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 ...

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...

Should I pay off my loan?

I have a rental property where I make $1k a month. I still own $40k on the loan with a total cost of $950k. Is it a good idea to pay it off and profit $1,950 a month?

Specifics to my previous question - what lender will grant that small mo...

I have $140,000. I want to buy a house no for between $160,000 and $200,...

Looking for a lender in Florida

I want to buy a condo in Destin, Florida. Is there a lender who can give a 10% down fixed rate 30 year term? They allow short term rentals which is part of my plan for the property.

Low FICO scores applying for a loan

There are plenty of lenders who advertise that they offer loans based on the deal, cash flow, and other data. This goes against my recent applications where a medium FICO score is essential. Has anyone ...

Applying for a USDA but will be changing jobs soon

I will be changing jobs in a few months and I plan to apply for a USDA loan. I am staying in the same industry but my salary would be bigger. How long do I have to wait to apply? There’s a gorgeous ap...

Applying for a loan with less than 2 years employment history

I need help, my lender won’t give me a loan because I am not working currently. I have sufficient funds for a down payment of $50k funds for living expenses at $27k with $20k invested plus social secu...

First time home buyer surprised with costs involved in buying a home

We came across a housing program but had no idea that we would have to pay $50k in down payment and closing costs. How do we get help? My family loves the property and we long to close the deal. Are the...

What are my chances for a refinance?

Can I apply for a refi with a credit score of 620 and DTI of 45%? I bought my home for 395k and the value is now at $515k. I made $67k a year for two years and I’ve been at the same job for the past 5...

Looking for conventional mortgage with 3% down

Is there a conventional mortgage with 3% down in NY? I am not looking for FHA, USDA or VA. I have a student loan in default and I am working on getting it fixed but I can’t wait that long before I buy...