depends .. |
Wed Jan 19 1:17:31 2011 |
| All borrowers must sign the note.
Not all .. |
Mon Jan 17 3:05:30 2011 |
| A $729,000 loan for 15 years at 3.875% has a .. |
Mon Jan 17 3:02:47 2011 |
| Because the value of the property is less than .. |
Mon Jan 17 8:35:48 2011 |
| Extra payments are not penalized. They are .. |
Fri Jan 14 6:06:05 2011 |
| It is correct that if you pay off colelction .. |
Fri Jan 14 5:58:56 2011 |
| My wife has same job you do, in New Jersey.
It .. |
Thu Jan 13 5:06:38 2011 |
| I would advise that you speak with a mortgage .. |
Thu Jan 13 5:00:53 2011 |
| Yes, you may refoinance after 3 years.
You may .. |
Thu Jan 13 4:55:57 2011 |
| I can not answer your question because I have no .. |
Thu Jan 13 4:52:55 2011 |
| Rather than simply avoiding answering your .. |
Thu Jan 13 4:44:04 2011 |
| Fannie mae and Freddie Mac require minimum down .. |
Thu Jan 13 4:38:23 2011 |
| It is calendar days.
The payment is late if .. |
Thu Jan 13 4:24:50 2011 |
| What taxes you pay and do not pay depend .. |
Thu Jan 13 4:21:21 2011 |
| How can this be a For Sale By Owner (FSBO) .. |
Thu Jan 13 4:14:54 2011 |
| When you get a construction loan, the loan is .. |
Thu Jan 13 9:57:06 2011 |
| Shamee, click on "email" in the box at .. |
Thu Jan 13 6:58:34 2011 |
| Shamee, if you contact me, I will give you name .. |
Thu Jan 13 6:48:34 2011 |
| If you can not make the payment now with your and .. |
Wed Jan 12 4:49:00 2011 |
| As long as you are not in a community property .. |
Wed Jan 12 4:39:32 2011 |
| The balloon is in three years, so, that is not a .. |
Wed Jan 12 4:36:31 2011 |
| Conventional mortgages require a credit score of .. |
Wed Jan 12 4:29:41 2011 |
| There are a couple lenders who do FHA mortgages .. |
Wed Jan 12 4:22:17 2011 |
| If the deposit slips just show totals, that would .. |
Wed Jan 12 10:35:31 2011 |
| All lenders verify large deposits. They have the .. |
Tue Jan 11 1:43:20 2011 |
| It is a local bank.
It is unfortunate you are .. |
Tue Jan 11 1:36:44 2011 |
| The best investor rates typically come from .. |
Tue Jan 11 1:28:57 2011 |
| Yes, the rate may actually drop.
Have to wait .. |
Tue Jan 11 6:42:38 2011 |
| When the mortgage rate starts to adjust in 1.5 .. |
Mon Jan 10 3:28:43 2011 |
| The guidelines today require there be 30% (25% .. |
Mon Jan 10 2:39:48 2011 |
| To date, I have seen no requirement that the .. |
Mon Jan 10 2:32:38 2011 |
| If you have a $32,000 loan at 6.25% presently and .. |
Mon Jan 10 2:29:41 2011 |
| It may be possible to do a cash out FHA refinance .. |
Mon Jan 10 2:17:27 2011 |
| What is the current rate
What is the INDEX for .. |
Mon Jan 10 2:11:33 2011 |
| If you pay down current loan by $75,000, you will .. |
Mon Jan 10 2:07:46 2011 |
| Ethyl,
Why don't you answer the inquirer's .. |
Thu Jan 6 8:43:34 2011 |
| As long as all is disclosed on the purchase .. |
Fri Dec 24 8:25:56 2010 |
| You may purchase a home anytime now and use your .. |
Wed Dec 22 1:56:09 2010 |
| Quit Claim deeding the property to you would be .. |
Wed Dec 22 1:50:41 2010 |
| As noted above, appraisals for purchases and a .. |
Wed Dec 22 1:48:32 2010 |
| Sorry, no .. |
Wed Dec 22 1:34:17 2010 |
| If your check clears this year, you get to deduct .. |
Wed Dec 22 1:33:27 2010 |
| Initially, I suggested to you they should refund .. |
Tue Dec 21 3:26:27 2010 |
| You are mistaken. I do not say you are due no .. |
Tue Dec 21 3:00:29 2010 |
| If you received a Good Faith Estimate you either .. |
Tue Dec 21 2:08:11 2010 |
| Did you pay the lender for the appraisal
You .. |
Tue Dec 21 1:38:12 2010 |
| That makes no sense and defies my logic.
It .. |
Tue Dec 21 1:33:20 2010 |
| Perhaps because they want to foreclose without .. |
Tue Dec 21 1:29:01 2010 |
| Lenders, GMAC nor anyone else, do not sate up .. |
Tue Dec 21 1:25:53 2010 |
| Who will pay the $10,000
The mortgage company .. |
Tue Dec 21 1:16:00 2010 |
| Is the mortgage you have now owned by Fannie mae .. |
Tue Dec 21 1:13:34 2010 |
| PMI should have maybe escrowed none or one month .. |
Tue Dec 21 1:09:17 2010 |
| Yes .. |
Tue Dec 21 1:05:46 2010 |
| Depends on what state you live in.
For .. |
Tue Dec 21 1:04:07 2010 |
| Fannie Mae guidelines are as follows:
1. You .. |
Tue Dec 21 1:00:06 2010 |
| Are you on the mortgage
If you are both on the .. |
Tue Dec 21 12:45:07 2010 |
| NO, you are not obligated to pay the .. |
Tue Dec 21 12:37:56 2010 |
| I am not a lawyer and I can not give legal advice .. |
Thu Dec 16 1:41:37 2010 |
| You can not quitclaim the bank's lien on the .. |
Thu Dec 16 1:21:51 2010 |
| They can make you both pay.
Actually, they can .. |
Thu Dec 16 12:50:50 2010 |
| Realtor credits toward closing costs are legal in .. |
Thu Dec 16 11:47:34 2010 |
| You can purchase the other home as ong as you .. |
Thu Dec 16 11:43:31 2010 |
| 30 year fixed rates today are probably more like .. |
Thu Dec 16 11:36:52 2010 |
| Is there some legal document that says he should .. |
Thu Dec 16 11:31:14 2010 |
| Owner can finance his short sale if he has enough .. |
Thu Dec 16 11:25:27 2010 |
| Thank you for clarifying your question.
You .. |
Wed Dec 15 9:16:57 2010 |
| Not sure exctly what is your question
How much .. |
Tue Dec 14 1:12:05 2010 |
| Why can you not just buy the house with your down .. |
Tue Dec 14 1:08:22 2010 |
| Depreciation is added back.
You could be .. |
Tue Dec 14 1:04:39 2010 |
| There is a divorce decree. What are the terms in .. |
Mon Dec 13 1:54:12 2010 |
| I have never heard of any servicer requesting a .. |
Mon Dec 13 7:37:07 2010 |
| Typically 45% or .. |
Fri Dec 10 12:29:14 2010 |
| No one can answer your question unless they know .. |
Fri Dec 10 12:28:33 2010 |
| FHA mortgage requires a minimum down payment of .. |
Fri Dec 10 12:26:39 2010 |
| It does not matter if you are married or not, .. |
Fri Dec 10 12:22:42 2010 |
| Of course a lender and their processors and .. |
Fri Dec 10 12:10:47 2010 |
| You must verify one of two things if you are .. |
Fri Dec 10 12:04:05 2010 |
| If someone is buying your condo with less than a .. |
Wed Dec 8 4:34:28 2010 |
| Is your present mortgage owned by Fannie Mae or .. |
Wed Dec 8 4:19:09 2010 |
| hoku,
Does your present loan have .. |
Wed Dec 8 4:14:41 2010 |
| He has to ask his mortgage lender that .. |
Wed Dec 8 4:10:39 2010 |
| That's crazy.
Can not speak for Chase as to .. |
Wed Dec 8 4:05:18 2010 |
| If you are closing in early January, you should .. |
Wed Dec 8 3:37:53 2010 |
| FHA allows co-signers or co-borrowers, however, .. |
Wed Dec 8 3:30:32 2010 |
| You can pay cash for a house or, maybe you could .. |
Wed Dec 8 3:24:43 2010 |
| You sell the property to someone.
They give you .. |
Wed Dec 8 3:20:25 2010 |
| We appreciate your seeking advice on this site, .. |
Tue Dec 7 6:08:15 2010 |
| Closing costs do not have much to do with credit .. |
Tue Dec 7 5:51:22 2010 |
| Why does it have to be your primary home
If .. |
Tue Dec 7 5:48:58 2010 |
| You obviously looked into refinancing.
How can .. |
Tue Dec 7 5:40:08 2010 |
| The second mortgage lender does not buy out the .. |
Tue Dec 7 5:33:50 2010 |
| Do you have a mortgage on the property
If you .. |
Tue Dec 7 5:27:37 2010 |
| I am not familiar with any stated income .. |
Mon Dec 6 7:21:42 2010 |
| If you are on the deed, you are an owner.
No .. |
Fri Dec 3 4:01:00 2010 |
| If you sell the home, how does it stay in your .. |
Fri Dec 3 3:59:56 2010 |
| Second home terms are same as owner occupiedas .. |
Fri Dec 3 3:56:22 2010 |
| The mortgage application requires one state their .. |
Thu Dec 2 1:58:01 2010 |
| Why would an unsecured credit card help your .. |
Thu Dec 2 1:05:36 2010 |
| This is a mortgage web site.
Maybe you will be .. |
Thu Dec 2 1:02:16 2010 |
| Sounds like the broker did not ask you what type .. |
Thu Dec 2 12:59:43 2010 |
| It is not an absolute requirement to be late on .. |
Thu Dec 2 12:56:41 2010 |
| Ask the mortgage broker to explain the .. |
Thu Dec 2 12:47:27 2010 |
| Maybe the difference is escrows, which are not .. |
Thu Dec 2 12:46:20 2010 |
| Does not make a world of difference
What is .. |
Thu Dec 2 12:41:28 2010 |
| There is no blanket answer to your question.
It .. |
Thu Dec 2 12:33:56 2010 |
| Some stated income programs exist with local .. |
Thu Dec 2 12:31:18 2010 |
| If you pay $94.35 more than the required $785.09, .. |
Thu Dec 2 12:24:58 2010 |
| Probably does not pay too much to refinance
To .. |
Thu Dec 2 12:14:14 2010 |
| There are self employed No Income Verification .. |
Thu Dec 2 12:00:57 2010 |
| The answer depends on the size loan you want, the .. |
Fri Nov 26 2:34:00 2010 |
| Not if you just do it once. You have to keep .. |
Fri Nov 26 2:30:17 2010 |
| Make the purchase price $125,000
with a gift of .. |
Fri Nov 26 2:21:59 2010 |
| NO, there is no limit to the .. |
Fri Nov 26 2:12:57 2010 |
| You are welcome
Good .. |
Fri Nov 26 8:28:28 2010 |
| Is the home that she wants to refinance the home .. |
Wed Nov 24 12:21:10 2010 |
| There are a few lenders who will do rate and term .. |
Wed Nov 24 12:16:03 2010 |
| The request is not standard.
In NJ it is against .. |
Wed Nov 24 12:11:01 2010 |
| The value of the home is $225,000
Your father is .. |
Wed Nov 24 11:51:42 2010 |
| Daily expenses that are not included in the .. |
Wed Nov 24 11:40:43 2010 |
| Probably not, but, it really depends on your .. |
Wed Nov 24 11:36:56 2010 |
| There are a couple lenders who do FHA mortgages .. |
Wed Nov 24 11:33:07 2010 |
| You may get a better answer/response to your .. |
Wed Nov 24 11:29:38 2010 |
| In order to use rental income for qualifying .. |
Fri Sep 10 10:50:57 2010 |
| Debt ratios up to 45% and sometimes up to 50% .. |
Fri Sep 10 10:41:34 2010 |
| If the co-signer has no income, they do not help .. |
Fri Sep 10 10:35:13 2010 |
| There is no way to do an anlaysis and anwser your .. |
Fri Sep 10 10:30:23 2010 |
| They exist.
You may get better answers and .. |
Fri Sep 10 10:28:13 2010 |
| There is no freeze on your credit and you can .. |
Fri Sep 10 10:26:23 2010 |
| When a rate lock is expiring, one of two things .. |
Fri Sep 10 10:20:24 2010 |
| The income used for mortgage qualification for .. |
Fri Sep 10 10:10:46 2010 |
| Some do and some do .. |
Fri Sep 10 10:02:06 2010 |
| If you close on October 6, at closing you pay for .. |
Fri Sep 10 9:51:53 2010 |
| If the FHA mortgage is in a community property .. |
Fri Sep 10 9:43:03 2010 |
| Is the mortgage on Mom's home owned by Fannie Mae .. |
Fri Sep 10 9:40:08 2010 |
| You should be ok after six months on the new .. |
Fri Sep 10 9:31:44 2010 |
| I can not speak for what mortgages are available .. |
Wed Sep 8 5:11:33 2010 |
| There are no mortgage balances or house values or .. |
Wed Sep 8 5:03:12 2010 |
| Richardsmindak,
Of course you can refinance .. |
Tue Sep 7 7:45:33 2010 |
| The costs for the new loan are $3,907 which in .. |
Fri Sep 3 5:26:29 2010 |
| There are no national stated incomel .. |
Wed Sep 1 6:15:13 2010 |
| New York has a mortgage tax every time you get a .. |
Tue Aug 31 11:03:16 2010 |
| Why are your existing payments only about $532 .. |
Tue Aug 24 2:49:54 2010 |
| You may be able to do so.
Getting an FHA .. |
Tue Aug 24 2:43:29 2010 |
| You can talk to Greg later, but the change to .. |
Tue Aug 24 2:40:17 2010 |
| When a rate lock expires the lender usually can .. |
Tue Aug 24 2:31:18 2010 |
| If you do not live in it, refinance it as an .. |
Tue Aug 24 1:50:15 2010 |
| It is difficult to determine the appraised value .. |
Tue Aug 24 1:44:59 2010 |
| Fannie Mae has add ons of 1.00 bps to pricing for .. |
Tue Aug 24 1:26:08 2010 |
| How many miles are deducted
If it is a really .. |
Tue Aug 24 12:49:36 2010 |
| By suggesting the payment will change due in .. |
Tue Aug 24 12:47:17 2010 |
| Stated income mortgage loans for self employed .. |
Tue Aug 24 12:38:58 2010 |
| What is the purpose for your mother being a .. |
Tue Aug 24 12:29:15 2010 |
| I would refinance now while rates are low. I .. |
Mon Aug 23 6:52:30 2010 |
| It is still worth it even if you only pay the .. |
Fri Aug 20 8:12:02 2010 |
| Certainly look into refinancing.
If the second .. |
Fri Aug 20 6:09:40 2010 |
| If you have a $200,000 balance now at 5.25% and .. |
Fri Aug 20 6:04:27 2010 |
| When you do owner occupied mortgages, you are .. |
Fri Aug 20 5:40:05 2010 |
| What reason did the undewritier give for not .. |
Mon Aug 9 7:26:35 2010 |
| Shane Milne is in California.
Contact him .. |
Mon Aug 9 7:08:43 2010 |
| YOu do not have to add her to the loan. You have .. |
Fri Aug 6 3:15:22 2010 |
| If you finance the closing costs and do a new 15 .. |
Fri Aug 6 3:13:30 2010 |
| The rental income from the condos can only be .. |
Fri Aug 6 2:54:16 2010 |
| If you have the lowest and you can not find any .. |
Fri Aug 6 2:49:25 2010 |
| It is proper to disclose truthfully. Whatever .. |
Fri Aug 6 2:45:45 2010 |
| msowder15:
Looks like you already did the math. .. |
Fri Aug 6 2:43:39 2010 |
| You may qualify as a first time buyer, but, what .. |
Fri Aug 6 2:39:30 2010 |
| How long have you been employed and is the income .. |
Fri Aug 6 2:37:45 2010 |
| FHA payment of Monthly Insurance Premium (MIP)is .. |
Fri Aug 6 2:32:43 2010 |
| FHA allows cosigners or coborrowers.
Cosigners .. |
Fri Jul 30 9:24:02 2010 |
| The answer to your question depends on a couple .. |
Fri Jul 30 9:19:10 2010 |
| By property in "New York", do you mean .. |
Fri Jul 30 9:07:13 2010 |
| FHA is not really any more paperwork.
I .. |
Fri Jul 30 6:18:47 2010 |
| If you are implying that my blog advice is not .. |
Thu Jul 29 8:36:10 2010 |
| Keep the loan you have or use some money to pay .. |
Thu Jul 29 6:10:52 2010 |
| Correct, with 20% or more down payment, no PMI .. |
Thu Jul 29 6:02:50 2010 |
| Costs always play a role. Subtract the costs .. |
Wed Jul 28 5:28:25 2010 |
| You indicated your wife is a coborrower. That .. |
Tue Jul 27 2:52:51 2010 |
| You should refinance to something if you can. 15 .. |
Tue Jul 27 2:47:08 2010 |
| If you refinance at $233,000 (that would be .. |
Tue Jul 27 2:30:44 2010 |
| If you continue to pay $200 extra per month by .. |
Tue Jul 27 2:15:21 2010 |
| When you pay $1334 each payment, does the $1,334 .. |
Tue Jul 27 1:57:01 2010 |
| Dannyone245,
Can only answer your question if .. |
Tue Jul 27 1:43:08 2010 |
| A conventional loan is not an FHA loan.
An FHA .. |
Tue Jul 27 10:52:46 2010 |
| Thanks for providing the additional .. |
Tue Jul 27 6:35:38 2010 |
| You are not on the NOTE and are not responsible .. |
Mon Jul 26 1:32:24 2010 |
| If you refinance to 15 years at 3.875% and pay .. |
Mon Jul 26 10:09:11 2010 |
| If your father is wiling to be a coborrower, you .. |
Mon Jul 26 9:45:17 2010 |
| Laws could vary from state to .. |
Mon Jul 26 9:29:31 2010 |
| I am not licensed in Georgia.
I suggest .. |
Thu Jul 22 6:41:15 2010 |
| It is not clear if there is enough money to cover .. |
Thu Jul 22 6:29:35 2010 |
| I am not familiar with how a lender applies extra .. |
Thu Jul 22 6:16:15 2010 |
| In what state is the property to be purchased .. |
Thu Jul 22 6:11:02 2010 |
| It appears the mortgage balance is about 90% of .. |
Wed Jul 21 9:16:32 2010 |
| The Mortgage does not obligate anyone to pay .. |
Wed Jul 21 6:16:49 2010 |
| Typically need at least a 20% down payment for .. |
Wed Jul 21 6:12:38 2010 |
| Yes, he .. |
Tue Jul 20 3:28:40 2010 |
| In NJ, if it is the marital home, the wife signs .. |
Tue Jul 20 3:27:19 2010 |
| When you got the original loan 4+ years ago, did .. |
Tue Jul 20 3:19:31 2010 |
| The title company is putting her name on the .. |
Tue Jul 20 3:12:36 2010 |
| FHA 203k if you are living i or will live in the .. |
Tue Jul 20 3:10:02 2010 |
| Should be ok for a mortgage once on present job .. |
Wed Jul 7 8:52:27 2010 |
| You can get a mortgage now, so, I would say you .. |
Tue Jul 6 2:43:36 2010 |
| A scam would be taking money you do not .. |
Tue Jul 6 2:41:17 2010 |
| We can not accurately answer your question. We .. |
Tue Jul 6 6:29:54 2010 |
| A balance of $247,500 would normally require PMI .. |
Tue Jul 6 6:18:12 2010 |
| A ten year loan today would be about 3.75% or a .. |
Mon Jul 5 10:46:31 2010 |
| The calculation depends on your tax bracket as to .. |
Wed Jun 30 6:22:56 2010 |
| He can give you a gift of $13,000 a year without .. |
Tue Jun 29 10:42:08 2010 |
| Above comments are correct.
If your rental .. |
Tue Jun 29 10:36:24 2010 |
| The costs look about correct if that is all the .. |
Tue Jun 29 10:26:05 2010 |
| All IRAlans have their own rules and guidelines. .. |
Fri Jun 25 9:47:46 2010 |
| Greg, come on, esrows are relevant.
Costs of .. |
Thu Jun 24 1:22:03 2010 |
| The costs of $3,000 from US Bank may be lower .. |
Thu Jun 24 12:56:06 2010 |
| There are lenders that do not have seasoning .. |
Thu Jun 24 12:44:21 2010 |
| Does the new mortgage include all of your closing .. |
Thu Jun 24 12:38:02 2010 |
| The rate is lower for 30 years than 25 years. Of .. |
Thu Jun 24 12:04:07 2010 |
| You must tell them about the new job and give .. |
Thu Jun 24 12:01:19 2010 |
| Good .. |
Wed Jun 16 11:27:49 2010 |
| Do not really know the answer, but, logic tells .. |
Tue Jun 15 8:37:09 2010 |
| There are one or two lenders that do this in NJ. .. |
Tue Jun 15 8:30:06 2010 |
| Is your present mortgage an FHA mortgage That is .. |
Tue Jun 15 8:23:49 2010 |
| The new FHA Streamline guidlines started in Feb, .. |
Tue Jun 15 8:18:52 2010 |
| Because you have no equity in the present .. |
Tue Jun 15 8:09:12 2010 |
| If you are added to the deed after closing, which .. |
Tue Jun 15 8:03:41 2010 |
| You can foreclose due to nonpayment of your .. |
Tue Jun 15 7:48:50 2010 |
| Same answer I gave above.
Your current first .. |
Mon Jun 14 1:01:33 2010 |
| Use the HELOC Construction to perm loansd are .. |
Mon Jun 14 6:06:12 2010 |
| Making the start date after settlement was not a .. |
Fri Jun 11 12:38:16 2010 |
| Additionally, you would have to have the Purchase .. |
Fri Jun 11 12:29:58 2010 |
| You should be ok. May have to write letter of .. |
Fri Jun 11 12:27:31 2010 |
| A principal and interest payment of $583 (not .. |
Fri Jun 11 12:17:20 2010 |
| His credit only affects her buying ability if .. |
Fri Jun 11 12:10:09 2010 |
| Rates are at a low point. Do it immediately if .. |
Fri Jun 11 12:08:07 2010 |
| Apparently the present mortgage is owned by .. |
Fri Jun 11 12:06:41 2010 |
| It does not matter if the IRS does catch it. He .. |
Fri Jun 11 12:01:44 2010 |
| I think the fastest the transcripts are avaialble .. |
Fri Jun 11 11:58:16 2010 |
| A marriage certirficate is not .. |
Fri Jun 11 11:55:37 2010 |
| It is possible that your existing 30 year fixed .. |
Fri Jun 11 11:54:29 2010 |
| It used to be that FHA did not recquire an .. |
Thu Jun 10 8:01:54 2010 |
| The credit score is ok. As long as your debt .. |
Thu Jun 10 7:42:30 2010 |
| On the HUD-I Settlement Statement it shows asa a .. |
Wed Jun 9 7:32:26 2010 |
| The maximum LTV for cash out is 60% for FNMA High .. |
Tue Jun 8 9:19:28 2010 |
| Only relatives are eligible for gift of .. |
Tue Jun 8 9:12:23 2010 |
| There are FHA lenders who require additional 5% .. |
Tue Jun 8 9:08:49 2010 |
| You had to be in contract by April 1st, 2010 to .. |
Tue Jun 8 8:59:08 2010 |
| If between the two of you, you make way more than .. |
Tue Jun 8 8:56:22 2010 |
| The FHA 30 year fixed has not been lower than .. |
Tue Jun 8 8:51:35 2010 |
| Get the other job ASAP. If you get thye job fast .. |
Tue Jun 8 8:48:31 2010 |
| They are probably getting a credit report .. |
Tue Jun 1 11:28:06 2010 |
| The dues are added to the mortgage payment for .. |
Tue Jun 1 11:14:53 2010 |
| The mother-in-law can give a gift of $13,000 a .. |
Tue Jun 1 11:08:21 2010 |
| You can get a free credit score from: .. |
Fri May 28 12:47:09 2010 |
| If you refinanced to 15 years the payment would .. |
Fri May 28 12:28:11 2010 |
| A reasonable offer depends on how much you paid .. |
Fri May 28 12:22:37 2010 |
| Your credit scores and your debt ratios are .. |
Fri May 28 12:17:14 2010 |
| FHA itself does not have a minimum credit .. |
Fri May 28 12:15:26 2010 |
| You can owner finance but not for $72,000 because .. |
Fri May 28 12:12:07 2010 |
| You must live in the house to get an FHA .. |
Fri May 28 12:10:03 2010 |
| Find another lender. There are lots of lenders .. |
Wed May 26 6:04:42 2010 |
| Find another lender. There are lots of lenders .. |
Wed May 26 6:04:42 2010 |
| Find another lender. There are lots of lenders .. |
Wed May 26 6:04:42 2010 |
| You probaly can not be on any mortgage because .. |
Wed May 26 5:57:46 2010 |
| If the pay back period is longer than the time .. |
Wed May 26 5:48:40 2010 |
| 1. Is your current loan owned by Fannie Mae or .. |
Wed May 26 5:39:54 2010 |
| Down payments can range from 3.500% for an FHA .. |
Wed May 26 5:31:39 2010 |
| The answer to your question is a simple mortgage .. |
Wed May 26 5:27:43 2010 |
| The rate lock agreement is confirmation that you .. |
Wed May 26 5:22:25 2010 |
| No single entity may own more than one .. |
Wed May 19 4:49:22 2010 |
| The tax must be paid again when refinancing .. |
Wed May 19 9:02:25 2010 |
| Need a little more information.
If you buy the .. |
Wed May 19 8:57:30 2010 |
| There are only three ways to have a judgment and .. |
Wed May 19 8:47:53 2010 |
| OC, with an FHA loan the Monthly Insurance .. |
Wed May 19 8:33:17 2010 |
| Is there a will
If the will leaves the .. |
Wed May 19 8:22:35 2010 |
| To qualify for the federal tax credit for a first .. |
Wed May 19 8:08:23 2010 |
| Today lenders often ask for 1040 to see your .. |
Wed May 19 8:02:26 2010 |
| No one can tell you it is ok. We can tell you it .. |
Wed May 19 7:51:45 2010 |
| He refinanced in his name, so, you are not .. |
Wed May 19 7:41:43 2010 |
| I guess you mean you did not sign the Note The .. |
Wed May 19 7:27:24 2010 |
| Do not include the car in the bankruptcy and .. |
Mon May 17 9:30:58 2010 |
| The terms are good for you and the seller.
The .. |
Mon May 17 9:15:50 2010 |
| The terms are good for you and the seller.
The .. |
Mon May 17 9:15:18 2010 |
| Another thought.
Is the bank doing an FHA .. |
Wed May 12 5:54:50 2010 |
| That is a gray area and only an accountant can .. |
Wed May 12 5:53:03 2010 |
| Angela, you are welcome. Good luck.
I am not .. |
Wed May 12 9:33:00 2010 |
| You may get a better answer if you identify the .. |
Wed May 12 9:21:08 2010 |
| You either need the $10,000 extra for home .. |
Wed May 12 9:16:50 2010 |
| It appears you have not owned a main home in past .. |
Wed May 12 9:03:47 2010 |
| Your wife's income may NOT be used to qualify for .. |
Wed May 12 8:58:48 2010 |
| Willy, If you were to make about $90,000 and you .. |
Wed May 12 8:51:30 2010 |
| If he signed the papers at closing, he is done .. |
Wed May 12 8:38:25 2010 |
| When you sign that a gift does not need to be .. |
Wed May 12 8:25:41 2010 |
| It does not happen a lot, however, sometimes they .. |
Wed May 12 8:14:37 2010 |
| Relatives can purchase from parents. That is not .. |
Wed May 12 8:08:32 2010 |
| Ron, besides the fees/costs looking like they are .. |
Tue May 11 4:09:00 2010 |
| The costs do not look out of line.
There are .. |
Tue May 11 5:25:35 2010 |
| The payment for $100,000 at 6% is $599.55
The .. |
Thu May 6 6:38:52 2010 |
| What state is it in
Make sure the owner does .. |
Wed Apr 28 3:00:15 2010 |
| Closing and ownership and occupancy must be on or .. |
Wed Apr 28 2:36:24 2010 |
| You do not want the property description .. |
Wed Apr 28 12:06:50 2010 |
| Minnesota is not one of the nine communtiy .. |
Wed Apr 28 12:04:33 2010 |
| You may do cash out refinace with conventionbal .. |
Wed Apr 28 11:58:35 2010 |
| The state does not matter.
One needs to be .. |
Wed Apr 28 11:54:24 2010 |
| Your house is paid off and you are retired. I do .. |
Wed Apr 28 11:52:53 2010 |
| Is your father paying the loan in full or just .. |
Wed Apr 28 11:41:05 2010 |
| Stated income mortgages are few and far between .. |
Wed Apr 28 11:37:21 2010 |
| It sounds like you would need a stated income .. |
Wed Apr 28 11:34:45 2010 |
| Definitley accept deed in lieu if they will do .. |
Wed Apr 28 11:29:28 2010 |
| It happens all the time due to the credit score .. |
Wed Apr 28 11:25:23 2010 |
| Fixed rates are low. If you are are going to .. |
Wed Apr 28 11:21:41 2010 |
| There is nothing wrong with owner financing. If .. |
Wed Apr 28 6:23:28 2010 |
| To be eligible for the tax credit you may not .. |
Wed Apr 28 6:20:49 2010 |
| This is a mortgage forum.
It does not hurt for .. |
Wed Apr 28 6:14:59 2010 |
| Credit score of 620 or higher would be .. |
Tue Apr 27 7:52:12 2010 |
| Shop around. It appears you applied someplace .. |
Mon Apr 26 10:49:25 2010 |
| The ARM will start adjusting after 12 months and .. |
Mon Apr 26 9:59:13 2010 |
| That is a good question.
IRS Form 5405 notes .. |
Mon Apr 26 9:54:50 2010 |
| Do you report the rental income on your tax .. |
Mon Apr 26 9:37:13 2010 |
| Your name can be on the deed and not on the .. |
Mon Apr 26 9:34:27 2010 |
| Assumptions may only be done if the exsiting .. |
Mon Apr 26 9:32:10 2010 |
| Is the first mortgage a Fannie Mae or a Freddie .. |
Mon Apr 26 9:27:56 2010 |
| You could have an ARM or a Balloon. Which is .. |
Mon Apr 26 9:25:04 2010 |
| When a lender declines a loan, they must give you .. |
Mon Apr 26 9:22:02 2010 |
| The national average rate for a one year ARM is .. |
Mon Apr 26 9:17:06 2010 |
| With less than 20% down payment, Private Mortgage .. |
Mon Apr 26 9:11:43 2010 |
| With less than 20% down payment, Private Mortgage .. |
Mon Apr 26 9:11:43 2010 |
| Those are tax accountant type questions and way .. |
Mon Apr 26 6:25:36 2010 |
| When it is added to principal it is pricipal and .. |
Mon Apr 26 6:22:28 2010 |
| Jim, I think because they are married he gets all .. |
Fri Apr 23 3:27:06 2010 |
| George, roll back would be good and the right .. |
Fri Apr 23 3:22:05 2010 |
| What is your score now
It is easier to .. |
Fri Apr 23 3:19:54 2010 |
| When you pay off old collection accounts the .. |
Fri Apr 23 3:14:48 2010 |
| Before paying of anything, check to see if your .. |
Fri Apr 23 3:07:21 2010 |
| Great time to refinance and protect yourself from .. |
Fri Apr 23 3:01:55 2010 |
| You work for a nonprofit. You do not own the .. |
Fri Apr 23 2:57:17 2010 |
| George, you ended up correctly. Recoup costs in .. |
Fri Apr 23 2:51:47 2010 |
| We do not know what bills you are paying off, but .. |
Fri Apr 23 2:41:11 2010 |
| Unfotunately, nothing overcomes bad credit. A .. |
Fri Apr 23 2:34:46 2010 |
| The criteria states she may not have owned a main .. |
Fri Apr 23 2:31:13 2010 |
| You are not on the mortgage. You do not owe .. |
Tue Apr 20 3:50:30 2010 |
| It makes sense that the most important thing is .. |
Mon Apr 19 6:33:51 2010 |
| You want to know if you qualify for any of the .. |
Mon Apr 19 6:28:15 2010 |
| There are some portfolio lenders who do them. .. |
Fri Apr 16 10:37:02 2010 |
| Rates are low now. Buy now.
As noted above, .. |
Tue Apr 13 12:13:10 2010 |
| Unfortunately, it appears true and .. |
Tue Apr 13 12:10:04 2010 |
| You would not be a first time buyer in the future .. |
Tue Apr 13 11:59:20 2010 |
| You would have to speak with an attorney to see .. |
Tue Apr 13 11:04:04 2010 |
| Best game plan is usually to call and speak with .. |
Tue Apr 13 10:57:28 2010 |
| As far as mortgage guidelines are concerned you .. |
Tue Apr 13 10:51:07 2010 |
| Lenders work with mortgages and mortgage .. |
Tue Apr 13 10:47:15 2010 |
| You can shop lenders for whom has lowest .. |
Tue Apr 13 10:43:16 2010 |
| Ask him to sign a quitclaim deed and take his .. |
Tue Apr 13 10:39:09 2010 |
| Fannie Mae has added .75 points for condominiums .. |
Tue Apr 13 10:34:38 2010 |
| REefinance is probabaly necessary. Never hurts .. |
Tue Apr 13 10:18:27 2010 |
| There are several companies which mortgage .. |
Tue Apr 13 10:13:44 2010 |
| Most banks have a requirement that you must keep .. |
Tue Apr 13 5:45:08 2010 |
| She is no longer on the mortgage
Was she on the .. |
Mon Apr 12 3:53:47 2010 |
| All moprtgage pricing/rates are determined by .. |
Mon Apr 12 6:40:06 2010 |
| Lots of people would offer help if they new .. |
Fri Apr 9 2:37:58 2010 |
| Sorry, I meant refinance not .. |
Fri Apr 9 2:34:55 2010 |
| Whether you pay extra principal or save $1,000 a .. |
Fri Apr 9 2:34:13 2010 |
| I spoke with a couple of underwriters and the .. |
Fri Apr 9 2:30:05 2010 |
| I have never heard of legislation that could .. |
Fri Apr 9 9:38:02 2010 |
| Is the existing mortgage an FHA .. |
Thu Apr 8 10:16:55 2010 |
| It may be a matter of interpreation as far as the .. |
Thu Apr 8 9:26:38 2010 |
| FLIPPING refers to purchase of a property and .. |
Wed Apr 7 3:53:23 2010 |
| The online mortgage company quoting 90 days may .. |
Wed Apr 7 1:32:35 2010 |
| 1. The portfolio lender I had in mind does not .. |
Wed Apr 7 12:08:41 2010 |
| Before I answer your question, I want to make .. |
Wed Apr 7 10:32:41 2010 |
| If you are asking if you can refinance and take .. |
Wed Apr 7 10:22:49 2010 |
| You can claim interest for the year in which it .. |
Wed Apr 7 10:16:52 2010 |
| NJ and CT and parts of PA and NY can do 30% down .. |
Wed Apr 7 10:14:09 2010 |
| Whoever else is on the mortgage would need to .. |
Wed Apr 7 10:08:43 2010 |
| I guess it never hurts to ask the .. |
Wed Apr 7 10:07:05 2010 |
| I understand you just added your wife to the .. |
Wed Apr 7 10:04:18 2010 |
| You can roll closing costs into the new loan .. |
Tue Apr 6 1:06:43 2010 |
| With conventional loan you can refinance up to .. |
Tue Apr 6 11:57:19 2010 |
| Cumberland County in PA is notr a high cost .. |
Tue Apr 6 11:38:04 2010 |
| Looks to me like you qualify for an $85,000 .. |
Tue Apr 6 11:23:39 2010 |
| What syaye and county is property in What are .. |
Tue Apr 6 9:42:26 2010 |
| In what state and what county is the property .. |
Tue Apr 6 9:37:46 2010 |
| I do not think you are any clearer.
You sold a .. |
Tue Apr 6 9:30:43 2010 |
| The mortgage payments for both houses will be .. |
Tue Apr 6 9:13:46 2010 |
| The only way to get your name off the loan is to .. |
Tue Apr 6 9:08:38 2010 |
| George, keep up the good fight. I'm sure that .. |
Mon Apr 5 9:40:33 2010 |
| As noted above, there are some risks.
If you .. |
Fri Apr 2 12:07:54 2010 |
| Is this a new condominium that is not all sold .. |
Fri Apr 2 12:04:07 2010 |
| Is there presently a mortgage on the property If .. |
Fri Apr 2 11:54:38 2010 |
| If I follow that correctly, you are currently .. |
Fri Apr 2 11:49:15 2010 |
| They just suspended the NINA program for the .. |
Thu Apr 1 8:20:38 2010 |
| You are not doing anything illegal. Now we .. |
Wed Mar 31 10:49:39 2010 |
| 1. If you just pay $98 extra monthly the loan .. |
Wed Mar 31 10:05:46 2010 |
| Personally, if I had room on HELOC to pay off .. |
Wed Mar 31 8:12:12 2010 |
| You are self employed. Must be self employed 24 .. |
Wed Mar 31 8:01:22 2010 |
| When someone has a mortgage on a property, it is .. |
Wed Mar 31 7:53:24 2010 |
| Are you saying you continued to pay the mortgage .. |
Wed Mar 31 7:40:08 2010 |
| If you efinance to a new $200,000 mortgage (I .. |
Wed Mar 31 7:34:29 2010 |
| You are already on the deed. You are an owner. .. |
Wed Mar 31 7:25:41 2010 |
| If you have a $114,000 mortgage at 5.125% for 30 .. |
Wed Mar 31 7:15:39 2010 |
| The owner has a mortgage and that mortgage was .. |
Wed Mar 31 7:03:50 2010 |
| I am not licensed in NC and I do not claim to .. |
Tue Mar 30 1:42:29 2010 |
| Your friend is fine. The loan is closed and no .. |
Tue Mar 30 12:11:19 2010 |
| It is not unusual at all for a debt not on the .. |
Tue Mar 30 11:42:10 2010 |
| They are included. Alimony and child support are .. |
Tue Mar 30 11:00:52 2010 |
| With taxes so low, I can add another $200 a month .. |
Tue Mar 30 10:56:36 2010 |
| Perhaps provide more details as to why Wells .. |
Tue Mar 30 9:41:58 2010 |
| It makes sense to refinance.
I would think the .. |
Tue Mar 30 9:37:30 2010 |
| There is no difference between any borrowers. A .. |
Tue Mar 30 9:34:07 2010 |
| Can you refinance. Rates are .. |
Tue Mar 30 9:28:21 2010 |
| It is not risky to buy a short sale. You either .. |
Tue Mar 30 9:26:23 2010 |
| Your mortgage balance started at $136,000. You .. |
Tue Mar 30 9:24:02 2010 |
| Monthly debts whether on your credit report or .. |
Tue Mar 30 9:17:33 2010 |
| Catt, if you are not married to the coborrower, .. |
Tue Mar 30 9:12:03 2010 |
| As Ted noted, if you shop enough you should be .. |
Tue Mar 30 9:09:14 2010 |
| I am not sure of the dollar amount of the medical .. |
Tue Mar 30 9:04:40 2010 |
| If the debts of $263 and $111 and $50 are in both .. |
Tue Mar 30 8:56:28 2010 |
| The APR appears to be accurate and .. |
Tue Mar 30 8:45:52 2010 |
| If you pay down the existing loan by $50,000, the .. |
Tue Mar 30 8:39:13 2010 |
| It is natural for you to seek answers from some .. |
Tue Mar 30 8:06:39 2010 |
| The first mortgage is a jumbo loan. I .. |
Thu Mar 25 12:25:35 2010 |
| Yes. Use the HUD-I Settlemnt statement as .. |
Thu Mar 25 12:09:45 2010 |
| Something does not add up quite right.
If you .. |
Thu Mar 25 12:04:46 2010 |
| Still do not know what state you are in I knew .. |
Wed Mar 24 5:10:01 2010 |
| See an accountant. The guidelines state you are .. |
Wed Mar 24 5:04:44 2010 |
| Whoever is on the NOTE is responsible for paying. .. |
Wed Mar 24 4:53:48 2010 |
| The condo risk is that not enough units are sold .. |
Wed Mar 24 4:49:53 2010 |
| NY Joe, that looks like a response right above .. |
Wed Mar 24 7:00:53 2010 |
| The question is how much time do I want to invest .. |
Mon Mar 22 3:38:41 2010 |
| I can not tell who owns the house.
Did the .. |
Mon Mar 22 3:00:57 2010 |
| The form is available in a couple minutes .. |
Mon Mar 22 2:53:40 2010 |
| Let me see if I have this correct.
You .. |
Mon Mar 22 6:32:07 2010 |
| Raymond is correct and anyone who has taken the .. |
Fri Mar 19 3:07:43 2010 |
| As George noted, somewhat confusing scenario and .. |
Fri Mar 19 2:54:40 2010 |
| The entire trust .. |
Thu Mar 18 2:51:58 2010 |
| George, I'm thinking a house gets most if its .. |
Tue Mar 16 2:28:29 2010 |
| It is written that store cards are not as useful .. |
Tue Mar 16 1:49:02 2010 |
| If the bank suggested the FHA loan, so be .. |
Tue Mar 16 11:23:02 2010 |
| confuse, do not refinance. It makes no sense .. |
Tue Mar 16 11:03:25 2010 |
| I am not familiar with FHA doing construction .. |
Tue Mar 16 10:38:41 2010 |
| I can not tell, do you have any open lines of .. |
Tue Mar 16 10:34:25 2010 |
| If you would disclose the zip code of the subject .. |
Tue Mar 16 10:20:51 2010 |
| The lender wil require flood insurance to cover .. |
Tue Mar 16 10:06:59 2010 |
| With an FHA mortgage you pay both the Up Front .. |
Tue Mar 16 10:01:21 2010 |
| Sounds like he priced something .. |
Tue Mar 16 9:50:34 2010 |
| You do not have to wait until next year. You can .. |
Tue Mar 16 9:45:11 2010 |
| If the tax lien is on the business and not you .. |
Tue Mar 16 9:43:17 2010 |
| Did you get a copy of your Truth-in-Lending .. |
Tue Mar 16 9:35:19 2010 |
| There is no penalty for refinancing to get rid of .. |
Tue Mar 16 9:25:34 2010 |
| There are several ways to structure gifts, but, a .. |
Tue Mar 16 9:18:03 2010 |
| I would think between an appraisal and a home .. |
Tue Mar 16 9:12:05 2010 |
| I am not an accountant, so, can not give you such .. |
Tue Mar 9 3:33:33 2010 |
| Pay $461 extra per month to pay off by Jan, .. |
Tue Mar 9 7:21:36 2010 |
| I do not think either of those calculations is .. |
Mon Mar 8 9:05:03 2010 |
| lwpickett, now I understand the question.
Find .. |
Mon Mar 8 8:52:35 2010 |
| George, I'm about 90% certain I've never heard of .. |
Fri Mar 5 5:04:28 2010 |
| Congratulations!!!
Good job. I love it when a .. |
Fri Mar 5 3:58:47 2010 |
| As George noted, nom lender is .. |
Fri Mar 5 3:52:45 2010 |
| You can get a commitment letter from a lender .. |
Fri Mar 5 3:48:26 2010 |
| When you say your monthly payment is $725, is .. |
Fri Mar 5 8:33:35 2010 |
| Perhaps I am missing something in the .. |
Thu Mar 4 1:53:52 2010 |
| It sounds like you are asking if a lender would .. |
Thu Mar 4 1:40:37 2010 |
| Sounds to me like the lender could not get FHA .. |
Thu Mar 4 6:58:03 2010 |
| Probably does not happen a lot. I have seen it, .. |
Wed Mar 3 2:38:45 2010 |
| You are undoubtedly correct and what happens when .. |
Wed Mar 3 2:26:47 2010 |
| If they do not respond, the credit bureau has no .. |
Wed Mar 3 2:13:26 2010 |
| Are you trying to remove the voluntary repo or .. |
Wed Mar 3 2:00:21 2010 |
| I would not be to sure your existing lender would .. |
Wed Mar 3 1:53:13 2010 |
| If you lived in the home as your main residence .. |
Wed Mar 3 1:41:55 2010 |
| If you lived in the home as your main residence .. |
Wed Mar 3 1:41:55 2010 |
| If you lived in the home as your main residence .. |
Wed Mar 3 1:39:51 2010 |
| There are people and organizations that buy .. |
Wed Mar 3 1:32:23 2010 |
| If you have a $25,000 balance and the monthly .. |
Wed Mar 3 1:27:17 2010 |
| If you have a $196,000 mortgage at 6% for 156 .. |
Wed Mar 3 1:21:27 2010 |
| It sounds to me like you already closed and you .. |
Wed Mar 3 1:16:27 2010 |
| A cosigner with a credit score of 540 will not .. |
Wed Mar 3 1:12:19 2010 |
| Due you owe money for the appraisal: Yes
Do .. |
Wed Mar 3 1:09:16 2010 |
| I know the name and the office locations. I have .. |
Wed Mar 3 12:56:57 2010 |
| joyce sanders, you can not get the credit but .. |
Wed Mar 3 12:46:53 2010 |
| All the information above is valid and .. |
Wed Mar 3 9:19:03 2010 |
| The classes you mention are required starting .. |
Mon Mar 1 4:14:33 2010 |
| Sunmicroman, no offense is taken. What you say .. |
Mon Mar 1 1:10:54 2010 |
| Goerge, well said as usual.
This is proof that .. |
Thu Feb 25 11:02:24 2010 |
| Good luck.
We would appreciate your getting .. |
Thu Feb 25 7:14:38 2010 |
| Dante, the guideline for being eligible for the .. |
Thu Feb 25 7:11:16 2010 |
| I'm voting for morally and ethically you would .. |
Wed Feb 24 5:27:38 2010 |
| All FNMA loans are conventional loans.
That .. |
Wed Feb 24 1:50:52 2010 |
| George, these days many lenders just do not get .. |
Wed Feb 24 1:12:07 2010 |
| Ted, you need to apologize twice. You posted .. |
Wed Feb 24 12:09:07 2010 |
| The criteria for the $8,000 tax credit is: If .. |
Wed Feb 24 11:54:05 2010 |
| Unfortunately, other than a cash buyer, I do not .. |
Wed Feb 24 11:45:19 2010 |
| You are required to disclose monthly obligations .. |
Wed Feb 24 11:40:50 2010 |
| We have many people on title who are not on the .. |
Wed Feb 24 11:23:22 2010 |
| You are welcome to prequalify anytime.
The .. |
Sun Feb 21 4:19:33 2010 |
| Granny, depends on what state you are in. In .. |
Sun Feb 21 4:12:26 2010 |
| The ONE YEAR LIBOR INDEX was at that .. |
Sun Feb 21 4:09:28 2010 |
| Unfortunately, if your credit is poor, you will .. |
Sun Feb 21 4:04:26 2010 |
| Thanks for the extra information.
I assume you .. |
Thu Feb 18 10:45:56 2010 |
| Sounds like you have your thinking cap on. .. |
Thu Feb 18 6:30:11 2010 |
| Fannie Mae section B2-1.2-04 states that an .. |
Mon Feb 8 5:24:33 2010 |
| If she is self employed, she will need two years .. |
Mon Feb 8 5:05:08 2010 |
| Perhaps.
Maybe not if the loan amount was .. |
Thu Feb 4 2:26:43 2010 |
| For a rate of 4.75% on a ten year fixed mortgage .. |
Thu Feb 4 2:19:14 2010 |
| OOPS
Thanks for the .. |
Thu Feb 4 2:12:02 2010 |
| That is legal to do in some states and not in .. |
Thu Feb 4 2:05:20 2010 |
| If your "broker" is a mortgage broker, .. |
Thu Feb 4 2:02:27 2010 |
| While there are other mortgages in the world, .. |
Thu Feb 4 1:55:54 2010 |
| Lenders can run your automated underwriting .. |
Thu Feb 4 1:44:31 2010 |
| For the states that require a non-borrowing .. |
Thu Feb 4 1:36:42 2010 |
| You will get one at the end of the .. |
Thu Feb 4 1:33:57 2010 |
| APRs on ARMs is very confusing. Often done .. |
Thu Feb 4 1:30:54 2010 |
| Unfortunate, for the consumers protection, .. |
Wed Feb 3 9:20:21 2010 |
| To the best of my knowleddge, there are no SIVA .. |
Wed Feb 3 8:49:44 2010 |
| I thought you were going to say you were declined .. |
Wed Feb 3 8:45:27 2010 |
| I am the Guest .. |
Tue Feb 2 4:29:33 2010 |
| There are Fannie Mae Guidelines and there are .. |
Tue Feb 2 3:05:22 2010 |
| High Balance Conforming loans are up to $729,750 .. |
Mon Feb 1 2:56:26 2010 |
| Fannie Mae and Freddie Mac both qualify self .. |
Tue Jan 26 7:59:33 2010 |
| mayday,
Short sale or foreclosure I am not a .. |
Wed Jan 20 6:57:03 2010 |
| As George notes, we are not accountants. We can .. |
Tue Jan 19 9:14:52 2010 |
| You purchased a rental property for cash (using .. |
Mon Jan 18 9:53:56 2010 |
| Cash the check and avoid all future problems that .. |
Mon Jan 18 9:34:27 2010 |
| Perhaps you are referring to he FHA Property .. |
Mon Jan 18 9:31:05 2010 |
| The son could purchase the house from you. Does .. |
Mon Jan 18 9:22:20 2010 |
| Fannie Mae and Freddie Mac condsider a loan a .. |
Mon Jan 18 9:13:47 2010 |
| The existing mortgage is not owned by Fannie .. |
Mon Jan 18 9:10:18 2010 |
| Interest only is not a bad idea. I almost wrote .. |
Tue Jan 12 10:52:55 2010 |
| Rental properties are considered by lenders to be .. |
Tue Jan 12 10:50:39 2010 |
| lindsay, without the $500 in alimony, just on the .. |
Tue Jan 12 10:42:20 2010 |
| As of December 28, 2005, both the upfront MIP and .. |
Tue Jan 12 10:35:38 2010 |
| Ellen, I replied to your question in your other .. |
Tue Jan 12 10:26:34 2010 |
| The mortgage is $98,278 now What balance did it .. |
Tue Jan 12 10:24:44 2010 |
| suquleasa, you should not provide information .. |
Tue Jan 12 10:14:36 2010 |
| Sounds like a good plan.
If you want to be a .. |
Tue Jan 12 10:04:50 2010 |
| wamacdonald1, GREAT INFORMATION ON THAT PA .. |
Tue Jan 12 9:52:58 2010 |
| I stick by my response above, but, someone who .. |
Mon Jan 11 3:47:55 2010 |
| A buyer is a buyer, no such thing as a main .. |
Mon Jan 11 3:45:16 2010 |
| Your in-laws can purchase a new home for you as .. |
Mon Jan 11 3:38:47 2010 |
| We do not know the state the property is located .. |
Mon Jan 11 3:25:54 2010 |
| You always pay the MIP with FHA loans, even in .. |
Mon Jan 11 7:47:46 2010 |
| If someone owns a home with a mortgage, the .. |
Fri Jan 8 2:20:19 2010 |
| As of December 14, 2009 the minimum credit score .. |
Fri Jan 8 2:05:33 2010 |
| Not sure. You would have to ask your .. |
Thu Jan 7 2:20:02 2010 |
| The two family needs to be in an authorized two .. |
Thu Jan 7 12:57:40 2010 |
| jenkin7, I do not believe your advice to be .. |
Thu Jan 7 12:43:55 2010 |
| pogonogo
Your present mortgage payment is .. |
Wed Jan 6 4:59:39 2010 |
| kbissing
If you refinance $280,000 to 15 fixed .. |
Wed Jan 6 4:47:44 2010 |
| If the property is put in your husband's name and .. |
Wed Jan 6 4:25:43 2010 |
| Fortunately, it is a coop, and you do not get .. |
Wed Jan 6 4:14:09 2010 |
| Mortgage guidelines address this scenario.
The .. |
Wed Jan 6 4:12:19 2010 |
| Can anyone give me the address to log onto the .. |
Wed Jan 6 4:04:53 2010 |
| This is a single wide mobile home, not on a .. |
Wed Jan 6 3:08:57 2010 |
| Looks like I submitted a reply without logging in .. |
Wed Jan 6 11:17:22 2010 |
| Thank you for providing the extra .. |
Wed Jan 6 7:51:34 2010 |
| An extra payment a year reduces the 30 year loan .. |
Wed Jan 6 7:47:40 2010 |
| The incentive to refinance is a loer interest .. |
Tue Jan 5 4:11:40 2010 |
| 1. Does 1994 manufac. mean a mobile home or a .. |
Tue Jan 5 4:06:35 2010 |
| Many of us lend in Pennsylvania.
You could .. |
Tue Jan 5 4:02:06 2010 |
| Your question is: How much extra should you .. |
Tue Jan 5 3:53:26 2010 |
| The house you live in is not presently rented and .. |
Tue Jan 5 3:48:16 2010 |
| Who owns the house Who is doing the owner .. |
Tue Jan 5 3:30:43 2010 |
| George, the mortgage described is Emigrant .. |
Tue Jan 5 3:23:38 2010 |
| Brokers can still get the rebate. The rebate is .. |
Wed Dec 30 4:58:52 2009 |
| The payment of $333.38 is a fully amortized .. |
Wed Dec 30 4:55:09 2009 |
| I have never seen a published rule or regulation .. |
Wed Dec 30 4:36:27 2009 |
| There is no downpayment, this is not a .. |
Tue Dec 29 1:35:28 2009 |
| Who is "they"
"They" are .. |
Tue Dec 29 1:27:12 2009 |
| I may be missing something here. If the present .. |
Tue Dec 29 1:21:38 2009 |
| What state is the property in
I suggest you .. |
Tue Dec 29 12:56:52 2009 |
| Difficult to answer as some things are not too .. |
Tue Dec 29 12:52:02 2009 |
| If you are not on the deed, you are not an owner. .. |
Tue Dec 29 12:35:02 2009 |
| Fannie Mae in Announcement 08-22 dated September .. |
Tue Dec 29 12:30:50 2009 |
| CEMA stands for Consolidation, Extesnion and .. |
Tue Dec 29 12:17:47 2009 |
| Investor1, refinancing should be ok as long as .. |
Tue Dec 29 12:10:15 2009 |
| I am not familiar with Indiana local .. |
Tue Dec 29 10:20:26 2009 |
| I know other people in the same situation. They .. |
Mon Dec 28 1:02:44 2009 |
| To answer your question, need to know the present .. |
Mon Dec 28 12:56:57 2009 |
| You do not need to get your fiance on title .. |
Mon Dec 28 12:54:54 2009 |
| As a start, are any of the four ARMs owned by .. |
Mon Dec 28 12:28:30 2009 |
| George, zero loans with over 8,000 posts.
That .. |
Mon Dec 21 4:03:35 2009 |
| George, CONGRATULATIONS and Happy .. |
Mon Dec 21 3:58:09 2009 |
| You got your loan from a bank. That does not .. |
Tue Dec 15 7:48:50 2009 |
| George aks the question: What would be the .. |
Mon Dec 14 3:45:21 2009 |
| Your required monthly principal and interest .. |
Mon Dec 14 3:41:38 2009 |
| Not sure what you mean by (actually bank) the .. |
Mon Dec 14 3:10:34 2009 |
| You will definitely be able to get a mortgage on .. |
Mon Dec 14 2:58:38 2009 |
| Probably a minimum of three years after the final .. |
Mon Dec 14 2:36:53 2009 |
| If you pay $1,000 every month, the loan will pay .. |
Fri Dec 11 9:52:09 2009 |
| While you are thanking me, I would note that the .. |
Wed Dec 9 3:57:19 2009 |
| The mortgage is owned by Fannie Mae. That is a .. |
Wed Dec 9 3:41:32 2009 |
| The special refinancing programs that exist allow .. |
Wed Dec 9 2:58:58 2009 |
| Is your existing mortgage owned by Fannie Mae or .. |
Wed Dec 9 2:47:38 2009 |
| Not aware of a calculator for your scenario .. |
Wed Dec 9 2:41:49 2009 |
| Lenders offer a 30/15 because the rate is often a .. |
Wed Dec 9 2:38:08 2009 |
| Try googling .. |
Wed Dec 9 2:27:26 2009 |
| You seem to be asking about making one extra .. |
Wed Dec 9 2:26:42 2009 |
| The monthly principal and interest payment on a .. |
Wed Dec 9 2:22:51 2009 |
| You are both equal borrowers.
You are .. |
Wed Dec 9 2:19:18 2009 |
| If you note the state and county in which the .. |
Wed Dec 9 2:14:25 2009 |
| savior70 described the loan properly, but, the .. |
Wed Dec 9 2:11:58 2009 |
| I can not tell if all the questions are from the .. |
Wed Dec 9 2:09:27 2009 |
| I sent the above message before logging in, so, I .. |
Wed Dec 9 8:59:48 2009 |
| There are a number if issues here:
1. If the .. |
Mon Dec 7 2:58:34 2009 |
| Good luck.
We know your income and are looking .. |
Fri Dec 4 3:53:27 2009 |
| George is correct in that the likelihood you .. |
Fri Dec 4 10:55:08 2009 |
| Thanks. I'm always glad to discover/learn .. |
Fri Dec 4 8:49:33 2009 |
| I am referring to Schedule A also.
Lenders .. |
Fri Dec 4 8:45:46 2009 |
| George, I'm not exactly sure how such a purchase .. |
Fri Dec 4 8:24:25 2009 |
| scratchy atom, disregard whatever adonis is .. |
Fri Dec 4 8:13:21 2009 |
| A quit claim deed is not a purchase.
To verify .. |
Thu Dec 3 12:43:18 2009 |
| By all means do not report any, or, as little as .. |
Thu Dec 3 12:37:46 2009 |
| George, interesting information.
You have time .. |
Wed Dec 2 3:49:28 2009 |
| A VOE loan is a loan process which verifes your .. |
Wed Dec 2 3:46:55 2009 |
| If your present loan is with B of A and your new .. |
Wed Dec 2 3:40:59 2009 |
| Right now we can get automated underwriting .. |
Wed Dec 2 3:31:36 2009 |
| She needs the title in her .. |
Wed Dec 2 3:23:58 2009 |
| You have to call the lender and ask if you can .. |
Wed Dec 2 3:20:26 2009 |
| George, did you have extra time on your hands. .. |
Wed Dec 2 3:14:18 2009 |
| Check with an attorney.
There are several .. |
Wed Dec 2 3:11:29 2009 |
| Good idea, enjoy Christmas.
Did you by any .. |
Wed Dec 2 3:07:34 2009 |
| Congratulations. Wise .. |
Tue Dec 1 3:04:14 2009 |
| The one year MTA is at .544 today. Add to that .. |
Tue Dec 1 2:52:39 2009 |
| Check with attorney first.
I am not an .. |
Tue Dec 1 2:32:12 2009 |
| Short term, you will be ok with the ARM for the .. |
Tue Dec 1 8:37:19 2009 |
| Perhaps you are just using incorrect terminology. .. |
Tue Dec 1 8:33:35 2009 |
| There is not a lender in the United States that .. |
Tue Dec 1 8:28:22 2009 |
| Kerri, what is the reason for the .. |
Tue Dec 1 8:23:17 2009 |
| The lenders are local and are not national. They .. |
Tue Dec 1 8:15:35 2009 |
| Although already answered several times, I'll .. |
Wed Nov 25 1:15:13 2009 |
| Avoid the hassle of refinancing.
If you have .. |
Wed Nov 25 1:05:02 2009 |
| Why would you be looking for a 15 year mortgage .. |
Wed Nov 25 12:51:52 2009 |
| We can determine what mortgage amount would be .. |
Wed Nov 25 12:39:38 2009 |
| You have to ask your existing lender if you have .. |
Wed Nov 25 12:29:20 2009 |
| The appraisal a year ago may or may not be valid .. |
Wed Nov 25 12:19:50 2009 |
| Is the construction complete or are you looking .. |
Wed Nov 25 12:04:14 2009 |
| The Truth-in-Lending Act, which is Title I of the .. |
Wed Nov 25 7:19:11 2009 |
| George, you would probabaly be a lot happier if .. |
Tue Nov 24 12:17:42 2009 |
| While the circumstances are unfortunate, why .. |
Tue Nov 24 12:13:12 2009 |
| All the fees listed on the GFE are not required .. |
Tue Nov 24 11:06:44 2009 |
| There are recent mortgage guidelines in the .. |
Tue Nov 24 10:46:39 2009 |
| Should not be a problem. Your driver's license .. |
Tue Nov 24 10:38:27 2009 |
| If you wait until six months to refinance, the .. |
Tue Nov 24 10:32:44 2009 |
| The first credit a lender looks at is yours. If .. |
Tue Nov 24 10:24:16 2009 |
| Check with an accountant. He may be a first time .. |
Mon Nov 23 9:07:12 2009 |
| A quitclaim takes her name off the deed, however, .. |
Mon Nov 23 9:03:20 2009 |
| feelmydread, Sounds like you are moving along .. |
Mon Nov 23 7:05:59 2009 |
| Conventional mortgages treat consolidating a .. |
Mon Nov 23 7:03:27 2009 |
| Probaly can not do the transfer.
Several years .. |
Fri Nov 20 1:12:36 2009 |
| HOA fees are not what you wanted to use the .. |
Fri Nov 20 1:09:29 2009 |
| You are entitled to one free credit report per .. |
Thu Nov 19 3:46:23 2009 |
| What George said.
Besides that they have 20 .. |
Thu Nov 19 3:39:23 2009 |
| I was about to write the same thing you .. |
Thu Nov 19 3:34:35 2009 |
| lkranda, while you know what you are talking .. |
Thu Nov 19 3:29:21 2009 |
| Thank you for clarifying.
The answer is still .. |
Wed Nov 18 1:36:29 2009 |
| I agree as long as there is a legal buyout .. |
Wed Nov 18 1:30:08 2009 |
| To answer the original question, a 720 credit .. |
Wed Nov 18 11:30:54 2009 |
| You do NOT have to do a quit claim deed before .. |
Wed Nov 18 11:12:22 2009 |
| Better check what you have now before September .. |
Wed Nov 18 11:05:38 2009 |
| If you are looking to put title of the property .. |
Wed Nov 18 10:47:24 2009 |
| It applies to purchases or refinances.
No .. |
Mon Nov 16 11:36:36 2009 |
| Early payment defaults are normally missing the .. |
Mon Nov 16 9:22:47 2009 |
| George, Scott got that info from the fraud that .. |
Fri Nov 13 11:29:26 2009 |
| Child support can be used as income as long as it .. |
Fri Nov 13 11:25:00 2009 |
| You should be fine.
Just have a buyout .. |
Fri Nov 13 7:20:23 2009 |
| We do not know what is written in your insurance .. |
Thu Nov 12 4:10:52 2009 |
| If you are both equal owners, maybe your mother .. |
Thu Nov 12 4:09:20 2009 |
| Are you on title I understand you have an .. |
Thu Nov 12 3:51:33 2009 |
| As George noted above, FHA works and is the .. |
Tue Nov 10 2:13:08 2009 |
| Please clarify the question.
Which home did .. |
Tue Nov 10 2:00:17 2009 |
| Bahlk,
Are you asking this question because .. |
Tue Nov 10 1:54:18 2009 |
| Based o the numbers you provide, ball park .. |
Fri Nov 6 11:01:48 2009 |
| Check with the accountant.
If there is a legal .. |
Fri Nov 6 10:50:02 2009 |
| It is based on your age and the property .. |
Fri Nov 6 10:47:05 2009 |
| Total Annual Loan Cost of a Reverse .. |
Fri Nov 6 10:44:44 2009 |
| A mortgage on your credit report does not mess up .. |
Fri Nov 6 10:42:11 2009 |
| The policies with Fannie Mae and Freddie Mac .. |
Fri Nov 6 10:37:02 2009 |
| If, when your husband purchased the home in .. |
Fri Nov 6 10:28:36 2009 |
| Victoria
What state is the property .. |
Fri Nov 6 9:39:40 2009 |
| Tax advisor/accountant is defintely the way to .. |
Fri Nov 6 8:29:43 2009 |
| The equity in the present home is not officially .. |
Fri Nov 6 8:26:16 2009 |
| What you are asking is possible if your present .. |
Thu Nov 5 3:35:48 2009 |
| As George noted, if Citimortgage said OK, then .. |
Thu Nov 5 3:29:06 2009 |
| If you get married before you buy the house and .. |
Thu Nov 5 3:15:21 2009 |
| Neither of you as a married couple may have owned .. |
Thu Nov 5 3:10:02 2009 |
| The PMI payments are paid to the private mortgage .. |
Thu Nov 5 3:04:49 2009 |
| It sounds like your current home is listed for .. |
Thu Nov 5 2:59:15 2009 |
| Alimony is alimony and tax payments are tax .. |
Thu Nov 5 2:47:21 2009 |
| Best wishes. Hope it works out .. |
Thu Nov 5 10:55:23 2009 |
| The lender uses the lowest middle score of all .. |
Thu Nov 5 10:11:58 2009 |
| The laws probably vary from state to state as far .. |
Wed Nov 4 10:48:02 2009 |
| You may "request" the seller to fix .. |
Wed Nov 4 10:38:36 2009 |
| Is the existing $30,000 mortgage a Fannie Mae or .. |
Wed Nov 4 10:23:50 2009 |
| Chris, non-occupant cosigners are .. |
Wed Nov 4 10:14:25 2009 |
| I imagine the requirement to have a home .. |
Wed Nov 4 10:09:26 2009 |
| Not sure what state you are located in. In New .. |
Wed Nov 4 9:59:57 2009 |
| Based on the numbers you have provided, there is .. |
Wed Nov 4 9:55:15 2009 |
| leeelliot61, if you would like to note in which .. |
Wed Nov 4 9:43:01 2009 |
| Cosigners are permitted for FHA 203(k) and FHA .. |
Wed Nov 4 9:33:15 2009 |
| The minimum down payment for an FHA mortgage is .. |
Wed Nov 4 9:26:58 2009 |
| If permits were never gotten, the town never knew .. |
Tue Nov 3 4:04:26 2009 |
| It is a refinance. Just becasue there is no .. |
Tue Nov 3 3:58:53 2009 |
| If your wife's credit score is over 660, I would .. |
Tue Nov 3 3:53:48 2009 |
| Not only would I say that is fair, I would say it .. |
Tue Nov 3 3:49:55 2009 |
| Lender is required to drop the PMI when the .. |
Tue Nov 3 3:48:09 2009 |
| Tax returns are required for 1099 income and the .. |
Tue Nov 3 3:15:30 2009 |
| You have been approved for a mortgage.
You have .. |
Mon Nov 2 2:58:13 2009 |
| I missed the subject--FHA Streamline. It was not .. |
Mon Nov 2 2:23:10 2009 |
| When refinancing, the new mortgage is often a .. |
Mon Nov 2 2:16:53 2009 |
| We do not really know "legal" issues .. |
Mon Nov 2 2:03:47 2009 |
| FHA mortgages are assumable which means someone .. |
Mon Nov 2 1:53:28 2009 |
| You appear to have equity in the property so .. |
Mon Nov 2 9:58:17 2009 |
| The form is good to be used for 60 days. .. |
Mon Nov 2 9:31:52 2009 |
| A calcualtor using a debt ratio of 25% is very .. |
Mon Nov 2 9:12:41 2009 |
| If you have a fixed rate mortgage, the payments .. |
Mon Nov 2 9:02:29 2009 |
| The answer depends on your game plan for the .. |
Mon Nov 2 8:57:52 2009 |
| George, you are correct. I was a little .. |
Fri Oct 30 2:39:30 2009 |
| When you buy or refinance a home that is your .. |
Fri Oct 30 12:08:55 2009 |
| I am not aware of any first or second mortgage .. |
Thu Oct 29 12:52:52 2009 |
| Documents are audited to see if they were .. |
Thu Oct 29 12:12:10 2009 |
| If you are making a 20% down payment and have a .. |
Wed Oct 28 2:40:46 2009 |
| Early payment does not change the monthly payment .. |
Wed Oct 28 2:33:48 2009 |
| I am not aware of any time restriction on .. |
Wed Oct 28 2:27:34 2009 |
| Title/ownership is not reported to anyone's .. |
Wed Oct 28 2:21:54 2009 |
| Home Equity Lines of Credit (HELOC) have a rate .. |
Wed Oct 28 11:04:15 2009 |
| While I did not take a survey, I would guess that .. |
Wed Oct 28 10:47:54 2009 |
| Under the Home Affordable Program, the second .. |
Wed Oct 28 10:44:13 2009 |
| The question is regarding a home equity with 24 .. |
Wed Oct 28 10:38:06 2009 |
| The seller had an appraisal done to remove PMI. .. |
Wed Oct 28 10:33:59 2009 |
| You definitely qualify for the tax credit if .. |
Tue Oct 27 3:08:26 2009 |
| Several years ago I saw a mortgage for invetsment .. |
Tue Oct 27 2:55:27 2009 |
| You will not get a 4.50% rate for a 20 year fixed .. |
Mon Oct 26 1:10:32 2009 |
| Mortgage professionals usually regard a Home .. |
Mon Oct 26 1:06:45 2009 |
| The value of the dollar is not one of the reasons .. |
Mon Oct 26 12:58:52 2009 |
| If you paid down $10,000 and the monthly payment .. |
Mon Oct 26 12:52:39 2009 |
| You better check with an accountant.
Taxpayers .. |
Mon Oct 26 12:43:49 2009 |
| You are eligible for the first time homebuyer .. |
Fri Oct 23 3:47:12 2009 |
| The answer depends on what you consider to be a .. |
Fri Oct 23 3:43:05 2009 |
| It is probably not correct to say that 100% of .. |
Fri Oct 23 3:33:14 2009 |
| I would have no idea.
The standard Fannie Mae .. |
Fri Oct 23 7:54:51 2009 |
| Roger, you did not know you have a second .. |
Fri Oct 23 7:29:56 2009 |
| Cosigners and coborrowers do not change your .. |
Thu Oct 22 2:57:14 2009 |
| Google has listings for WHEDA loans, whioch .. |
Thu Oct 22 2:19:17 2009 |
| To pay off a $262,000 mortgage at 5.875% in 15 .. |
Thu Oct 22 2:12:23 2009 |
| As noted, normally first payment is due the first .. |
Thu Oct 22 2:05:46 2009 |
| Interesting game plan.
If someone had a .. |
Thu Oct 22 1:27:41 2009 |
| You do have to purchase the property as an owner .. |
Thu Oct 22 12:57:39 2009 |
| It is a refinance as you already own the .. |
Thu Oct 22 12:49:11 2009 |
| "Assumable" mortgages are not .. |
Thu Oct 22 6:26:50 2009 |
| With a credit score that low it is unlikely you .. |
Wed Oct 21 9:43:16 2009 |
| If you are separated but on the deed, you are .. |
Wed Oct 21 9:33:59 2009 |
| It is interesting that your husband has a .. |
Wed Oct 21 9:22:13 2009 |
| Whether or not the mortgage is "OWNED" .. |
Wed Oct 21 9:07:55 2009 |
| You can not take his name off the deed without .. |
Wed Oct 21 8:58:30 2009 |
| Without seeing what you are reading, we can only .. |
Wed Oct 21 8:55:13 2009 |
| The borrower is paid cash and is in the process .. |
Wed Oct 21 8:48:14 2009 |
| Just a note, adding your name to the title does .. |
Wed Oct 21 6:21:42 2009 |
| Benjamin, as an aside, you are one of the few .. |
Tue Oct 20 1:19:07 2009 |
| What the rate is in five years is one .. |
Tue Oct 20 1:14:05 2009 |
| Already stated above, however, still seems to be .. |
Tue Oct 20 1:09:29 2009 |
| Forgot to mention, your husband's and your will .. |
Tue Oct 20 12:57:44 2009 |
| The answer probably depends upon in which state .. |
Tue Oct 20 12:56:07 2009 |
| Raymond, the announcement of FHA minimum credit .. |
Tue Oct 20 10:54:01 2009 |
| No answer yet.
No telling when they--the .. |
Tue Oct 20 10:24:00 2009 |
| It should be possible to do a first mortgage cash .. |
Tue Oct 20 10:22:20 2009 |
| You're doing a good job--already paying extra and .. |
Tue Oct 20 8:35:28 2009 |
| If two credit bureaus do not show a dispute, it .. |
Tue Oct 20 6:13:26 2009 |
| Probably does not make much sense to .. |
Mon Oct 19 3:31:57 2009 |
| The procedure to remove your husband from the .. |
Mon Oct 19 3:06:13 2009 |
| I understand your thoughts and feelings.
We .. |
Mon Oct 19 1:11:38 2009 |
| You indicate the bank made you the principal .. |
Mon Oct 19 12:02:44 2009 |
| The only way to release Mom from any .. |
Mon Oct 19 11:51:16 2009 |
| Fannie Mae and Freddie Mac guidelines do NOT .. |
Mon Oct 19 11:11:56 2009 |
| That was me answering above without having logged .. |
Mon Oct 19 10:44:59 2009 |
| What you state is correct. The right of MERS not .. |
Mon Oct 19 9:37:08 2009 |
| If there is at least one borrower obligated on .. |
Mon Oct 19 9:33:26 2009 |
| There are three credit bureaus. To remove the .. |
Mon Oct 19 7:37:21 2009 |
| The gift letter is signed stating one is agreeing .. |
Mon Oct 19 7:30:40 2009 |
| The federal mileage deduction includes costs for .. |
Mon Oct 19 7:21:53 2009 |
| You indicate you do not have any delinquent .. |
Fri Oct 16 9:10:57 2009 |
| If your existing mortgage is owned by Fannie Mae .. |
Fri Oct 16 9:06:39 2009 |
| The automated underwriting is being updated the .. |
Fri Oct 16 8:55:55 2009 |
| As noted above, you will not be able to take cash .. |
Thu Oct 15 10:48:51 2009 |
| New York state has a mortgage tax---other states .. |
Thu Oct 15 10:40:15 2009 |
| Numerous inquiries on your credit report do lower .. |
Thu Oct 15 10:36:24 2009 |
| When you say you will take $107,500 from your .. |
Thu Oct 15 10:14:48 2009 |
| The math does not add up for me.
First of all, .. |
Wed Oct 14 1:40:31 2009 |
| No, not as long as the mortgage payments continue .. |
Wed Oct 14 1:23:18 2009 |
| I can not tell if you are talking about getting a .. |
Wed Oct 14 1:22:04 2009 |
| Probably not.
Ask the lender or read your .. |
Wed Oct 14 1:16:46 2009 |
| The credit scores that you get from your personal .. |
Wed Oct 14 1:13:05 2009 |
| I would suggest that it does not hurt your credit .. |
Wed Oct 14 1:08:13 2009 |
| Credit cards are not secured loans. They can not .. |
Wed Oct 14 1:00:07 2009 |
| Mortgage qualification for self employed requires .. |
Wed Oct 14 12:52:50 2009 |
| Most of us are mortgage people and we do not .. |
Wed Oct 14 9:35:13 2009 |
| Many banks notify borrowers that they may be able .. |
Wed Oct 14 8:59:14 2009 |
| Assuming you have a credit score of 620 or higher .. |
Wed Oct 14 8:34:48 2009 |
| If the judge said the bank was not permitted to .. |
Wed Oct 14 8:30:16 2009 |
| A bank can call a loan due a day after funding if .. |
Wed Oct 14 8:18:36 2009 |
| Raymond, FHA is making the minimum score 620 on .. |
Tue Oct 13 11:20:23 2009 |
| There are probably some lenders in the world who .. |
Tue Oct 13 11:14:35 2009 |
| The 125% Freddie Mac Relief Refinance program .. |
Tue Oct 13 11:10:36 2009 |
| If your name is not on the mortgage, there should .. |
Tue Oct 13 11:07:08 2009 |
| You could quit claim deed the property into your .. |
Tue Oct 13 11:04:52 2009 |
| The mortgage is over $417,000, so, it is a jumbo .. |
Tue Oct 13 10:58:45 2009 |
| If you have been paying the mortgage for Mo since .. |
Tue Oct 13 10:38:40 2009 |
| You have to ask the existing lender if there are .. |
Tue Oct 13 10:31:48 2009 |
| A Home Mortgage helps you buy and own residential .. |
Tue Oct 13 10:29:34 2009 |
| An important part of suggesting that it is or is .. |
Tue Oct 13 10:25:46 2009 |
| Judy, your question makes it sound like you are .. |
Mon Oct 12 11:37:18 2009 |
| LPMI is Lender Paid Mortgage Insurance. It is a .. |
Thu Oct 8 2:33:21 2009 |
| The IRS Form 4506-T is used to get transcripts of .. |
Thu Oct 8 2:28:22 2009 |
| If your existing mortgage is owned by Fannie Mae .. |
Thu Oct 8 2:24:30 2009 |
| A second/vacation home 50 miles away is fine. .. |
Thu Oct 8 2:19:28 2009 |
| There are only two things you can do:
1. Try to .. |
Thu Oct 8 2:03:16 2009 |
| I am not sure. You have to check with an .. |
Wed Oct 7 1:05:16 2009 |
| Conventional refinance streamline programs were .. |
Wed Oct 7 11:41:08 2009 |
| Is your first mortgage owned by Fannie Mae or .. |
Wed Oct 7 11:34:42 2009 |
| As George noted, start barking.
Ask for the .. |
Wed Oct 7 11:27:58 2009 |
| It is not necessary that I restate the same .. |
Wed Oct 7 11:23:46 2009 |
| George's answer is short and correct.
Not only .. |
Wed Oct 7 11:15:36 2009 |
| If you refinance to a $150,000 mortgage on .. |
Tue Oct 6 10:03:17 2009 |
| This might not be an "either or" .. |
Tue Oct 6 9:48:21 2009 |
| You need to make a minimum down payment of 3.500% .. |
Tue Oct 6 9:33:41 2009 |
| I am missing the gist of the question.
You can .. |
Tue Oct 6 9:29:19 2009 |
| One to four family owner occupied .. |
Tue Oct 6 9:25:30 2009 |
| The limitations on an FHA mortgage of any type .. |
Tue Oct 6 9:24:16 2009 |
| As noted above, PREPAID items by the sound of the .. |
Tue Oct 6 9:17:07 2009 |
| I have never heard of increasing credit scores by .. |
Tue Oct 6 9:04:20 2009 |
| You can pay discount points before the loan .. |
Tue Oct 6 9:00:38 2009 |
| There are regional stated income programs for .. |
Tue Oct 6 8:59:09 2009 |
| I just called the IRS. I do not know state .. |
Mon Oct 5 12:53:38 2009 |
| What is the reason you can not get an FHA 203k .. |
Mon Oct 5 11:14:40 2009 |
| If an owner is holding a note (mortgage) the .. |
Mon Oct 5 10:53:13 2009 |
| Cash out proceeds are not .. |
Mon Oct 5 10:51:12 2009 |
| The larger the loan amount, the more it may may .. |
Mon Oct 5 10:50:22 2009 |
| Normally, when there is a large increase in .. |
Fri Oct 2 11:26:33 2009 |
| Never heard of a seller who would not sell to .. |
Fri Oct 2 11:09:14 2009 |
| Each state has its own maximums for prepayment .. |
Thu Oct 1 2:17:32 2009 |
| The pros: You get to sell the property, get cash .. |
Thu Oct 1 1:55:40 2009 |
| Your math is correct in that she does not walk .. |
Thu Oct 1 9:13:31 2009 |
| You shorten the term of the loan, but, your .. |
Thu Oct 1 9:05:04 2009 |
| stevecomish,
When you ask about mortgage .. |
Wed Sep 30 3:12:39 2009 |
| Only one person in our comany can contact them to .. |
Wed Sep 30 3:08:20 2009 |
| Monthly MI is included in the calculation of the .. |
Wed Sep 30 3:05:47 2009 |
| Boston22....
Gift of Equity is fine. The gift .. |
Wed Sep 30 3:00:34 2009 |
| If your existing mortgage si owned by Fannie Mae .. |
Wed Sep 30 2:44:40 2009 |
| What county in New York
I ask that question .. |
Wed Sep 30 2:42:19 2009 |
| We are licensed in NY if that is where the .. |
Wed Sep 30 6:56:17 2009 |
| Any mortgage can be processed subject to the sale .. |
Wed Sep 30 6:50:09 2009 |
| At what stage of the process are you in Thinking .. |
Wed Sep 30 6:45:58 2009 |
| Debt ratios up to 50% can be done right now, .. |
Wed Sep 30 6:23:38 2009 |
| The advice above is of course, correct.
Out of .. |
Tue Sep 29 12:53:43 2009 |
| Bridge loans on a co-op will require some .. |
Tue Sep 29 12:43:27 2009 |
| Perhaps explain a little more.
What mortgage, .. |
Tue Sep 29 12:37:47 2009 |
| If you can get the 80-10-10 for the purchase, .. |
Tue Sep 29 12:31:33 2009 |
| Unfortunately, I can not suggest any help in the .. |
Tue Sep 29 12:24:00 2009 |
| If your debt ratios are in the 50%+, checkout .. |
Tue Sep 29 9:54:17 2009 |
| Owner financing is fine. As long as this is your .. |
Fri Sep 25 8:29:00 2009 |
| The credit scores are fine for an FHA .. |
Thu Sep 24 8:12:25 2009 |
| Beside payments of principal and interest, the .. |
Thu Sep 24 7:35:33 2009 |
| Did you already buy the house
If not, maybe .. |
Wed Sep 23 2:41:36 2009 |
| Wife with Questions: You may get better answers .. |
Wed Sep 23 2:35:51 2009 |
| This is a mortgage information site and you are .. |
Wed Sep 23 2:29:45 2009 |
| The equity gets less as home value declines. It .. |
Wed Sep 23 2:24:47 2009 |
| If you have a fixed rate mortgage, paying down a .. |
Wed Sep 23 9:04:12 2009 |
| You should be able to do a streamline FHA .. |
Mon Sep 21 1:30:39 2009 |
| Hoddjinn, stated income mortgages do not exist .. |
Mon Sep 21 9:09:58 2009 |
| Conventional sreamline refinances were discontued .. |
Fri Sep 18 12:03:46 2009 |
| Just rough calculation because we do not know .. |
Fri Sep 18 9:00:29 2009 |
| You should not be switching from conventionbal to .. |
Fri Sep 18 8:49:28 2009 |
| Archie14p, do you ask that question because you .. |
Fri Sep 18 6:26:30 2009 |
| There is no limit to the number of items you can .. |
Thu Sep 17 6:53:55 2009 |
| I'm trying to add my photo. Hope it works. .. |
Thu Sep 17 6:41:26 2009 |
| Thank you for your thoughts to me. I appreciate .. |
Thu Sep 17 6:28:24 2009 |
| The appraiser is supposed to take that into .. |
Wed Sep 16 3:23:22 2009 |
| Call the 800 Customer Service telephone number on .. |
Wed Sep 16 3:16:57 2009 |
| George, of course, is correct.
To explain a .. |
Wed Sep 16 3:12:32 2009 |
| A demat account is a DEMATERIALIZED ACCOUNT in .. |
Wed Sep 16 3:08:51 2009 |
| All good advice above.
A weekly payment would .. |
Wed Sep 16 2:44:49 2009 |
| Your housing debt ratio will be about 25% or less .. |
Wed Sep 16 2:35:14 2009 |
| What three or more comparable properties is the .. |
Wed Sep 16 2:27:38 2009 |
| While the FHA guidelines note that the accepted .. |
Tue Sep 15 9:18:14 2009 |
| Reserves are required for FHA mortgages on 3 and .. |
Mon Sep 14 11:29:05 2009 |
| All the unfortunate possibilities concern you and .. |
Fri Sep 11 7:16:40 2009 |
| With the new mortgage guidelines in effect, be .. |
Thu Sep 10 10:00:38 2009 |
| Points may be DISCOUNT POINTS or ORIGINATION .. |
Thu Sep 10 9:53:22 2009 |
| If you are doing an FHA mortgage, the Monthly .. |
Thu Sep 10 9:49:08 2009 |
| The rate for a 630 credit score is 3.00 points .. |
Tue Sep 8 11:25:10 2009 |
| As Sara noted above, anybody is allowed to give .. |
Fri Sep 4 11:11:24 2009 |
| All stated above is correct along as your income .. |
Thu Sep 3 8:58:41 2009 |
| Your name was never taken off the mortgage, so, .. |
Thu Sep 3 8:56:31 2009 |
| Deed and title are the same thing.
If your are .. |
Thu Sep 3 8:51:11 2009 |
| There are no discounts available. There used to .. |
Thu Sep 3 8:46:39 2009 |
| Yes .. |
Thu Sep 3 8:45:13 2009 |
| Besides being added to title, you need to be on .. |
Tue Sep 1 12:54:42 2009 |
| FHA spot approvals are discontinued as of October .. |
Tue Sep 1 12:49:32 2009 |
| PMI was tax deductible last year, not sure if .. |
Tue Sep 1 12:40:18 2009 |
| Yes, a 751 credit score is very good for a .. |
Tue Sep 1 12:29:18 2009 |
| Student,
Somewhat interesting you are tossing .. |
Mon Aug 31 2:05:00 2009 |
| If the Up Front Mortgage Insurance Premium is .. |
Mon Aug 31 1:46:41 2009 |
| Quicken loans offered 4.875%
What points or .. |
Fri Aug 28 2:22:28 2009 |
| When I saw the subject, I was going to answer WHY .. |
Fri Aug 28 2:10:47 2009 |
| SD<
Contact George (above)
On this blog he .. |
Fri Aug 28 2:07:45 2009 |
| If your middle credit scores are 740 or higher it .. |
Fri Aug 28 2:03:59 2009 |
| Typically minimu credit score these days for an .. |
Fri Aug 28 1:57:33 2009 |
| FHA is pretty standard, but, that APR is not .. |
Thu Aug 27 12:45:20 2009 |
| It is possible, however, you need to work with .. |
Thu Aug 27 11:44:51 2009 |
| The condo is in litigation--as the plaintiff or .. |
Thu Aug 27 11:35:46 2009 |
| There is some question about what you will do .. |
Thu Aug 27 11:31:38 2009 |
| There is some question about what you will do .. |
Thu Aug 27 11:31:38 2009 |
| The APR is the cost of the loan over the life of .. |
Thu Aug 27 11:24:34 2009 |
| Keith,
You are correct. You are, in effect, .. |
Wed Aug 26 7:29:22 2009 |
| You are lucky. You are in Massachusetts and one .. |
Tue Aug 25 9:55:43 2009 |
| The maximum FHA mortgage in Middlesex County for .. |
Tue Aug 25 9:50:50 2009 |
| Looking at an FHA mortgage, your income and .. |
Tue Aug 25 8:39:26 2009 |
| Sounds worth doing. It is legal.
There are .. |
Wed Aug 19 9:10:36 2009 |
| The Cost of Funds Index (COFI) is one of many .. |
Wed Aug 19 9:04:47 2009 |
| Jimmy,
Good catch. I sit corrected. The .. |
Tue Aug 18 2:15:56 2009 |
| The normal definition of a cash out refinance: .. |
Tue Aug 18 2:01:25 2009 |
| If you make an extra payment per year, your .. |
Tue Aug 18 1:57:54 2009 |
| Eligibilty for the first time buyer credit is .. |
Tue Aug 18 1:48:16 2009 |
| The new rate is based on the index plus the .. |
Mon Aug 17 7:42:38 2009 |
| George,
Computers and I do not get along well, .. |
Fri Aug 14 9:14:23 2009 |
| Many lenders have a minimum score of .. |
Fri Aug 14 9:05:22 2009 |
| I am the Guest who answered above but was not .. |
Fri Aug 14 9:01:35 2009 |
| We are not accountants, so, can not tell you .. |
Wed Aug 12 9:29:03 2009 |
| Fixed rate mortgage rates are determined by how .. |
Mon Aug 10 7:03:13 2009 |
| Yes.
Always for a 30 year fixed rate mortgage. .. |
Tue Aug 4 9:45:37 2009 |
| George always provides sound answers and .. |
Tue Aug 4 9:42:30 2009 |
| If you have a mortgage payment due, I would .. |
Tue Aug 4 9:34:01 2009 |
| There is no single, definitive answer to you .. |
Tue Aug 4 9:27:38 2009 |
| George correctly notes that an accountant needs .. |
Fri Jul 31 1:39:54 2009 |
| George--How are you
I never heard of Mellas .. |
Thu Jul 30 2:47:33 2009 |
| I never heard of a family loan letter. Maybe .. |
Thu Jul 30 2:28:37 2009 |
| If you are getting a mortgage, the mortgage is .. |
Thu Jul 30 2:24:16 2009 |
| The numbers as you present them do not appear to .. |
Tue Mar 10 2:18:24 2009 |
| The financial status of Cititbank has little or .. |
Mon Mar 9 12:04:30 2009 |
| The smaller the mortgage amount, the tougher it .. |
Mon Mar 9 11:22:40 2009 |
| Typical PMI with 5% down is 30% covereage and on .. |
Mon Mar 2 3:17:24 2009 |
| All above basically good and sound .. |
Mon Mar 2 2:54:43 2009 |
| Is the original mortgage and FHA mortgage Or, is .. |
Mon Mar 2 2:34:57 2009 |
| You may get better answers if you note what .. |
Fri Feb 27 8:03:30 2009 |
| If you are doing a rate and term refinance, you .. |
Wed Feb 25 3:09:46 2009 |
| You said "bi-monthly", not .. |
Wed Feb 25 3:05:27 2009 |
| FNMA announced Feb 6, 2009, their limit to ten .. |
Thu Feb 19 11:35:12 2009 |
| The mortgage industry does not like interest only .. |
Tue Feb 17 3:41:07 2009 |
| Go to: .. |
Tue Feb 17 10:32:16 2009 |
| Also, is the mortgage over or under $417,000. .. |
Mon Feb 16 2:53:34 2009 |
| It may be possible to refinance with another .. |
Mon Feb 16 2:51:50 2009 |
| If you are married and both of you live in that .. |
Thu Feb 12 12:11:21 2009 |
| Mortgage lenders like high credit scores and .. |
Thu Feb 12 12:01:12 2009 |
| A large number of jumbo loans are from local .. |
Wed Feb 11 1:43:44 2009 |
| TO: John Smith
Stated income loans can be very .. |
Tue Feb 10 9:57:54 2009 |
| COSI loans have potential negative amortization. .. |
Mon Feb 9 2:42:49 2009 |
| If it is a single family investor property, 20% .. |
Mon Feb 9 2:31:41 2009 |
| At this point, ight as well wait.
If you have an .. |
Mon Feb 9 2:23:31 2009 |
| I believe the reason you are being quoted that .. |
Mon Feb 9 2:18:59 2009 |
| We can not give legal advice.
I would say that .. |
Thu Feb 5 9:57:22 2009 |
| It may be possible.
A with any mortgage, the .. |
Thu Jan 29 4:43:41 2009 |
| Once again, any lender can do anything they want .. |
Thu Jan 29 3:53:38 2009 |
| If you got your answer, good.
However, if this .. |
Thu Jan 29 3:48:17 2009 |
| Most, I believe all, national mortgage lenders .. |
Thu Jan 29 3:42:39 2009 |
| There is no simple, across the board answer to .. |
Thu Jan 29 3:35:42 2009 |
| Points are deductible in the year in which you .. |
Thu Jan 29 3:30:10 2009 |
| We are not accountants, so, we can not give you .. |
Thu Jan 29 3:24:32 2009 |
| If you pay $880 in principal and interest on the .. |
Tue Jan 20 12:01:54 2009 |
| If the FHA limit in the county in which the .. |
Fri Jan 16 3:03:48 2009 |
| You are not looking at one of the most common .. |
Fri Dec 26 9:48:27 2008 |
| Generally, it would be difficult for anyone to .. |
Fri Dec 26 9:34:31 2008 |
| The income that can be used is probabaly $1,000 .. |
Fri Dec 26 9:26:31 2008 |
| Above is all correct and good information.
Most .. |
Fri Dec 26 9:22:57 2008 |
| Bad credit means one thing to you and another to .. |
Fri Dec 26 9:17:35 2008 |
| If you refinance, the rate you should refinance .. |
Fri Dec 26 9:10:35 2008 |
| If you see a Veteran, shake thier hand and thank .. |
Tue Nov 11 10:19:01 2008 |
| Thank you for having served.
As everyone notes, .. |
Mon Nov 10 4:18:34 2008 |
| The deed makes you all owners. The agreement to .. |
Mon Nov 10 3:48:52 2008 |
| They are a portfolio lender. Since 1981 not a .. |
Mon Nov 10 2:53:52 2008 |
| I had a closing in NJ in summer of 2008 that .. |
Mon Nov 10 2:51:15 2008 |
| It is up to lender if they will do a partial .. |
Mon Nov 10 12:34:02 2008 |
| Normally, a refinance would be necessary.
He can .. |
Mon Nov 10 12:29:17 2008 |
| Yes, but only in CT and NJ and nine counties in .. |
Mon Nov 10 12:24:35 2008 |
| It is neither professional nor appropriate for a .. |
Mon Nov 10 11:41:59 2008 |
| If everything is legit, the simplest thing to do .. |
Mon Nov 10 11:28:32 2008 |
| There is no simple answer to your question. .. |
Mon Nov 10 11:23:28 2008 |
| Mortgage lenders use a different credit scoring .. |
Mon Nov 10 11:10:33 2008 |
| Lending Tree gets mortgage money from different .. |
Mon Nov 10 10:53:34 2008 |
| Many bankis in many states have been and are .. |
Mon Nov 10 10:45:06 2008 |
John Veenstra
