Posts by Shane Milne
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 Sat May 14 9:23:06 2011 You can always pay principal towards your .. Forum
 Thu Mar 10 1:32:10 2011 Welcome. If they are non-occupant .. Forum
 Wed Mar 9 9:34:19 2011 I'd contact an .. Forum
 Wed Mar 9 8:25:26 2011 Most likely it'll be a quit claim .. Forum
 Wed Mar 9 8:22:51 2011 This document tells you how to obtain a real .. Forum
 Wed Mar 9 8:20:13 2011 If this is the company: .. Forum
 Wed Mar 9 8:19:24 2011 You don't have to worry about what he claims, as .. Forum
 Wed Mar 9 8:17:59 2011 I don't think you have a case - an appraisal is .. Forum
 Wed Mar 9 4:22:41 2011 I don't believe it would make a difference if the .. Forum
 Wed Mar 9 2:39:47 2011 Did the appraisal mention anything about possible .. Forum
 Wed Mar 9 2:39:06 2011 I'd file a police report for the vandalism, then .. Forum
 Wed Mar 9 2:31:51 2011 If the primary borrower on the co-signed loan .. Forum
 Wed Mar 9 2:28:56 2011 APN means the assessor's parcel number. You .. Forum
 Wed Mar 9 2:25:14 2011 Who did you intend your question to be .. Forum
 Sat Jul 17 10:44:47 2010 Yes, I took your entire loan proposal into .. Forum
 Sat Jul 17 10:16:57 2010 You may also want to look into an FHA 203k rehab .. Forum
 Sat Jul 17 10:10:25 2010 I am very skeptical of the word .. Forum
 Sat Jul 17 9:59:39 2010 It sounds like you may have included a mortgage .. Forum
 Sat Jul 17 9:55:12 2010 Interest rate on this program highly depends on .. Forum
 Sat Jul 17 9:48:32 2010 Regarding the tax credit comment - if you are .. Forum
 Sat Jul 17 9:44:37 2010 5.125% is a really high interest rate for a .. Forum
 Sat Jul 17 9:35:52 2010 Then yes, that income should be able to be .. Forum
 Thu Jul 15 10:55:46 2010 Welcome - it can be as little as 3.5% down if you .. Forum
 Thu Jul 15 10:47:51 2010 GNF - yes it can, although some lenders may have .. Forum
 Thu Jul 15 7:57:25 2010 The full version of the 203k program is fine to .. Forum
 Wed Jul 14 9:31:34 2010 What about the loan are you accusing them of as .. Forum
 Wed Jul 14 9:27:58 2010 To add to Lisa's explanation on her example, the .. Forum
 Wed Jul 14 9:25:53 2010 What type of side job is .. Forum
 Wed Jul 14 9:20:28 2010 S TX - will your mom occupy the home What type .. Forum
 Wed Jul 14 9:16:49 2010 If your mortgage is owned by Fannie Mae or .. Forum
 Wed Jul 14 9:09:40 2010 Typically with brand new LLC's it's going to be .. Forum
 Wed Jul 14 7:41:58 2010 Yes, you can put more down. Just kidding. If .. Forum
 Tue Jul 13 6:08:18 2010 You can contact a lender in NH as they would .. Forum
 Tue Jul 13 6:07:23 2010 Were all of your payments on time with Chase If .. Forum
 Tue Jul 13 6:05:09 2010 Truman, you can apply with your parents being .. Forum
 Tue Jul 13 6:00:17 2010 You would need to either provide all of your .. Forum
 Tue Jul 13 5:59:07 2010 50% can still qualify for FHA financing, and if .. Forum
 Tue Jul 13 8:36:58 2010 Sorry to hear about your situation, mold is .. Forum
 Tue Jul 13 8:36:03 2010 I'd contact your current lender, since they .. Forum
 Tue Jul 13 8:33:46 2010 This is legal to do, as your taxes have increased .. Forum
 Tue Jul 13 8:30:33 2010 If your mother is on title of the home then she .. Forum
 Tue Jul 13 8:26:01 2010 There are rumors of the "No Doc" loan .. Forum
 Tue Jul 13 8:24:25 2010 Welcome. Now offer to do a conference call with .. Forum
 Tue Jul 13 1:13:18 2010 Hi Sussane, in community property states with FHA .. Forum
 Mon Jul 12 9:42:05 2010 That is correct - as long as you two are still .. Forum
 Mon Jul 12 8:13:11 2010 Adonis gave good advice - keep on trying. Sooner .. Forum
 Mon Jul 12 8:07:02 2010 Did you ever go late on the mortgage or on any .. Forum
 Mon Jul 12 8:05:24 2010 In this situation you will either have to come up .. Forum
 Mon Jul 12 7:56:16 2010 This appears to be a lender guideline. .. Forum
 Mon Jul 12 7:48:43 2010 There are FHA lenders that still work with as low .. Forum
 Mon Jul 12 7:47:13 2010 What you are proposing is called "seller .. Forum
 Mon Jul 12 7:45:53 2010 If the difference is only $1k from what you owe .. Forum
 Mon Jul 12 7:41:41 2010 It could mean one of two things. Most commonly .. Forum
 Mon Jul 12 7:38:27 2010 These are only for homes, not land. There aren't .. Forum
 Mon Jul 12 7:37:17 2010 I imagine this is an issue with the 4506t form .. Forum
 Mon Jul 12 7:31:40 2010 Specifically, what type of false information was .. Forum
 Mon Jul 12 7:27:00 2010 If you stop making your mortgage payments (1st or .. Forum
 Mon Jul 12 7:21:45 2010 Call the Housing and Urban Development (HUD) .. Forum
 Mon Jul 12 7:18:58 2010 Do you want to stay in the home if your payments .. Forum
 Mon Jul 12 7:17:27 2010 That isn't necessarily true. When was the .. Forum
 Sat Jul 10 10:48:01 2010 If it was work that was done by the person who .. Forum
 Sat Jul 10 10:40:31 2010 There likely will be legal consequences if your .. Forum
 Sat Jul 10 10:37:33 2010 The same thing will happen when you move out as .. Forum
 Fri Jul 9 6:00:41 2010 At a glance that is very high - however we'd need .. Forum
 Fri Jul 9 5:58:17 2010 If I was getting a reverse mortgage I'd .. Forum
 Fri Jul 9 12:49:50 2010 Hi Johnny, You are welcome. Even if the .. Forum
 Fri Jul 9 11:30:29 2010 Are you past due and only sent a portion of what .. Forum
 Fri Jul 9 11:27:42 2010 An example of someone who doesn't have a W-2 but .. Forum
 Fri Jul 9 11:24:22 2010 I recommend you contact your mortgage lender and .. Forum
 Fri Jul 9 11:21:23 2010 Welcome, have a good .. Forum
 Fri Jul 9 11:19:07 2010 It'd certainly be worth it if you plan on having .. Forum
 Fri Jul 9 11:14:35 2010 Disability income can qualify if the disability .. Forum
 Fri Jul 9 11:13:03 2010 What are you looking to do Re-file for the BK .. Forum
 Fri Jul 9 11:10:48 2010 Obtaining a mortgage with a tax lien is a higher .. Forum
 Fri Jul 9 8:55:23 2010 A charge-off isn't recorded with the county, it .. Forum
 Fri Jul 9 8:46:32 2010 You would have to review your condo association's .. Forum
 Fri Jul 9 8:43:27 2010 I haven't run into an issue with a home using .. Forum
 Fri Jul 9 3:22:57 2010 A home using propane as it's source of power is .. Forum
 Fri Jul 9 3:18:09 2010 Will your cousin's husband qualify for the .. Forum
 Fri Jul 9 3:14:30 2010 If you maintain your mortgage payments you can do .. Forum
 Fri Jul 9 3:09:31 2010 Hi Johnny, here in California we use the same .. Forum
 Fri Jul 9 2:54:57 2010 I'd suggest none of those banks, they all have a .. Forum
 Thu Jul 8 10:54:58 2010 Yes FHA loans permit co-signers. The technical .. Forum
 Thu Jul 8 10:53:06 2010 You should look into hard/private money loans, as .. Forum
 Thu Jul 8 10:49:13 2010 The appraisal is to yours and the lenders benefit .. Forum
 Thu Jul 8 10:45:45 2010 If you have a USDA "Direct" mortgage .. Forum
 Wed Jul 7 1:54:23 2010 Correct - if the purchase price is under market .. Forum
 Wed Jul 7 11:58:21 2010 If she can qualify for a conventional loan - yes. .. Forum
 Wed Jul 7 11:32:23 2010 With FHA financing at least one of the borrower .. Forum
 Wed Jul 7 11:28:00 2010 For a period of 15 months, it's very likely he'll .. Forum
 Wed Jul 7 11:23:43 2010 Refinance the loan solely into your name before .. Forum
 Wed Jul 7 11:22:18 2010 Welcome to the forums jeri. This condo is .. Forum
 Tue Jul 6 6:32:19 2010 FHA does not offer ground-up construction loans, .. Forum
 Tue Jul 6 6:27:15 2010 You should concentrate on improving your credit, .. Forum
 Tue Jul 6 6:24:31 2010 Not sure who you are referring to when you said .. Forum
 Tue Jul 6 6:21:23 2010 You may be able to put the property in a living .. Forum
 Tue Jul 6 6:19:19 2010 After you file bankruptcy, and since it appears .. Forum
 Tue Jul 6 6:15:32 2010 You'd contact a mortgage lender or mortgage .. Forum
 Tue Jul 6 6:13:28 2010 I strongly suggest that any homeowner who gets a .. Forum
 Tue Jul 6 7:43:44 2010 Hi Nelria, Yes it is, I briefly went over the .. Forum
 Mon Jul 5 12:32:15 2010 A quit claim deed is a legal document, so you'll .. Forum
 Mon Jul 5 10:08:35 2010 Yes it's possible, your second mortgage lender .. Forum
 Mon Jul 5 10:02:35 2010 Washington has been very tight lipped about this. .. Forum
 Mon Jul 5 9:57:02 2010 A foreclosed home doesn't appear on a credit .. Forum
 Mon Jul 5 9:51:48 2010 Are you asking about a 2nd mortgage on the same .. Forum
 Mon Jul 5 9:43:24 2010 http://makinghomeaffordable.gov/ is a government .. Forum
 Mon Jul 5 9:38:03 2010 Hazard insurance is the same as homeowners .. Forum
 Mon Jul 5 9:36:32 2010 Assuming you got your current 15-year fixed 12 .. Forum
 Sun Jul 4 12:38:22 2010 Welcome. If you have enough equity you also .. Forum
 Sun Jul 4 12:24:40 2010 Depends on which mortgage document & loan .. Forum
 Sun Jul 4 9:44:36 2010 They can do anything they want without the .. Forum
 Sun Jul 4 9:42:26 2010 Sorry to hear about your father. If you can .. Forum
 Sun Jul 4 9:38:54 2010 FHA loans take all borrowers credit into .. Forum
 Sun Jul 4 9:35:46 2010 With FHA and Ch 7 bankruptcies, you need to wait .. Forum
 Sun Jul 4 9:11:07 2010 If you have a mortgage, you should first contact .. Forum
 Sat Jul 3 10:10:29 2010 I'm not a loan mod expert but it appears since .. Forum
 Sat Jul 3 10:06:43 2010 You would have to read through your purchase .. Forum
 Sat Jul 3 10:02:04 2010 Once the payments have been made on time for 12 .. Forum
 Sat Jul 3 8:22:28 2010 If his name is on title and on the mortgage, it .. Forum
 Mon Nov 9 9:59:37 2009 Only your lender can determine if you'd be .. Forum
 Mon Oct 19 3:27:10 2009 People really need to evaluate why they are .. Forum
 Mon Oct 19 3:20:04 2009 momsirish, did you get a good faith estimate .. Forum
 Mon Oct 19 3:09:14 2009 At this point it'd be pretty hard to get your .. Forum
 Mon Oct 19 3:05:01 2009 Only co-signed accounts that are included in the .. Forum
 Mon Oct 19 3:03:10 2009 Your husband would need to agree to release .. Forum
 Mon Oct 19 3:02:01 2009 While there are still a few national lenders who .. Forum
 Mon Oct 19 3:00:11 2009 Have you contacted your mortgage lender to ask .. Forum
 Mon Oct 19 2:58:50 2009 Is it the mediator at the bank If so, is that .. Forum
 Mon Oct 19 2:53:16 2009 What happened with the .. Forum
 Mon Oct 19 2:46:24 2009 What would your goal in refinancing the 1st .. Forum
 Mon Oct 19 2:36:01 2009 Is it in your father & mother's estate (as in .. Forum
 Mon Oct 19 2:29:10 2009 When the seller sells a home, the title company .. Forum
 Mon Oct 19 2:24:57 2009 Have you contacted your bank to ask about the .. Forum
 Mon Oct 19 2:24:14 2009 Since you don't own the land, you would only own .. Forum
 Fri Oct 9 3:30:38 2009 Here is what underwriters use to determine .. Forum
 Fri Oct 9 3:21:44 2009 Some lenders have different credit score .. Forum
 Fri Oct 9 3:18:13 2009 That is surprising that they've had 23 years .. Forum
 Fri Oct 9 3:13:22 2009 Yes, purchasing a home is a feature that most .. Forum
 Fri Oct 9 2:19:23 2009 When your income doesn't qualify you'll need more .. Forum
 Fri Oct 9 2:15:52 2009 The amount of the reverse mortgage they can .. Forum
 Fri Oct 9 12:53:11 2009 There is currently no cut off time to obtain a .. Forum
 Fri Oct 9 12:50:30 2009 If your income is within eligibility limits, and .. Forum
 Fri Oct 9 12:44:32 2009 http://www.scstatehouse.gov/code/t27c040.htm is .. Forum
 Mon Nov 3 1:34:29 2008 Well unfortunately there isn't a lot for you to .. Forum
 Mon Nov 3 1:32:28 2008 Home equity interest rates are a combination of .. Forum
 Mon Nov 3 9:08:23 2008 Foreclosure or deed-in-lieu will trump everything .. Forum
 Sun Nov 2 5:20:06 2008 You probably had too much in your escrow account .. Forum
 Sun Nov 2 5:17:58 2008 For federal income tax purposes, life insurance .. Forum
 Sun Nov 2 5:14:22 2008 Being behind 6 months on your mortgage is .. Forum
 Sun Nov 2 4:59:24 2008 When a non-related person is added to title that .. Forum
 Sun Nov 2 4:56:30 2008 I'm pretty sure they can't roll credit card debt .. Forum
 Sun Nov 2 10:49:26 2008 You are right - if your mortgage had equal .. Forum
 Sun Nov 2 10:46:58 2008 After the quit claim is notarized it's taken down .. Forum
 Sun Nov 2 10:43:59 2008 Sounds like you need to consult some legal advice .. Forum
 Sat Nov 1 9:20:28 2008 Does the "free trader" agreement state .. Forum
 Sat Nov 1 9:19:18 2008 Did you file a Ch 7 or Ch .. Forum
 Sat Nov 1 9:18:27 2008 The bank will foreclose on your loan, take the .. Forum
 Sat Nov 1 9:16:49 2008 The credit card charge-off can be turned into a .. Forum
 Sat Nov 1 9:16:11 2008 You can't notarize your own documents, you need a .. Forum
 Sat Nov 1 9:13:02 2008 The quit claim needs to be recorded. Why did .. Forum
 Sat Nov 1 9:11:10 2008 How much was your original balance when you got .. Forum
 Mon Jul 28 10:52:23 2008 Not sure what your post means, could you .. Forum
 Mon Jul 28 8:50:39 2008 She would need to live there at least 1 day every .. Forum
 Mon Jul 28 7:36:01 2008 You would need to call up your lender to see if .. Forum
 Sun Jul 27 6:10:59 2008 You might want to refrain from posting personally .. Forum
 Sun Jul 27 6:07:12 2008 They might be able to file for a deficiency .. Forum
 Sun Jul 27 6:03:38 2008 You will be involved if your name is on title .. Forum
 Sun Jul 27 6:02:43 2008 You would need to contact IndyMac Federal Bank's .. Forum
 Sun Jul 27 6:01:04 2008 Are you referring to a mortgage that is already .. Forum
 Sun Jul 27 5:59:37 2008 Well technically you did lose the properties .. Forum
 Sun Jul 27 5:56:27 2008 I'd call them up on the phone first to see if .. Forum
 Sun Jul 27 5:55:30 2008 I'd think you'd have to refer to your divorce .. Forum
 Mon Apr 14 7:52:08 2008 Online quotes are only as good as the information .. Forum
 Tue Mar 25 7:11:25 2008 Christine, ask the title/closing company if the .. Forum
 Tue Mar 25 7:05:19 2008 For 10% down or more, with strong scores in the .. Forum
 Mon Mar 24 4:42:13 2008 Also wanted to add that the "conforming .. Forum
 Mon Mar 3 8:46:11 2008 I haven't heard of a use of proceeds test either. .. Forum
 Mon Jan 21 6:54:56 2008 If it's your primary residence you should be able .. Forum
 Mon Jan 21 6:52:19 2008 jbarto, it could, but then Gary would be getting .. Forum
 Mon Jan 21 6:48:33 2008 The one big complaint I've had from past clients .. Forum
 Mon Jan 21 9:50:42 2008 Totally agree about the better rate/lower cost .. Forum
 Mon Jan 21 9:47:34 2008 Welcome. When refinancing owner occupied .. Forum
 Mon Jan 21 9:09:27 2008 Further, USDA Rural mortgages aren't typical for .. Forum
 Mon Jan 21 9:06:32 2008 Credit being excellent isn't what determines .. Forum
 Mon Jan 21 9:03:11 2008 Marty, if you read the original post you'd see .. Forum
 Sun Jan 20 11:35:26 2008 Agree with James, you should check out FHA. You .. Forum
 Sun Jan 20 11:26:35 2008 Are you referring to the $100 HUD repo .. Forum
 Sun Jan 20 12:21:16 2008 Lisa, my understanding is the 203b loan from FHA .. Forum
 Thu Jan 10 10:15:56 2008 You have to get the BK dismissed in order to .. Forum
 Thu Jan 10 9:45:16 2008 Definitely no mortgage tax in .. Forum
 Tue Jan 8 3:08:19 2008 Right on, my mom actually grew up in Garden .. Forum
 Tue Jan 8 2:51:24 2008 Don't mean to argue with you Lisa but FHA Secure .. Forum
 Mon Jan 7 6:52:45 2008 Good news/bad news. Bad news first, and that is .. Forum
 Mon Jan 7 1:12:59 2008 That might be the reason why... I'd be weary of .. Forum
 Mon Jan 7 11:55:06 2008 I agree with Stephenie and jheard, do not pay .. Forum
 Mon Jan 7 11:53:12 2008 See other thread at .. Forum
 Mon Jan 7 11:52:20 2008 Was the 2nd mortgage included in the Ch 13 BK .. Forum
 Mon Jan 7 11:51:18 2008 Does your sister &/or mom live with you .. Forum
 Mon Jan 7 8:56:08 2008 I'm saying it's better to check around for terms. .. Forum
 Mon Jan 7 4:23:59 2008 Lender won't sue you unless you signed something .. Forum
 Mon Jan 7 3:49:45 2008 Unfortunately since it's joint credit it will .. Forum
 Mon Jan 7 3:46:31 2008 First, I would call up your county assessor's .. Forum
 Mon Jan 7 3:44:22 2008 Did you sign something stating you would pay for .. Forum
 Mon Jan 7 3:39:14 2008 Irene, read Eugene's response... 4th from the .. Forum
 Mon Jan 7 3:37:39 2008 Victor, there can find lenders in Texas by going .. Forum
 Mon Jan 7 3:28:21 2008 Do you have a 1st & 2nd mortgage or is it .. Forum
 Mon Jan 7 3:22:40 2008 I appreciate your input Lisa but I'd recommend .. Forum
 Sat Jan 5 8:21:30 2008 Yes you can put as little as 5% down, and work .. Forum
 Sat Jan 5 3:17:16 2008 There are two real good ways, continue to make .. Forum
 Sat Jan 5 2:46:39 2008 I would really work on getting your score up to a .. Forum
 Fri Dec 21 6:20:54 2007 Tax Break for Mortgage Debt Forgiveness .. Forum
 Thu Dec 20 10:07:58 2007 RESPA stands for the Real Estate Settlement .. Forum
 Wed Dec 19 5:11:05 2007 Did you receive proper disclosures on the .. Forum
 Wed Dec 19 5:07:18 2007 Reverse Mortgages .. Forum
 Fri Dec 7 5:53:56 2007 Honestly the best advice I can give you, to .. Forum
 Fri Dec 7 10:37:56 2007 You are welcome, that is what we are here .. Forum
 Fri Dec 7 2:03:00 2007 jenkin, you are correct, which is why I added he .. Forum
 Fri Dec 7 12:07:06 2007 No, just the quit claim. Do you also want to .. Forum
 Thu Dec 6 4:22:01 2007 You can protect yourselves by having your owner .. Forum
 Thu Dec 6 12:59:26 2007 2nd mortgage rates are usually higher than 1st .. Forum
 Thu Dec 6 11:29:19 2007 It's called a quit claim deed (to save you .. Forum
 Thu Dec 6 11:26:57 2007 I think you originally posted as .. Forum
 Thu Dec 6 11:26:05 2007 Reommendation is the correct spelling, not that I .. Forum
 Thu Dec 6 11:22:01 2007 Sagar, you are going to have a to get a .. Forum
 Wed Dec 5 11:39:26 2007 I'm sorry I read your post incorrectly... I read .. Forum
 Wed Dec 5 11:27:11 2007 It is much more likely you can have a co-signer .. Forum
 Wed Dec 5 11:23:49 2007 It would be up to the lender to say what .. Forum
 Wed Dec 5 11:18:50 2007 jenkin, are you sure about that If he is on the .. Forum
 Wed Dec 5 11:01:17 2007 Also, on a cash transaction they can buy it for .. Forum
 Wed Dec 5 4:04:38 2007 Usually there is only a hit for cash out if it's .. Forum
 Wed Dec 5 4:01:41 2007 An assumption agreement is one individual assumes .. Forum
 Wed Dec 5 10:35:56 2007 Since it's a time share and you are only owning .. Forum
 Tue Dec 4 10:21:54 2007 Honestly I'd consult with a tax professional on .. Forum
 Tue Dec 4 5:57:31 2007 Yup, Fannie Mae & Fredie Mac (but mostly .. Forum
 Tue Dec 4 12:17:27 2007 Further, if you quit claim without the lenders .. Forum
 Tue Dec 4 7:53:11 2007 The way I am reading your message is that a .. Forum
 Tue Dec 4 2:43:03 2007 If there is a mortgage secured with the home you .. Forum
 Tue Dec 4 2:39:45 2007 Great advice Eugene, when there is apparent .. Forum
 Tue Dec 4 2:25:14 2007 Thank you and you are welcome, now only if I .. Forum
 Tue Dec 4 2:11:54 2007 Islamic Mortgages are widely popular in the UK. .. Forum

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Name: Shane Milne Milne
From: Laguna Niguel
Occ.: Mortgage Broker
Org.: First National Bank Of Layton


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