Home Owners Insurance
I would like to opt out of including my homeowners insurance in the loan. Is that possible? My goal is to pay cash for my home owners insurance so that my monthly payments are lower.
Refinance Question
I would like to refinance to lower my mortgage payments, but the current market fixed 30 year rate at 4.71% is high than the rate for my loan (balance $138,588 and 3.78%). I would like to know if now is...
do different lenders have different fees?
I was approved for $485k by B of A. But I wanted to know about shopping around for fees. Will different lenders charge differently (more/less points) on the back-end (broker fees)? Does it pay to shop a...
Items missing on credit report (these are good things!)
I have been looking to applying for a home loan, and when I went to pull my credit yesterday (i pull monthly) I saw that my auto finance company did not report the last 2 payments. Will this negatively ...
What are the home specifications for USDA loan?
Does it need to have rails for stairs, perfect siding, ect.
New Home Buyer Questions
My wife and I want to be on the title and mortgage both for our first home. Unfortunately, her credit is not good, although she has good income (FICO 465, Gross $122,000/year). I, on the other hand, hav...
what are rules for first time home buyer?
I purchased a home in the Ukraine, back in 1979. It was sold in 1999 before I moved to USA in 2000. I was denied for a first time home buyer program. I am thinking this program is for fist time home buy...
deposit
I put 1000 deposit for a new house, but 3 weeks before the closing day, the lender said the mortgage rate become higher so made the monthly payment become higher than what we can afford. Can I get my de...
1/2 acre Land Loan
How difficult is it to get a land loan? I've been living in a trailer on land owned by a old family friend that has passed away in February this year. I don't want to get kicked off the land by the new ...
Co-Signer Maximum
I inherited my grandfathers home, it was deeded to me. I have not been able to keep up with the payments due to seasonal work and it being limited with the fires here in Northern cali this summer. I don...
Pot in my neighborhood
I put in an offer for a house in a neighborhood in Aurora where I found out there was a huge pot bust a couple months ago. Are Lenders/Banks typically aware of these types of issues? I did not have a re...
Swapping Lenders mid Escrow
What is the proper way to go about changing lenders if you are in escrow? I do not agree with some of the business practices the lender has been using and I am less than 30 days from closing. Any feedba...
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