Streamlined Refinance

If your loan is an FHA, VA or USDA, you can streamline refinance... depending on the loan product you have will determine if there are DTI qualifications... contact a local mortgage broker, not a bank, and apply with them... they can look at your complete profile and find the right loan product for your particular scenario... WilliamAcres.com

I can help you! can do fha streamlines with a credit score of 530 or higher. give me a call. 210.643.2976 - Chris

I agree with William. If you have FHA, VA or USDA you can do a streamline. Your best bet is to contact a local broker to go over the details of your current situation. Guidelines may vary slightly depending upon the lender you choose, but income is generally not verified, just your employment status. In addition, the only debt considered into your DTI is your housing obligation.

I would contact a local mortgage professional have them take a look at your income documents to see if you qualify.I only lend in Florida!

Maybe. The best way to know for sure is to contact a local Mortgage Banker/Broker, rather than one of the big banks. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. This is really important because yu need someone who can walk you through all of the possible options.Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com