can i refi INTO a VA loan, adding my wife who is actually in the armed forces
William is taking you down the right path. It will come down to the equity position and your credit scores on whether you should go VA or conventional due to the VA funding fee. Conventional pricing is much more sensitive to credit score than VA. Adding her would be no big deal either way. I have been licensed...

Looking for lenders that can finance a condo purchase at Manhattan Condos in Las Vegas
The lender requirements will be driven by occupancy and down payment amount. Call me and I would be happy to talk you through it. Brad HendersonNOVA HOME LOANS8311 W Sunset Rd Ste 100 Las Vegas, NV 89113Loan OfficerOffice: 702.216.3901Cell: 702.328.3043Fax: 702.430.1500brad.henderson@novahomeloans....

looking for a condo loan in Nevada
With that credit score, your best pricing/lowest payment will come with a conventional loan unless you happen to be a veteran. Conventional loans start at a minimum of a 3% down payment although 5% down will make more sense if you have it. You might also qualify for down payment assistance programs if...

What is the lowest downpayment for a 500K loan in Nevada?
10% down minimum above a 417k loan amount. You will pay for it with higher rates if you put less than 20% down.

What is the cost on a 3.875 15 year loan with credit score of 710? Im in Vegas if that matters
It will vary a little based on the loan amount and value but a 15 year fixed is not as sensitive as a 30 year fixed. At that rate and that score based on pricing today, you should have zero lender fees and probably some left over to go toward your title and escrow fees. Call me at 702-328-3043 and answer a few...

I bought a condo in 1999 and sold it in 2005. Can I be considered a "first time home buyer" for loan purposes?
In general, a first time home-buyer is defined as not owning a home in the last 3 years so you should be fine. Brad

will be getting inheritance of 40k, should I pay down my debt, or use this for a down payment?
It would come down to the specifics of your scenario to know for sure but in general, debt has higher rates than mortgages so usually that is the better choice. If it was enough to get you to 20% down so you could avoid mortgage insurance, that would probably be the way to go but it doesn't sound like that is...

I did a BK that was discharged in May 2012
Conventional guidelines are 4 years from discharge on a Chapter 7 and 2 years on a Chapter 13. FHA loans are 3 years from discharge so you would be eligible now assuming you are looking for a primary residence. FHA loans require a minimum of 3.5% down. Conventional down payments start at 3% down for a primary...

Should I refi if I plan to move out of my home in 2 years? My current rate is 5.95%.
Yes as long as you pay little or no fees.

What is the average time frame between loan application and funding?
3 to 4 weeks on average.

If I have a couple of late payments on a utility bill showing up on my credit, how much will that affect my interest rate?
It is pretty rate that a utility would report to credit unless it went to collection. There is no way to know the impact of any late on your credit score without seeing your credit and the total picture. It could be minor and it could be a lot. At Nova, we have a department called Credit Services where we will...

Looking for a HARP refinance in NV
Every broker or lender has HARP so you should be able to shop around if you want. William outlined everything well on whether you should use it and I would be happy to guide you on that once we know where you stand with your current equity position. Please reach out to me at your convenience and I would be...

What is the fastest way to get my credit score up? mine is in the low 500 range, and I am trying to get a loan in the near future.
We can help you with this and unlike our competition, we charge nothing for the service. Call me at 702-328-3043 or go to my website www.loansforvegas.com. We will run credit and then once we know the specifics of your scenario, we will outline a path to get your scores up where they need to be and assist you...

Would I be able to get a better interest rate at 10% down instead of 3%
Kelcie,The rate will probably end up about the same. The savings will come in the mortgage insurance. How much less will depend on your credit score. If you know your score, I would be happy to talk you through it all so you can make an educated decision on how to proceed. Brad

Can my lender cancel my loan after 6 months? Because my car was supposed to be paid at escrow and NEVER WAS?
It is odd that it took them 6 months to discover this. I would have expected it to come up within a month of your closing. I doubt they have any legal recourse since this sounds like it was their mistake. This reads like they are looking for your help so they can sell the loan. If they have legal recourse, they...

I have a 601 FICO score can I get a home loan. This is also my first house . Are there any programs that I can use
FHA goes down to 580 so there are options but the pricing isn't that great. Home is Possible, the NV grant program for down payments starts at 640. At Nova, we have a department called Credit Services where basically they will assist you to obtain whatever score target you want. The best thing about the...

Can a VA loan be co-signed with someone who is not a veteran or VA-loan eligible?
No. The additional borrower must be the veteran's spouse.

How much would i qualify for a home loan?
There are levels to what you are asking so the best thing to do would be to speak so I can better understand the job history and the income. If it is just you with no co-signer, I would guess somewhere around $150,000 on a purchase price assuming we can make the income and job history work. Call me at...

First time buyer looking for someone who can assist me with a low down payment.
Chuck,There are lots of options. The main thing to know is the more money you put into the deal, the better your rate and payment will be. Programs like the less than 3% down payment with a grant or Home is Possible with a grant have higher rates than normal programs. The fact you have $10,000 gives you...

Is there any kind of debt that is not included in my DTI, like school loans or medical bills?
Medical bills are ignored for DTI purposes. Student loans have different requirements depending on whether the loan is FHA, VA or conventional. Those products also have different DTI thresholds. What we count against your DTI is most items on credit, anything real estate related and any legal...