What happens to my loan given my situation?
We bought a land and manufactured home using a construction loan but now our builder says that the lot is unbuildable. What happens to our loan? Are we financially responsible at this point?
How do I remove PMI without refinancing?
Can you remove private mortgage insurance without a refinance? I only owe $132k but my value has risen to $295k. I bought in 2019. Should I get an appraisal done to determine real value?
Is it a good time to refinance?
Will interest rates go down in the next few months? With the recent fed announcements things are not looking good. If rates continue to rise when is the right time to refinance?
Aspen, CO - Oct 21st 2022
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Applying for a loan when married
How does applying for a loan when married work? Let’s say one spouse has income and the other has none? Can I have only one name on the title or loan? TIA
How loan should I wait before applying for a loan?
I just moved into my new house last month. I need serious money to pay off some debts like federal and state taxes and car notes. Should I wait 2 years before applying for a mortgage equity loan?
Low interest loan for lot purchase
Hi, I need advice if you guys can give me one. I am looking for a low-interest-rate lot loan. My husband and I are working with a loan office that was endorsed by the company that sold us the land. The ...
Should I let one house go?
I need help regarding my situation. I currently own 2 houses, one is worth 150 thousand less than what I bought the other house is worth about 10 thousand less than what it’s worth. I would like to ke...
Why do most banks don't offer HELOCs?
I want to know if anyone has a good experience with HELOCs. I’m aware that most banks don’t offer HELOCs anymore and I just started doing research about it. Thanks in advance.
What is the max loan amount for an FHA loan?
I make about $45k gross each year. I have a good credit score of 680. As much as possible, I want to stay within my budget but at the same time, I want to know how far I could stretch it. What is the ma...
Loan with a huge downpayment, is it wise?
So, I was planning on taking out a mortgage with 70% down. The mortgage would be less than $100k. Is this a wise decision or not?
Is pre-approval state specific?
Hi guys, I wanted to ask if the pre-approval state is specific. The place I’ll be looking for a home in is like 10 miles from 3 other states. After getting pre-approved, do I have to commit to 1 state...
First time to hear about mortgage porting
Regarding mortgage porting, it’s my first time hearing about this concept. I assume it’s going to be popular among people who want to move, but also keep their existing mortgages. I was wondering if...
Over credited on our mortgage refinance
The day after my husband and I closed on our mortgage refinance, I received an email from my mortgage broker that indicated that I was “over-credited” lender credits because they were larger by a fe...
Is a refi a good idea right now?
Experts said that the current interest rate spike would go down in the next 6 to 9 months. After the market response to the recent fed hike I'm afraid that rates would go up and stay high for several ye...
Self employed trying to apply for a loan
I am self employed and got approved for a loan 2 months ago using a year's worth of W2s. If I decide to hold off another year on a new purchase I'll have 2 years of W2s. Will my lender ask for P and Ls ...
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