Co-signer for Stated Income

I have been self employed as a hair dresser for 10 years. I am 24 and started working with my neighbors mom when my grandma passed away (I was 14 and had to care for myself as I was placed in foster car...

FICO dropped after pre-approval

I was pre-approved on September 1st for $405k. My FICO at the time was 718. I recently paid off my car, about 30 days after I was pre-approved. I pulled my tri-merge and found that my score dropped 37 p...

Expired LO License !!

I recently found out that my Loan Officers license in CA expired 10 months ago. What should I do - we are in escrow?

Negotiate Lower Down

I was told by a close friend that use to be a Broker that many Real estate Agents or Lenders will negotiate the points on the back end of the loan to make the down payment lower, is this standard practi...

LAND CONTRACT BUYOUT?

will your company do a land contract buyout. I owe approx. 13000 on a house valued approx. 65000

$10K State Tax Deduction Cap in California

Now that there is a cap on mortgage tax deductions in CA, I have been looking into purchasing rental property in other states; but the long term ROI that California property seems to have is not as lucr...

Waiting Period on Refi?

I recently purchased my home (2 months ago) at a much higher rate than what the market is producing now. How long do I need to wait before I refinance? I am a first time home buyer, so I am not sure if ...

To buy before or after holidays.

I have found the home i want to get approved for near where I work in Irving MI. The price is a little above my budget, $109,900. I make $77k and FICO is 700, I have a bit of high debt that I am paying...

Advice - Good Credit, no Approval

I have been denied 2x for a mortgage loan (in the last year). I have good credit (FICO 720), I have been at my job for 14 months and make $75k/yr. Prior to that I was self employed for 15 years and gros...

Can Loan Officers give Legal Advise During Loan Process?

My lender advised me to exclude my wife (we are separated) from the title of my loan. I don't have a attorney but I am wondering if this is more legal advise than banking consumer advise. Can anyone she...

How can I find out if my loan is owned by Fannie Mae or Freddie Mac?

if i'm behind 3 months on my mortgage will you accept 1 month payment

high rise condo san diego CA. 900K cash out 65% ltv. condo in litigati...

complaint is for inferior parts used for plumbing and leaks. need financing. 8 units have been purchased between feb and august so someone is financing. do you know who?

New home sales are down - will rates keep dropping?

I read the MBA report for October - the new home sales are down over 2%. If this trend keeps up, do you see the rates continuing to heavily drop because of?

Can you get ANY type of loan without 2 years of W-2's?

I have been a stay at home mom for the past 14 years. (Before I had kids, I was a professional chemist for over 16 years.) I just went back to work full time as a chemist at the end of August (2018). ...