Buying properties out of state
Hello, Can I ask for recommendations for a lender who does business in various states? I am based in CA and I am looking to invest in several investment properties out of state. I have tried local lende...
Do bonuses affect USDA loan approval?
We are planning to apply for a USDA loan again at $137k. Our income is at $157k including bonuses, $130k without. Will this affect my application? Do I need to wait for the bonus to expire before gettin...
Delays with our loan application
I am looking at buying a home in Texas at $200k and we were not aware that it was in a flood zone until our lender pulled the title. We were supposed to close this week but somehow it had to be delayed....
Stopped working due to illness and just resumed recently, will this affe...
My wife has had 11 years of consistent employment with her employer. I, on the other hand, have worked 13 years in banking and had to stop for a year due to an illness. I recently got back to work and h...
My dad died and we're worried that the bank may take the house
My family and I have lived with my dad in his home for the past decade. I have made all mortgage payments for him but the loan is in his name. My dad passed away a few weeks ago and I have no idea what ...
Is this a good deal?
I am looking at a refinance as my bank is offering a good deal so they say. I still have $220k remaining with 2.86% interest with monthly payments of $871.81. They are offering a prime rate less than 1....
Is my situation worth a refi?
I’m interested in buying more AirBnB properties and I want to use equity in one of our newer properties. There’s 4.25 years left on a 15 year mortgage at 2.75% interest. The refi rate is 2.85% with ...
What are the steps I need to take to qualify for a mortgage?
Hi, everyone! I want to know if I qualify for a mortgage and if not what are the steps I need to take to qualify? Also, what kind of lenders do I look at and what type of loan is best for me? I am earni...
Self employed and looking to upgrade to a bigger home
It’s time to upgrade our home since the family is growing. I have two teenagers, a preteen and a toddler right now and our current home doesn’t have enough space for us all. I have been self employe...
Will late payments on my car loan affect my loan application?
We went house hunting last fall and we got approved for an FHA loan. The problem is I didn’t realize I had plenty of late payments from Ford. I paid on the day due by phone every month but somehow the...
Financing options for first timer?
My son saw a property that he fell in love with but he has no idea how to finance it. What’s the best option for land purchases in Cincinnati, Ohio?
Teacher applying for a loan
I sold my house back in 2018 and made a $4,500 profit. My current credit scores are 529, 549, and 472 and I am making $63k a year as a teacher. I have $420k in student loans and I am afraid I won’t qu...
Are there lenders who still do manual underwriting?
I was wondering if there are lenders who do manual underwriting in 2022? It’s quite challenging for low score applicants and the market is crazy here in Georgia. I am currently at 560 now due to medic...
Applying for a loan after a divorce
My wife and I are getting a divorce and we both have a mortgage currently. If she stays in our home I plan to buy a condo for myself. Will this hurt my chances for a new loan application? I just paid of...
Was getting a 2nd quote a mistake?
We are finally applying for a VA loan after some pretty awful years where we have taken hard hits on our credit. We got a pre approval and underwriters are looking at our documents at the moment. We tri...
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