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Loan Modification
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  • Loan Scenario: NJ, $130,800, 720, 60% LTV, Cash Out Refinance
    Loan Scenario
    Loan State: New Jersey
    Loan County: Union
    Loan Type: Cash Out Refinance
    Loan Amount: $130,800
    Property Value: $218,000
    LTV: 60%
    FICO: 720
    DTI: 45
    Occupancy Type: Non-Owner Occupied
    Property Type: 2 Unit Duplex
    Here is what I got. The client bought the property 3 months ago paid cash he wants to get a cash out based on the purchase price. Does seasoning...

  • Debt ratio for a VA loan
    What is the maximum debt ratio you can have with a VA loan? My debt ratio will be around 41%. I currently have a house in another state that I am renting...

  • LLC's
    Does anyone know of a lender that will do a loan for an LLC? I have had two inquiries in the last couple of weeks and all of the companies that I was aware...

  • Carrying the Piano
    Piano shifting needs a great deal of supervision and care. The musical instrument requires expertise and know-how that is specific to the designs of the...

  • hello
    I like this particular article it gives me an additional input in the information a round the world. Thanks a lot and keep going with posting such information...

  • Loan Scenario: GA, $229,900, 740, 100% LTV, Purchase
    Loan Scenario
    Loan State: Georgia
    Loan County: Cobb
    Loan Type: Purchase
    Loan Amount: $229,900
    Property Value: $229,900
    LTV: 100%
    FICO: 740
    DTI: 41
    Occupancy Type: Owner-Occupied
    Property Type: Townhouse
    First time use of VA entitlement. Need someone who can write this in GA

  • FHA refinancing
    I bought a single family house about 1 year ago and financed it using an FHA loan. My loan amount is 560K at a 5.25% fixed rate. I am thinking about refinancing...

  • FHA/HVCC compliance issue
    Hello, Need some help from any of you FHA/HUD compliance experts out there. I just had a deal die that I think should be an easy fix, but the lender is...

  • Loan Scenario: AL, $225,000, 780, 61% LTV, Purchase
    Loan Scenario
    Loan State: Alabama
    Loan County: Jefferson
    Loan Type: Purchase
    Loan Amount: $225,000
    Property Value: $366,000
    LTV: 61%
    FICO: 780
    DTI: 30
    Occupancy Type: Non-Owner Occupied
    Property Type: Single Family Residence
    Looking for anyone who can or will do a loan for a self-employed individual, been in business a very long time, write off everything so it has...

  • The Real Estate fee
    I just about had a deal on my house. We were $2500 apart. I did not want to lose any more money. The buyer did not want to pay any more either. My agents...

  • ubiquitous mortgages
    I recently applied for and was approved for a mortgage with ubiquitous mortgages in spain for my new villa in greece. While I have been satsisfied with...

  • Prophlactic Measures Re: Appraisals for Refi
    We are looking to refinance our home given strong rates. It would be an FHA loan: 4%; 15 year. This is our third attempt. We tried last year, but rates...

  • problems with refi and modificatication on condo
    I have a 6.75 arm expinring may 2011 - I have tried to refi but the condo building isn't qualofying for a refi . I have chcked into a modification...

  • Loan Scenario: CA, $672,000, 780, 80% LTV, Refinance (Rate and Term)
    Loan Scenario
    Loan State: California
    Loan County: Contra Costa
    Loan Type: Refinance (Rate and Term)
    Loan Amount: $672,000
    Property Value: $845,000
    LTV: 80%
    FICO: 780
    DTI: 35
    Occupancy Type: Owner-Occupied
    Property Type: Single Family Residence
    Look for no cost refi (Bo Roll into Loan). Currently at 4.875 no escrows

  • Loan Scenario: AZ, $55,000, 100% LTV, Purchase
    Loan Scenario
    Loan State: Arizona
    Loan County: Maricopa
    Loan Type: Purchase
    Loan Amount: $55,000
    Property Value: $55,000
    LTV: 100%
    FICO: ---
    DTI: ---
    Occupancy Type: Non-Owner Occupied
    Property Type: Manufactured D/W
    We are looking for financing for this type of property. We want to use this property for investment rental purposes. It is on a short sale and...

  • Down Payment on a 2nd Home - Bank Says 30%
    What is the required down payment on a 2nd home? Our bank says 30%. My wife and I are both professional, high income earners with several million in net...

  • Out of my name please
    Seven years ago my older brother convinced me to use my good credit to get a home loan for him. I was only 25 at the time and didn't know any better...

  • Loan Scenario: FL, $700,000, 795, 58% LTV, Cash Out Refinance
    Loan Scenario
    Loan State: Florida
    Loan County: Miami-Dade
    Loan Type: Cash Out Refinance
    Loan Amount: $700,000
    Property Value: $1,200,000
    LTV: 58%
    FICO: 795
    DTI: ---
    Occupancy Type: Owner-Occupied
    Property Type: Single Family Residence
    Self Employed client -looking for cash out but needs to go NO DOC/Stated...Any lenders out there doing this type of loan besides a straight...

  • Release From Mortgage Loan or Deficiency Judgement
    Is the following language sufficient to release me from the mortgage loan or deficiency judgement from the property with this Bank of America Short Sale...

  • Loan Scenario: CA, $400,000, 500, 44% LTV, Purchase
    Loan Scenario
    Loan State: California
    Loan County: Orange
    Loan Type: Purchase
    Loan Amount: $400,000
    Property Value: $900,000
    LTV: 44%
    FICO: 500
    DTI: 40
    Occupancy Type: Non-Owner Occupied
    Property Type: Single Family Residence
    This is a investor without a S.S. that lives in another country They want to buy a 9$900,000 property and have $600,000 to use as down payment...

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