Would DTI cancel out low credit?
Hi,That is an excellent question. Banks look at many things in determining rates. Credit scores, loan to value, type of property and debt to income ratios. Generally speaking, the credit scores have the highest impact on rates. However, there are many programs available whereby rates with lower than...

What rate can i refinance to?
That is an excellent question. In order to answer this, we need to get more information from you. Rates are determined by credit, type of property, loan amount, the term, cash out vs rate and term, among other things. In order to assist you, feel free to contact me. We are a nationwide mortgage banker with...

I want the number to the mortgage company who took over gmac
Ocwen mortgage took over many of GMAC's loans. 1-800-746-2936.If you are looking to refinance, please contact me at 914-232-5400 ext 227.Thanks,Ron Stewart

Doe anyone know of State Income & Stated Asset Loan Program for less than 60% LTV loan in NY?
Hi,For commercial properties, there are some stated programs available. Is this a commercial property?Thanks,Ron