Closing cost question

If the seller agrees to pay 4% closing costs, would that include the prepayment of taxes, etc that you pay when you close escrow? Just wondering if that was considered a closing cost, or just part of th...

Lower lender fees versus lower lender rates

I am getting a lot of different rates from lenders and am not sure how to view them. Those with lower interest rates have higher lender fees (by about $1000...5.25% vs. 5.37%). Is it better to go with...

I'm looking for a home loan. This will be my first time purchasing a home.

I'm trying to purchase my first home. I'm having a problem because my credit score is 584, but i do have a co signer that I have not used yet. Is there someone or something that can help me get a home...

Looking to buy my first home

My husband is self employed, and I earn $45,000 base salary with OT $60,000. We are looking to buy in Los angeles, from SFV to areas near downtown LA (there are homes in this price range) We would be 1...

How long does it take to get a pre-approval letter?

I saw a question on this site as I was browsing which sparked an idea. How long to get a pre-approval letter, and do you need to do it in person? And do you need to do it in the state you live? or where...

How many times are your leads sold--there is nothing mentioned about the...

Open house, pre-approval

Is it necessary to be pre-approved before attending open houses? Can one attend open houses before finding an agent?

What is PMI?

I was wondering if one of you all can explain what that is. I have been told I need it, I am just not sure why i do. Where can I shop for the best rate on PMI. Is that offered thru you people also? Y...

Can Lender give themselves Thumbs UP when replying to questions asked??

I have just started looking at the questions asked and have noticed lenders that seem to always have a ThumbsUP - Best Answer to their replys. I strongly suspect that the lender is doing that to their...

Don't have 20% down, what now....?

I can't do FHA because it's not an approved condo complex. Too many units are already FHA insured for a spot inspection to work. More than 30% of the units are rented, so the PMI company won't do it. ...

First time home buyer

My fiance meets all of the qualifications for a FHA loan, I just filed bankruptcy so I would not be able to qualify but is there a way for him to use my income as supplement to his without me being on t...

can you help with a refinance

can I qualify for a long with a 648 credit score?

can I qualify for a loan with a credit score of 648

Here is what I want a new home, 15 year loan with no closing costs :)

I am planning on purchasing a new home and I need a great loan.The best deal I've found so is 4.5% with NO CLOSING COSTS through Fremont Bank. Do you think it is possible to find a better rate with NO C...

upfront broker questions

We are shopping for a loan now in Georgia to purchase a bank owned property. I have a broker telling me he'll do the loan for nothing. I barely know this person, no loyalty or reason why he should wo...