I am married but my wife has little credit and is 1099. I make over 275k per year with 620 score.
With your credit score and income you should be fine qualifying for a conventional loan which would not require putting your wife on the loan unless you wanted to. The max. conventional loan amount in Maricopa County, Arizona, is $417,000. If you want to go over specific interest rates and loan program...

Is PMI negotiable? I read that it's any where from .5% to 1.5% Please advise
Mortgage insurance is not negotiable. It is calculated based on the loan type (i.e. conventional versus FHA), and the monthly premium amount depends on the borrower's credit score, loan amount, Loan-to-value, and occupancy type. You can also obtain lender paid mortgage insurance where the interest...

My husband (now deceased) was in the military, and I want to refinance our home. I believe I have to go through the VA program. Can someone assist?
I can assist you and your husband with a VA refinance to lower your rate and payment. I've been helping clients with VA financing for the past 23 yrs. Call or e-mail me at 480-223-2265, or LoanProScott@gmail.com Thank you, Scott

Help with VA loan
The score should not be a problem. We can get VA loans approved with credit scores as low as 550. Give me a call at 480-223-2265 and I will be happy to get you pre-qualified in a few minutes. Scott Harward, 480-223-2265, LoanProScott@gmail.com

Are we qualified?
Standard conventional loans require a 620 credit score. However, if you have VA benefits you could do a VA loan, or if you have enough funds to get the loan amount to meet the FHA loan limit (Maricopa County limit is $279,450) then we could get you an FHA loan with a min. score of 550.I can be reached at...