Are there closing costs associated with a FHA refi
Hi , I'm located about 10 mins from Montebello,CA. There could be some fees that are necessary, the great news is that we can give you lender credit to offset any fees. We would review your file and present you with a couple of options for you to choose from. Please feel free to give me a call at...

We transfered our property into our trust and have been told that disqualifies us under HARP. Why is that?
Yes, transfer it back the it was when you purchased and then refi. If you need any assistance with your HARP refi please let me know.

I NEED A LOAN
I can help you. We are a Direct Lender and have our own Jumbo loan products. Im located about 10 miles East of Beverly Hills.Please give me a call @ 310-713-2488

Stuck with an underwater mortgage, searching for options.....
If all her mortgage payments have been on time , I highly suggest to short sale and immediately get her into a different property. That way you can continue with renting out a property it will all be at a profit every month. That is what I would do. South Bay lender here to help. Call me at 310-713-2488

Will the debt to income ratio include my spouses debt as well or considering i will pay the mortgage, should i leave her off?
Only if the loan product is FHA, then her debt will be counted.No need on Conventional financing.