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Posts by netherton
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Tue Sep 14 11:54:39 2010
Depending on loan amount anywhere from 4.25% to
..
Forum
Fri Aug 27 6:06:50 2010
What type of bankruptcy was it If a chapter 13
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Fri Aug 27 6:03:36 2010
Any lender who originates FHA loans can offer you
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Tue Aug 24 10:56:00 2010
Well you always have the option of not having an
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Tue Aug 24 10:48:54 2010
You will have to have your ex-husband refinance
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Mon Aug 23 12:39:52 2010
What do you consider 'a bad credit score' If
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Mon Aug 23 10:00:34 2010
Yes you can do a streamline again. Was it an FHA
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Mon Aug 23 9:58:16 2010
What type of loan do you currently have If FHA
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Fri Aug 20 1:51:44 2010
No it does not. You will have to make him
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Fri Aug 20 12:15:53 2010
Why would you think you wouldn't qualify Credit
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Fri Aug 20 11:31:20 2010
Brittany- You will need to refinance and
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Thu Aug 19 12:55:53 2010
What is the home worth How long do you plan
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Thu Aug 19 11:57:52 2010
Dan, Your best bet would be to shoot Greg (who
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Thu Aug 19 11:54:33 2010
Then yes it would absolutely be worth your time
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Wed Aug 18 2:48:10 2010
With 30 year FHA loans MI is required for the
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Wed Aug 18 2:43:27 2010
Don't know anything about your financial
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Wed Aug 18 1:55:47 2010
With rates where they are it is definitely worth
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Wed Aug 18 12:52:39 2010
If you can it would absolutely make sense to
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Wed Aug 18 12:49:40 2010
Likley depends on whether or not the financing
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Wed Aug 18 12:46:29 2010
Yes it would likely be a good idea to refinance
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Wed Aug 18 12:43:17 2010
Joe-What type of loan do you have Conentional
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Wed Aug 18 12:11:54 2010
Actually. unless they are offering you a no cost
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Tue Aug 17 2:23:47 2010
No problem. Send an email to
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Mon Aug 16 12:47:55 2010
High balances on the CC as compared with the
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Mon Aug 16 8:53:25 2010
Sounds like you need to speak to a more competent
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Fri Aug 13 2:41:26 2010
Yes if you didn't send the returns into the IRS
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Fri Aug 13 2:38:25 2010
No they don't you can refinance now and be fine.
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Fri Aug 13 1:44:57 2010
Yes that will be a problem as most lenders are
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Fri Aug 13 8:59:11 2010
Sent one on Monday. No
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Thu Aug 12 10:51:49 2010
Lack of comps is not an excuse for you being
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Thu Aug 12 10:33:34 2010
If you can cut 6 years off your loan, reduce your
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Thu Aug 12 10:26:21 2010
Is it a mobile home or a
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Wed Aug 11 3:23:01 2010
Two points for 4.875% sounds WAY TOO HIGH. What
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Wed Aug 11 2:47:05 2010
Yes you should absolutely refinance. If you want
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Wed Aug 11 2:10:41 2010
It absolutely is not federal law. Texas does
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Wed Aug 11 11:51:28 2010
Is her name on the mortgage
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Wed Aug 11 11:49:55 2010
What type of mortgage do you have now FHA or VA
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Wed Aug 11 11:47:36 2010
No, if the property is owner occupied you can
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Wed Aug 11 10:59:11 2010
If your name is on the mortgage then it is on the
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Wed Aug 11 10:57:05 2010
Like i said. Have email several of those
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Tue Aug 10 2:59:40 2010
Just make sure you are looking at ''FICO'' scores
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Tue Aug 10 2:52:11 2010
Now is the best time to refinance in the last 54
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Tue Aug 10 2:10:57 2010
FHA allows for financing immediately after
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Tue Aug 10 1:57:16 2010
If you have a payment plan set up and can show a
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Tue Aug 10 9:40:18 2010
Who do I contact to inquire about the mortgage
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Tue Aug 10 9:12:54 2010
You should definitely at least get another
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Tue Aug 10 9:07:37 2010
Law doesn't but the majority of lenders require
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Tue Aug 10 9:05:49 2010
Those scores will qualify just fine for both
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Tue Aug 10 7:17:42 2010
You should definitely refinance but the offer you
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Mon Aug 9 1:24:31 2010
Any service like that who requires an ''upfront
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Mon Aug 9 1:09:08 2010
You will have to have the other borrower on the
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Mon Aug 9 11:54:14 2010
Stay away.
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Mon Aug 9 10:55:21 2010
JHolly, Is the current mortgage on the
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Mon Aug 9 8:58:19 2010
So much mis-information so little
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Thu Aug 5 3:03:33 2010
That absolutely should not prohibit you from
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Thu Aug 5 2:04:18 2010
Sounds like you need to speak to a more informed
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Thu Aug 5 11:23:37 2010
How did you not know you were on a
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Thu Aug 5 10:26:23 2010
What term is your current loan 30 year Only
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Wed Aug 4 9:58:34 2010
They are crediting the up front fees you paid
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Wed Aug 4 9:55:12 2010
No his past credit should not be an issue. Do
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Tue Aug 3 10:38:22 2010
Yes you would qualify for a VA loan with no down
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Tue Aug 3 10:36:50 2010
He/She is asking about NON FHA options
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Tue Aug 3 10:34:51 2010
Wouldn't make much difference. Are you having
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Tue Aug 3 10:32:33 2010
By ''mh'' do you mean mobile home or manufactured
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Tue Aug 3 10:29:08 2010
Did the liens get attached to the
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Mon Aug 2 3:24:53 2010
Get a second job to catch up on your
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Mon Aug 2 3:23:02 2010
Well there is nothing any new bank can do to
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Mon Aug 2 3:10:36 2010
There is no need for HAMP if you have 50% equity.
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Mon Aug 2 2:55:53 2010
Second mortgages to that loan to value can be a
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Mon Aug 2 2:52:20 2010
As long as you pay everything you owe no it will
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Mon Aug 2 2:50:20 2010
Whose name is on the title Are you employed In
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Mon Aug 2 12:57:35 2010
Unless their current loan is an FHA loan it is
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Mon Aug 2 11:10:20 2010
Kendall- No that is not true. James-FHA
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Mon Aug 2 10:33:16 2010
I have connections with some loan officers down
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Mon Aug 2 9:47:34 2010
Yes there are options for you. You need to find
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Tue Jul 27 10:36:56 2010
Yes you should refinance but that 5% offer is
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Wed Jul 7 1:02:52 2010
You do not need to pay off the mortgage in order
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Wed Jul 7 9:33:55 2010
There is no need for six months history Pam. As
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Tue Jul 6 2:15:55 2010
You will need to have him go to a local title
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Tue Jul 6 10:56:17 2010
Only way to remove them is to refinance and
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Tue Jul 6 10:50:29 2010
Is the property permanently afixed to the
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Tue Jul 6 8:56:18 2010
Yes but you will not be able to use an appraisal
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Tue Jul 6 7:56:55 2010
No you will need to refinance to remove his name
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Mon Jul 5 4:31:09 2010
Yes it sounds like refinancing would be
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Mon Jul 5 4:29:21 2010
Your scenario as far as qualifying for an FHA
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Sun Jul 4 4:03:47 2010
Yes it is possible but like they said above you
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Fri Jul 2 2:50:43 2010
That scenario sounds perfect for an FHA loan.
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Thu Jul 1 11:30:18 2010
Well which term you go with depends alot on what
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Thu Jul 1 10:04:34 2010
Hi Dan, Minimum amount you can put down is
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Wed Jun 30 3:58:15 2010
What state are you located in What is your
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Wed Jun 30 12:03:48 2010
No their lender loaned them a specific amount of
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Wed Jun 30 12:01:41 2010
It may be a guideline but no it's not a law.
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Wed Jun 30 10:58:41 2010
You will need to refinance the mortgage into your
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Wed Jun 30 10:56:52 2010
Can't tell you how many times we have heard this
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Wed Jun 30 10:54:37 2010
Texas does have some odd cash out rules but as
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Wed Jun 30 10:17:42 2010
Yes you can refinance into any term you would
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Tue Jun 29 6:27:58 2010
As long as you co-signing on the loan with her
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Tue Jun 29 5:46:13 2010
No. You need to be the owner of a property to
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Tue Jun 29 5:42:19 2010
Those scores are fine for an FHA loan which does
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Tue Jun 29 9:25:29 2010
Probably best to rent for a while then until you
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Tue Jun 29 9:07:53 2010
That is simply not corrent Sussane. Helen,
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Mon Jun 28 4:40:55 2010
For FHA financing you will need to wait at least
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Mon Jun 28 3:35:42 2010
Least damage would be the car account. If you
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Mon Jun 28 2:57:16 2010
Mobile home financing is pretty tough to find as
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Mon Jun 28 2:54:10 2010
It's not unless your loan officer works for free
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Mon Jun 28 2:31:30 2010
How bad is your credit Have you had your credit
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Mon Jun 28 11:50:19 2010
Why wouldn't it be legal Freddie Mac lenders
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Mon Jun 28 11:48:57 2010
Alot depends on what interest rate is offered
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Mon Jun 28 11:46:56 2010
You could possibly co-sign with her to get on the
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Mon Jun 28 11:31:57 2010
Your best bet would be to email Greg Denny to see
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Mon Jun 28 9:30:54 2010
Unless you can show extreme harship and convince
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Mon Jun 28 9:20:13 2010
Pretty sure we are not supposed to quote rates
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Mon Jun 28 9:15:50 2010
You can buy another home as your primary
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Sun Jun 27 1:41:42 2010
With Chapter 7 and 11 you would have to wait two
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Sun Jun 27 12:08:35 2010
Get your self an agressive attorney and see what
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Sun Jun 27 11:26:45 2010
That rate is a bit high for that amount of
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Sun Jun 27 9:26:08 2010
Yes if you are not going to live in the new house
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Sun Jun 27 9:20:53 2010
No you can refinance your new loan at any time.
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Sun Jun 27 9:19:15 2010
What type of mortgage do you have now Is it an
..
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Sat Jun 26 7:03:48 2010
Most FHA lenders will require your FICO score to
..
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Sat Jun 26 6:56:40 2010
You ex boyfriend will need to refinance to take
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Sat Jun 26 6:09:30 2010
What is the condo worth What are similar units
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Sat Jun 26 6:07:15 2010
You will need a qualifying credit score just like
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Sat Jun 26 4:44:16 2010
If you are moving there and going to be employed
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Sat Jun 26 4:41:21 2010
Refinancing to a shorter term is always a good
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Sat Jun 26 4:12:26 2010
Not sure who George is but I can share some info
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Sat Jun 26 3:02:44 2010
If his name is currently on the title to the home
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Sat Jun 26 2:59:47 2010
You'll need a FICO score of at least 620 to
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Fri Jun 25 11:19:44 2010
Your best bet would be to contact the servicer of
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Thu Jun 24 6:16:55 2010
What problems are you running into
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Thu Jun 24 6:06:19 2010
Not that I know of. Many lenders will look at a
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Thu Jun 24 5:47:28 2010
FHA guidlelines call for at least three years to
..
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Thu Jun 24 5:10:57 2010
With your bankruptcy paperwork there should be
..
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Thu Jun 24 2:00:02 2010
He will have to qualify to refinance the home
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Thu Jun 24 1:52:02 2010
If you are self employed yes that is normal for
..
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Thu Jun 24 12:04:43 2010
High cost as in closing costs or interest
..
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Thu Jun 24 11:54:19 2010
You should be upfront and let your loan officer
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Thu Jun 24 10:06:21 2010
No it was likely just a typo and if you already
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Wed Jun 23 3:37:55 2010
Seller concessions are calculated off purchase
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Tue Jun 22 12:31:39 2010
What type of account was the late payment on The
..
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Tue Jun 22 10:06:21 2010
Ya that is where I would start gathering
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Tue Jun 22 9:45:15 2010
You are likely going to need to get the parcels
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Tue Jun 22 9:42:58 2010
Are you trying to use a higher appraised value
..
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Tue Jun 22 7:06:19 2010
Not necessarily. If the house is a rental or
..
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Tue Jun 22 6:27:31 2010
Guest-I suppose we are all biased in one way or
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Tue Jun 22 6:23:39 2010
Lienvo- Greg is correct on all points. You
..
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Mon Jun 21 6:04:21 2010
FHA guidelines call for at least 3 years to have
..
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Mon Jun 21 5:55:29 2010
Hi John, What state are you located in What is
..
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Mon Jun 21 5:22:34 2010
If you are not on the mortgage that IS how you
..
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Mon Jun 21 4:51:47 2010
Jonnie--One other route that may allow you to see
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Mon Jun 21 4:48:32 2010
You need to speak to a real estate lawyer. But
..
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Mon Jun 21 4:43:30 2010
You can take your business elsewhere. One
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Mon Jun 21 9:45:19 2010
You will likely need to specify which state you
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Mon Jun 21 8:13:48 2010
How bad is your credit Have you have your credit
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Sun Jun 20 1:37:55 2010
Is your goal to purchase the land surrounding
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Sun Jun 20 1:33:36 2010
No if you owe them money it is unlikely they are
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Sun Jun 20 1:29:05 2010
No it does not cost anything to become a member
..
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Sun Jun 20 1:26:46 2010
Rehad=Rehab. Edit button
..
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Sun Jun 20 1:25:50 2010
There are rehad programs for primary residences
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Sat Jun 19 3:57:50 2010
So you're renting a house that is about to be
..
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Sat Jun 19 11:54:03 2010
Well those several comments were wrong. It is 2
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Sat Jun 19 11:46:09 2010
Have you arranged for a payment plan with the IRS
..
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Sat Jun 19 8:29:45 2010
You will need to wait at least 3 years from the
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Fri Jun 18 8:25:33 2010
FHA's guidelines on foreclosures are a minimum of
..
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Fri Jun 18 8:01:16 2010
It shouldn't be a disqualifier in and of itself
..
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Fri Jun 18 7:58:57 2010
Not much they can do but let time pass and
..
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Fri Jun 18 5:52:42 2010
You will have to refinance and qualify for the
..
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Fri Jun 18 2:40:21 2010
Why do you need a second
..
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Fri Jun 18 2:29:35 2010
If you filed for foreclosure it really does not
..
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Fri Jun 18 2:25:21 2010
It is clear that you originally obtained an FHA
..
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Fri Jun 18 1:18:27 2010
Is it a true mobile home Or a
..
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Fri Jun 18 12:58:10 2010
No you shouldn't need to pay an attorney. Have
..
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Fri Jun 18 12:56:10 2010
Yes definitely get started a month or 2 in
..
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Fri Jun 18 12:52:50 2010
Yes that would be advisable. You cannot submit
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Fri Jun 18 11:37:06 2010
You will need to wait 24 months from time of
..
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Fri Jun 18 11:25:29 2010
Collectios are never going to say ''paid as
..
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Fri Jun 18 10:25:12 2010
Texas absolutely has different rules regarding
..
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Fri Jun 18 10:11:22 2010
Most employees of the 'big banks' do come off
..
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Fri Jun 18 9:05:49 2010
ration=ratio Also, it definitely would be
..
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Fri Jun 18 8:58:56 2010
Why should the government be the one who has to
..
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Fri Jun 18 8:49:48 2010
Being concerned what your credit score is exactly
..
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Fri Jun 18 8:37:44 2010
You should not have to pay ANY fees upfront
..
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Thu Jun 17 3:50:37 2010
Letter of
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Thu Jun 17 3:49:40 2010
No they are one in the same. One can be on the
..
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Thu Jun 17 12:36:08 2010
The mortgage to purchase a second home will be
..
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Thu Jun 17 12:30:13 2010
You need to get back with that attorney ASAP and
..
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Thu Jun 17 12:25:40 2010
Hana, If you are asking how long you are
..
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Thu Jun 17 12:21:36 2010
Yes modular homes (if permanently afixed to the
..
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Thu Jun 17 12:17:08 2010
MrPowell. Please don't listen to whoever
..
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Thu Jun 17 12:12:14 2010
Actually VA does not require the 620 FICO score
..
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Thu Jun 17 12:05:25 2010
It shouldn't be that hard to secure home owner's
..
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Thu Jun 17 12:02:49 2010
Not sure if I understand. So the loan is secured
..
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Thu Jun 17 11:59:59 2010
They would not be able to use a traditional
..
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Thu Jun 17 11:54:57 2010
It definitley would be the better route to just
..
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Thu Jun 17 11:49:59 2010
Tippy- You really shouldn't have to search
..
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Thu Jun 17 11:46:12 2010
What type of mortgage do you have now If FHA or
..
Forum
Thu Jun 17 11:42:13 2010
Why are you trying to refinance with such a
..
Forum
Thu Jun 17 11:33:40 2010
We have done loans for military personnel many
..
Forum
Thu Jun 17 11:30:47 2010
Also if you do default on a VA mortgage they will
..
Forum
Thu Jun 17 11:23:29 2010
That is simply not true you can pay off your FHA
..
Forum
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