I really owe $48,000 on my mortgage but was unable to type that in. I w...

Can someone please tell me when the new harp2.0 law will go into effect?

Also, will that allow us to refinance if we are upside down on our equity? Any reponse is much appreciated since I see very good mortgage people on this site

Merge two home loans

We have two home loans. Bought the home during peek time (2006) for 388,500. Mortgage one ~300,000. Mortgage two ~50,000. Paid 5% down. Paying both on time never defaulted and have very good credit. T...

Between FHA and VA mortgages, are VA always cheaper?

I'm a veteran of the Air Force and I'm looking at my first home. Valued around 325k, I got a savings of 75k and impeccable credit (835, used three credit cards, one for gas, one for bills, one for food ...

Can I get a no cost refinance?

I have a home at 5.625% with an LTV of around 75%, home's worth 225k. If I got a refinance and plan to move within a couple of years, should I get a no cost refinance? Credit's the same as when I got th...

Can I refinance my home loan for a better rate?

Currently I have a home at a 4.75% rate, credit score of 780 and no bad mortgage payments. Would I be able to refinance to a cheaper rate without buying points, or would I just be spending roughly the s...

New home purchase loan in Alabama

I just found a nice house worth 250k, and my husband and I (credit score of 740 and 760ish) want to move in. We make a combined income of 60k a year and have no debt besides standard bills and credit ca...

I have a LTV of 90%, can I refinance?

My credit is 743 and my salary is 75k a year. I got my home three years ago, haven't been late. I want to take advantage of the low rates today so I was wondering on a 325k home with 90% LTV on the loan...

Credit score 699, can I get a 4.25% rate on a refi?

Been living in the same house for the last 15 years, got the mortgage down to a LTV of 25%, home's worth around 225k right now. If I'm at a 6.25% rate, can I get a near-4 rate with my credit score of 4....

Here isI am a graduate accounting student, I already have a job set up t...

FHA mortgage on rental property

We would like to rent out our current home, which has an FHA mortgage. We would like to refinance to lower the rate through the streamline program. However, I am afraid of being in violation of the pr...

How do I know if I can refinance into the new HARP program?

My home is underwater at about 140% and I've had it since early 2005. I read about the first HARP program, but my LTV at the time was 145%. Now that I've heard that there's no limit on the loan value, w...

Is it possible for me to get a FHA home loan?

I'm currently looking at a home in the 230-240k range, have a decent credit score of 745, but I had a foreclosure back in 2008. Currently renting and making due with rebuilding my credit and saving up f...

Looking to get a new VA home loan

I currently live in a home that had a VA loan that is now paid off. I was wondering if I can get another VA loan for a vacation home I'm interested in getting that is out of state (I'm in Texas, looking...

Credit score of 713, can I buy a new home?

I currently make roughly 3k a month, my wife makes 2k a month, and we're looking to buy a home valued at 185k. My credit is 713, her's is 725 and this is our first home. Can we qualify for a mortgage? W...