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

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