Downpayment Assistance Programs - who should know?
I'm a first-time home buyer looking to buy a home within the next few months before my lease expires this year. I've gotten the preapproval, and met with a real estate agent a coworker suggested who...
View ArticleQualify for Mortgage
I have put alot of work on increasing my overall Fico scores over the past two years and I have been perfect in paying my revolving lines on time and my car installment loan on time every month....
View ArticleMass State Tax Lien
I have 2 released Mass state tax liens on my CR, from 2012. Along with First Premiere they are the only negatives left. Does anyone know how I can possibly get them removed?
View ArticleFinal Credit Pull?
So yesterday we went to the title company to sign all of our closing documents. The process was smooth and pretty quick. (Only about 30 minutes.) We are located in California, so we are not in a 'table...
View ArticleVerification of Employment on the day of funding?
Just got a call at work from our mortgage company to verify my employment. They have never called my work before to verify employment throughout our loan process. Is it normal for them to call on the...
View ArticleApplying for two different mortgages at once
My question is can I apply for an FHA loan for a Mobile Home, and an FHA loan for a "Sticks and bricks" site builte home at the same time? We are at a crossroads of which way we want to go seeing our...
View ArticleRepo and mortgage app
So i been paying a repo for a few years i still owe about 9000 on it. they withdraw payment from checking every month. the repo has already fallen off all my reports but im still making payments. If i...
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Will I Qualify - Is Cash Really King?
I have a pretty complicated mortgage situation, and I'd like to know what I'm getting into before I start looking for a lender. My husband passed away a couple of years ago. I was not on the mortgage...
View ArticleBusiness Credit Card and DTI?
So I'm going to be applying for a mortgage this spring, and had a question as it relates to my business credit card. I currently am renting out my townhouse (and have been for almost two years). I...
View ArticleBuying a home with unpermitted renovations?
Looking for any advise, rants, horror stories, success stories about buying/sell a house that has unpermitted renovations. Anything relevant to this.
View ArticleDo I Qualify? VA-FHA (203k)
Good Evening, Looking to see if after my 2 year waiting period this June would i qualify for FHA 203k or VA loan for the amount of $225 - $250k. 1. Mortgage Credit Scores: Mid Mortgage 6652....
View Article1099 to W-2 for Mortgage application?
In 2014 I took a position that was a salary W-2 position plus performance bonuses...then in 2015 I went to a 1099 position...now in 2016 I'm with the same company as 2015 with a W-2 salary...
View ArticleAnyone use GMH Mortgage Services?
Has anyone gotten a loan or tried to get a loan through GHM Mortgage Services? I am just looking for a review of how the process went with them. Thanks!Jean
View ArticleFirst time buyer needs advice
I'm finally graduating from this so long grad program and landing a well paying job and planning to buy a house soon later this year (say September). Neither me nor my wife are permanent residents/US...
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FHA Loan- buying points or pay debt to improve credit?
Hello, I currently have a 607 fico score and will close on our first home in 3 months. We were quoted a 4.25% interest rate with this credit score. My husband has 725 credit score but he works for a...
View ArticleLendingtree freaking out help!!
I decided to go to lendingtree.com and inquire about a mortgage, just putting my feelers out. Entered my husband's name, address, DOB, and then when it came to the SS card # I stopped and clicked off...
View ArticleFico mortgage scores are going down & Fico 8 going up. What am I missing?
Started rebuilding and monitoring credit only 6 months ago and I have learned a lot from these forms. I completely understand fico vs fako, there are different versions and different score cards AKA...
View ArticleMortgage Amount
Hoping to apply for a mortgage sometime towards the end of the year. After looking at houses in the area it looks like the $280-$300k range would get us a house with the space we need. Due to several...
View ArticleDTI
I have deferred student loans since I'm in grad school. I know that the lender will use 2% of my student loan debt as my estimated future monthly payment. If they do that I'll qualify for very little....
View ArticleSelling Home??
Hello, We are thinking about selling our home to purchase another one closer to my daughters school. Couple of questions I had: 1) We should have a decent equity left for down payment from sale of...
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