I really need a conventional loan but only have 606 credit score. Is thi...

Can we exclude a repossession as a liability

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Proof of income for home loan

How can I get proof of income for a home loan? What are my options if I don’t have any proof of income or home address? Can I submit a copy of my most recent tax returns or provide tax transcripts fro...

How to improve credit scores?

My goal is to boost my FICO scores to qualify for a loan. FICO 5, 4, and 2 are currently 589 EQ, 534 TU, 556 EX and based on MyFICO FICO 8 is currently 604 EQ, 618 TU, 587 EX. I made some mistakes a few...

Is a USDA loan the best choice in our case?

I have a bankruptcy discharged on June 15, 2018 and I sold my home in Indiana last July 10 2020 and moved to Detroit. I have been renting for a year as I adjust to living in a new city. I have started l...

Do I qualify for a USDA loan?

I earn $70k a year in my current job but I have only been here for 4 months since I got laid off due to the pandemic. I’ve had 4 employers in the past 5 years with higher salaries each time with the s...

Concern with real estate prices going up

I noticed that real estate prices have skyrocketed once more and my loan to value is around 54%, isn’t this too low? Am I looking at it the right way that if the market tanks by 25% I can still sell o...

FHA loan for duplex investment?

Me and my best friend are planning to purchase a duplex as an investment property. My current home is on an FHA loan while my friend rents a pad. Can we finance a new FHA loan since I already have one?

Denied consideration of income due to family business

I am working to get pre approval for a loan, and wanting to consider both my income and my wife's income. We are moving to another state and her new job is for a business owned by her family. She has no...

Refinancing without seasoning period?

I have just acquired a new rental property 3 months ago and I need to refinance after finishing rehabilitation. Is there a way to get this done and do away with the 6 month seasoning time required? Any ...

How to get a higher loan amount?

I am an educator by profession and I also have a 1099 income from a rental property in Boulder, Colorado. I have student loans at $400 a month and my credit scores are in the low 600s. I applied for a m...

Do private lenders give better rates?

I am finally buying my first home this year and I would like to know where to source the best deal on getting a loan. A major bank in our area in Houston, TX is offering 3.125% for a 30 year term loan. ...

Do I qualify for a home loan?

Hi everyone! I was wondering if I can qualify for a loan on a home that’s worth $450k. My credit scores are Fico 682, Experian 677 and Equifax 676. I have the following debts currently: Car loan - $9,...

Is it cheaper to refinance?

We bought a home 2 years ago on a VA loan. The interest rate is 3.75% with a 30 year term. The rates are around 3% now and I would like to know if it is a good time to refinance? I don’t know how much...