Nervous about FHA loan
We are currently knee deep in an FHA 203k streamline loan. We have done ALL the paperwork, hired a Hud consultant, picked the contractors, got the estimates, had the appraisal, etc etc etc. Our loan...
View ArticleHow soon could I be mortgage ready? Low scores but rising - decent income +...
Hey guys, I am here seeking mortgage advice. i have to decide if i should fight tooth and nail for a mortgage in 2-3 months, shoot for the 6-8 month mark, or wait 12-14 months. I also need advice on...
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So close but stil 32 points away FRUSTRATED
We have been working for a long time toward our goal of purchasing a home. About 2 weeks ago we had a mortgage broker run my credit ( not my husbands due to low score and only really working on mine...
View ArticleUpset over hard pull
I was talking to who was going to be my broker about getting ready to apply for my mortgage in June, since it's the 3 year mark of my short sale. He said that if I had 5% down, he might have a lender...
View ArticleBuying a hud property
I'm in the process of buying a hud property and I guess they don't pay for title insurance. The house I'm purchasing was just taken back from the previous owner on January 16th of this year. Should I...
View ArticleAny experience in NFCU VA mortgage? first time buyer? What is their max DTI?
Does anybody here have any experience NFCU pre approval? I'm kinda scared of getting denied in last minute. Were suppose to close at the end of the month... I know banks/lenders have overlays but I...
View ArticleTexas FHA now, or in a few months? Is a conventional loan even an option for us?
I will appreciate any help anyone can offer. My family is getting closer to financial recovery after a failed business, but probably really a few years away from getting things back to a situation...
View ArticleFriend needs encouragement that FHA underwriting...
So, I am posting this for my friend. She needs encouragement that FHA underwriting will be no problems. 1. She is using FHA and has co-borrower which is her mom.2. Her middle mortgage score was 778,...
View ArticleMortgage Loan Questions
I received my first mortgage loan via my CU. I'll be selling my house soon and will need another mortgage loan... is wondering if I should go thru my CU again. Are CU mortgage loans the same as...
View ArticleMortgage in Houston, TX
Hi All, Would like to hear your input before I pull the trigger on mortgage pre-approval - I am new to this My situation: - FICO 700-710, with BK7 filed 4 years ago- No other bad records - Would like...
View ArticleFico scoring versions
So I applied for a mortgage loan back in November, confident that I would be approved. I was floored when they told me that I didn't qualify because of my scores. I was like "no, I just checked my...
View ArticleWe're closed! Thank you!!
Nearly 2 years ago, I came to the foci forums for advice on how to help our credit so we could buy a new house. My scores were in the mid 500's and my husbands in the low 600s. In that two years, we...
View ArticleFHA now, or in a few months?
I will appreciate any help anyone can offer. My family is getting closer to financial recovery after a failed business, but probably really a few years away from getting things back to a situation...
View ArticleTrying to be put at ease
Hello, I guess I am just a worry wart. I am currently in contract for a home that I was supposedly pre-approved for. I say supposedly because I am thinking more pre-qualified than pre-Approved because...
View Articleam i ready for homeownership?
i live in Washington state and want to buy a house this year but i need some advice before i attempt to apply for a mortgage. I just started repairing my credit since October 2015 but here is what i...
View ArticleWas Preapproved Today (USDA)
Will receive letter Monday. Was approved for 185k at 3.75% (USDA in PA). Mortgage mid score was 712 (high was 789 believe it or not). Broker told me rates just went up a tiny bit this past Monday so I...
View ArticleAny experience in VA mortgage? first time buyer? What is their max DTI?
Does anybody here have any experience NFCU pre approval? I'm kinda scared of getting denied in last minute. Were suppose to close at the end of the month... I know banks/lenders have overlays but I...
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Reselling and Upgrading
So we have lived in our new home for almost 7 months now, and we are in the market to upgrade to a bigger home. We are expanding our family We are hoping to get some advice here. We will likely to...
View ArticleCan we get a Mortgage
I am hoping to get your opinion on our options. Husband would be the one applying for the loan, he currently has no credit score. He has 1 Closed military star card that is reporting as open with a $0...
View ArticleQuicken Loans
Hey guys, has anyone used Rocket Mortgage by Quicken Loans? We are getting ready to move to Florida and don't really know what lender to go through. Anyone have any recommendations or thoughts about...
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