I own my home free and clear. What loan is best for me?

I want to get a 10-15 yr $50,000 fixed rate loan to do home improvements. The current market value of my single family primary residence is $103,000. I was considering a home equity loan, but when I c...

Where to spend the cash-out?

I am considering a refinance on both of my loans; I own a condo and a single family residence. There is enough money available on both properties to cash out. The question is, where do I spend that money?

good credit but spotty work history???

my question is what lenders will accept art time work history of only a year as income or what steps are next... my background : i am a reg nurse.. i was working full time until january of 09 when my ki...

How much can I borrow without increasing my payment?

How much can I borrow, if I refinance - without increasing my current monthly mortgage payment? Does it cost more to borrow more? The interest rate keeps dropping and my house is fairly stable in value....

Should my parents consider a reverse mortgage?

My folks have been tossing the idea of applying for a reverse mortgage. I am so unfamiliar with this type of financing. I question if they even know. What is all about and how can you tell if you are th...

Too many appraisals?

My house was appraised about 3 months ago. I paid for two appraisals then. I think that I could qualify for a lower interest rate, but as I assess the different fees involved, I am wondering if I can av...

Who are the major players that are giving reverse mortgages in Salt Lake...

I am looking for a reverse mtg. for my sister in law. She was born in 1931 and is a widow. Her home has not mortgage. She needs a way to live for the rest of her life as her social security is not en...

Switching to fixed rate?

My husband and I want to switch to a fixed rate. How much $ are we going to have to consider paying to do so?

When is a good time to refinance ? I have a 7/1 variable rate that has ...

Now that the rates are lower should I lock into something lower ? Would it be worth the cost to refinance ? or Should I keep it for now since it will probably stay at 5.25%?

Stick with my current lender, or go with a new one?

What should I be looking for in lenders when refinancing. I figure that since I went with the lender that I am with, I should stick with him. However, I want the best deal.

My credit score is over 800. Any stated income or no doc lenders out there?

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Can someone explain discount Points?

Points, fees, discount, origination - too confusing for me. Need someone to break it down for me. Thanks!

Home Purchase/Upgrade Question

Here is the scenario:I own my home here in California. $400k mortgage, value is around $320, $2200/mo payments.We have dual incomes, combined to about $160k/year. We both have good credit, ~750 score ...

I'm self-employed, can I get a mortgage?

How am I supposed to go about buying a home, if I am newly self-employed; 2 years.?

Is the PMI, MIP and funding fee always included in the loan amount?