I want to purchase a condo in southern California. I'm hoping to get a loan for about $400,000. What kind of income do I need to qualify for this?
Typically, you can borrow up to 3 times your income. But we would definitely need additional information. There are a few factors like the amount of debt you have, and credit rating that will also come into play. Give us a call as we'd love to assist 800-446-9043 ext 801

can i deduct the fees for a loan modification
My first guess would be no. However, you will want to consult with your/a tax prepare to get the definite answer.

Can I Get an FHA Loan With a Credit Score of 600?
Absolutely. Give us a call 800-446-9043

Want to buy a house for $600,000 in California, dual income $80k / year. What are my options?
We would need to know more info. What county are you looking to buy in particularly? Please give us a call 800-446-9043 ext 801

could i go zero down for VA with a 620 credit score?>
Absolutely! www.omnirates.com

Does a borrower need to income qualify for harp 2?
Not necessarily employment, but there would need to be some source of income. Give us a call so that we can further explain and also find out more about your specific situation. 800-446-9043 ext 801

can I use funds from my boyfriend for a down payment or does it have to comes from me
Yes, this is a very simple and normal process that takes place in a transaction. They would be considered gift funds. Give us a call and we can assist. 800-446-9043

is there any company out there that refinances modular homes in Colorado under HARP or FHA streamline loan?
Absolutely, we can do both HARP and FHA on Manufactured/Modular Homes. Give us a call 800-446-9043

Can you get a morgage with 650 credit and 5% down?
Absolutely, Conventional OR FHA your choice. Give us a call 800-446-9043

what is an 80/10/10?
80/10/10 is an 80% first mortgage, 10% 2nd mortgage and 10% down payment---which we can do. Give us a call as we'd love to help. 800-446-9043

What's my best bet for a loan after bankruptcy - see below
Most likely you will have both FHA and Conventional options depending on income, credit and purchase price. Give us a call, we'd love to assist.

Does getting a prequaled take any less time than getting preapproved
Pre-qual is much faster (15-30min) with me over the phone. The pre-qual and approval letter are more than likely what your realtor or listing agent will want to see upon offer. The Pre-approval takes us 24-72hrs depending on how quickly you can get us all of the documentation that we will need to get you...

I purchased primary residence in 2010;I was relocated for work and now rent it. can I legally purchase new home primary mortgage?
Absolutely! Feel free to contact us as we'd love to assist. 800-446-9043 Ext 801

Does it make sense to make additional payments when you have a FHA loan?
It depends on what your specific goals are for this property and loan. If you have a loan term goal for this home and plenty of cash reserves will a stable job and income, then yes because you would be accelerating your loan by reducing the balance faster which would build equity quickly allowing you to...

VA mortgage question -
Yes, there are a few things that are important that you'd need to know. But short answer is yes since VA loans are assumable. Give us a call if you need assistance 800-446-9043 ext 801

My wife and I make a combined salary of $125K. How much house can we afford?
Hello, we would definitely need more info. Have you or your wife ever been in the military? If so, you could get a VA loan (100% financing with no PMI). If not, there are more options like FHA (3.5% down) and Conventional (5% down) etc. Most importantly to find out how much you could afford we would need to know...

does it cost anything to refi with another lender??
Every lender has costs on a loan transaction. We offer many loan products and options from points to no points to 0 costs etc. Depending on the rate and fee structure that you chose will determine exactly what your fees are. But, yes, you can get a 0 cost loan but that usually will come at a higher rate of...

Need 80-10-10 financing on a $550K home in Charlotte. Fico is between 680 and 700. DTI is low. Income strong. Any options?
We do 80/10/10, but HAVE to have 700 mid for the 2nd TD. Give us a call 800-446-9043 ext 801

Are any jumbo products for less than 20% down available for borrowers with execellent credit
Absolutely, we have a great jumbo product with 10% down. Give us a call 800-446-9043 ext 801

does having an unsold home on the market conflict with my chance of getting a mortgage
Possibly, it will really depend on your income level and your debts that you are carrying. It can be done though. Feel free to give us a call 800-446-9043 ext 801