My creditscore is 590 do you think I could get an equity loan I dont have no morgage payment
Jacqueline even though we can lend on credit scores below 590, it will depend on other factors. The best thing to do is for you is to apply for a loan. You can go to mannylindo.annie-mac.com to start the process.

how do i go about appraising my home myself, without hiring someone?
Alan, you can usually get an idea about the value of your home by looking up recent sales of that are comparable to yours. However, I work with several real estate agents that would be happy to give you an idea. Call me at 813-359-7196 and we can talk about the agent closest to your location.

Do I have to pay-off my Reverse Mortgage if I buy another house with a CONV Mortgage when I close on the new house?
It depends on the purpose of the new house you're buying and how the loan is structured. Feel free to contact me at 813-359-7196 to discuss more specifically.

is there an age limit on a VA mortgage loan?
No there isn't. Contact Manny at 813-359-7196 or email me at mlindo@annie-mac.com so we can discuss your specific situation.

How are refinance rates for rental properties right now?
Rates on investment properties are based on several things such as credit, equity, property type... please contact me at 813-359-7196 so I can better answer your questions.

Does a usda loan cover closing cost?
The answer is yes if the contract is structured correctly. Feel free to contact me so I can walk you through the process on how we can get this done.

If I'm looking at $500,000 range homes will i have to get a jumbo mortgage
In the conventional mortgage world anything thing above $417,000 is considered a Jumbo loan. Feel free to contact me to discuss your loan options, I've been serving the Tampa Bay area for over 12 years now.

will a cash-in refi make my term shorter?
Making extra monthly payments will reduce your principle therefore allowing you to pay your loan off sooner. However, a "cash-in" refinance will reduce your principle, not necessarily shorten your term. Rather than doing that I would recommend you refinance to a shorter term and possibly use the...

loans without mortgage insurance
With your credit score and income there are many programs available for you. However, if you want to go with either a conventional or government program you will need 20% of the purchase price as a down payment. There are programs that are designed to help you avoid to paying mortgage insurance every...

For usda loans can i still have the seller pay the closing costs?
If a USDA loan is structured correctly you can purchase a home with no money to bring at closing.

If I have 20 of 22 real estate properties paid for and need to consolidate all debt can i use the properties as collateral?
I have several programs that might serve your purpose without having to consolidate all of your properties. Contact me at 813.359.7196 to discuss your options.

at age 81, what is the probabilityI can get a mortgage?
Your age cannot be a factor for the consideration of a mortgage loan. So as long as you qualify for a residential loan, your age does not matter. Feel free to contact me with your information so we can discuss current mortgage programs.

best mortgage for low down payment?
Depending on what type of mortgage program you are looking to use $12K is not a bad amount to have when looking for a $200K property. Feel free to contact me to discuss what options are available to you. Some options even allow you to avoid monthly mortgage insurance.

Will any rehab loan work for a condominium?
Jen, because the property is currently your primary residence and will continue to be for several years there are quite a few programs I have that will allow you to do the renovations you are looking for. Please contact me at 813-359-7196 to discuss your options.