How to get the lowest rates

My wife and I are planning to buy a retirement home where we can spend our time close to the beach. We want to know how we can get the lowest fees possible on closing costs? Do we lock at interest rate...

First time loan application

My online business is booming since the pandemic started and I want to invest in multi-unit homes in Texas. This would be my first time applying for a loan and I want to know how I could get the lowest ...

How do forbearance plans work?

I am worried about my income sources during this pandemic and I might not be able to make mortgage payments. Will I get foreclosed if I lost my job due to COVID-19? My current loan is backed up by Fanni...

What to do with extra money from house sale

We purchased a condo last June and financed it before selling our existing home. The sale went for $1.25M and the new condo we bought was close to $1.2M. Our mortgage amounted to $900k with a low rate ...

Do I refinance?

My husband and I have a first and second mortgage on our home. We owe around $42,000 on the first and will be paid off in 4 years at a 5.25% interest rate. The second loan has $28k left with an 8.25% in...

Over credited lender credits

I closed on a mortgage refinance and I was surprised to get an email from my mortgage broker stating that I was over-credited lender credits by a few hundred dollars than the actual costs and they are n...

CHSuser

Is it time to refinance?

With mortgage rates at an all-time low, I am thinking about refinancing my loan. Although rates have gone up slightly in the past few weeks, they are still pretty low compared to pre-pandemic rates. I b...

Do I Qualify for a USDA loan?

A first-time homebuyer with a new home project in the Austin area. The purchase price of the home is $200k and I can afford to put a down of 10%. I want to apply for a USDA loan since the land is in a r...

mortgage license

how can i get my mortgage license since I k-ya!now you are getting my realtor license renewed fun to work for you like the old days that said, let me know and come pick me up do find something fun lega...

Senior needing funds for expenses

I recently turned 62 and I am facing plenty of unexpected expenses like house repairs and healthcare services. I saw an ad on tv regarding reverse mortgages and I would like to know more about the loan....

Refinancing a Small Amount

My wife and I bought a mobile home and used our land as the down payment. Our credit scores were in the high 500s and we agreed to an 8.99 rate over 23 years with plans to refinance once our credit scor...

Is it ok to co sign for a loan?

My best friend for the past 30 years has asked me to co-sign for a loan on a tiny home she wants to purchase. Her income has dropped since the pandemic and she can no longer afford to pay rent on her la...

FHA Loan Qualifications

Back in 2016, my home was foreclosed due to a nasty divorce I had to go through. Since then, I was able to rebuild my credit and I have an annual income of $300k. Monthly bills are $700 and I have a veh...

Agent wants me to falsify docs

A few years back, I encountered a loan officer at the bank who told me to falsify information on my application like not listing some debts that I have currently to get easier approval. I plan to purcha...