Do yoy offer harp2 refiancing
Yes, and I live in and lend in California. Please call or email me at (916) 802-1570/swarsb@hotmail.com so we can discuss your situation. Thank you, Bill

can we be approved for fha streamlined loan with late payments
I am a broker in California and most lenders have overlays to the FHA guidelines that stipulate 0 x 30 day late payments in the past twelve months. Bill Swars

I have a question about what type of loan to get when buying my home.
Fred, Great question. The best type of loan for you is based on your personal situation. Do you have a good credit rating? Do you have a 20% down payment? The government loans make it easier for borrowers to purchase homes & the interest rates are usually lower than that of conventional loans. However,...

Can we get a jumbo loan with less than 20% down if our credit and income is excellent?
Hi Sara, Yes you can and I would be happy to assist you. I can be reached at 530.672.0961. Thank you Bill

Federal student loans are in good standing. But, it's my private student loans that are in default. Can I still get a mortgage
I am a lender in the Sacramento area and would be happy to meet with you to discuss and help in anyway that I can.

Refinance
You may qualify for the HARP program but I would need some details pertaining to your loan to know for sure. If you do qualify, then your chances for a 15 year loan are very good. I can be reached at (530) 672-0961 if you would like to discuss a no cost evaluation. Thank you Bill

Can a lendoer on a home loan request documents after closing ?
Maureen's reply is spot on but I would suggest you check your closing statement to confirm the credit card balance was not included in the closing figures. It is possible escrow collected the funds at closing, made the payment and the credit card company has not yet posted the payment.