Streamline your FHA refinance
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Read Morewhat are the specific rules for truckers to get an fha loan?
Question by yourtruckerfriend: what are the specific rules for truckers to get an fha loan? Im a first time home buyer. I am a otr driver. I am out working 355 days a year. I take 1 week off to visit family back home. The dept of transportation allows me to deduct from taxable income a flat rate of 45? dollars for everyday im out on the road..away from my home state. I claimed about 37.00 a day..itemized on my return. I also have other deductions to my taxable income. The issue is.. my mortgage broker is stating that the underwriter is making me show my tax returns for 07 an 08 to see IF i qualify for a home loan. I made 53k , pilule web i had 20 k in deductions. I couldve taken more but thats a gray area , more about recpts etc.. anyway.. i am NOT a self employed person.. i have w2s. I applied to the underwriter , find got approved for 72k. I negotiated the purchase price, and such.. got my loan down to 56k & seller contribution of 2k, add in an 8k rehab loan, brings my tally to 64k, add in 12k closing etc. bottom line. my mortgage guy locked me a rate at 5.5 fixed 30 etc. amaZing..its till the 1st of march.. Our closing goal is the 20th of feb.. as i said i had a preapproval.. i signed a contract , (theres alot more details about the contract).. paid for inspection, and appraisal. now mortgage guy TIM.says he put off ordering the survey as i may not qualify now.. I ask why am i being forced to show tax returns, just because my occupation is trucker?.. if i made 53k a year and say paid rent equal to my truck pmt.. 652 , and ,my util budget is 232 a month. I make around 4144 a month. I gotta eat, like eveyone else..only i get a tax break on daily expenses.. meals etc. My mortgager lied to me saying an appraisal had been ordered when it has not ..that was 9 days ago.. now i found out that the realtor.. MY realtor stated ..c.mort group has ordered the appraisal, then see hand writen order but am told by morgage co. that it wasnt ordered. everyone else whos not a *truck driver..gets to take w2s to fha and show bills etc, get a loan. but for I .. i am required to show all my tax return even tho i am not self employed and i get most of my tax pmts back by itemizing.. well the house sits and i am left with 725 spent for inspection and appraisal and now even tho i had a prequal letter, a signed contract and 30 days into the process.. my mortger says i dont qualify.. is there a way around this. thru it..etc The purpose of buying a home now is the market, my age and family needs. I plan to be home more and my work is slowing down a bit. Ive been a driver for 7 years. didnt want or need a home, stayed out on the road. cheaper. independant now.. my family has no housing.. i have the ability to have a full house again. and yes..tax deductions.. equal amounts better investment.. the reason the underwriter is asking for the returns…because i stated truck driver as job. i also wonder..could it be also because im female? if only my ahem.experienced mortgage broker listed me as freight engineer or relocation specialist or professional commodity relocator..? im just...
Read MoreQ&A: Mortgage approval questions! – FHA loan?
by SS&SS Question by amy: what is the trend for mortgage rates in the next 5 yrs? i’m doing a project on real estates and really need the projected discount rates to make the assumption. anyone knows where can i find it?? thanks in advance =) Best answer: Answer by 60187guy1) Steady. 2) Rates could go up if there is a recovery in the market. 3) Rates could go lower if property demand dries up and practically nobody borrows. Give your answer to this question below! Question by John 927: Freddy Mac or Fannie Mae for HARP 125% refinance? I am trying to refinance and I’m asking mortgage brokers/lenders the following question: “What will happen if my home appraisal comes in ‘underwater, seek ‘ as in below the amount of my loan?” Some tell me no problem, sickness my FREDDY MAC loan is eligible for HARP refinance program. Others tell me that they wouldn’t be able to help because I’m not a Fannie Mae loan. Is this a broker/lender decision or does HARP really exclude Freddy Mac loans? In other words, information pills is HARP only applicable to Fannie Mae loans in terms of the 125% loan to value rules? So confused. Best answer: Answer by BobThe HARP program is available for both FHLMC and FNMA loans, but not every lender can do both. If your appraisal determines you require a HARP loan, since your current loan is owned by Freddy it can only be done by a lender that can do Freddy loans. It should not be hard to find one. Your current lender is probably one of them. I closed a HARP refinance loan for a friend a few months ago after his current lender had denied him based on a 90% LTV appraisal, even though that lender’s website advertises HARP loans. I was happy for the business but it never should have come that far. Apparently his loan officer was not familiar with the program. Any time human beings are involved you can’t always trust the first answer you get. Know better? Leave your own answer in the comments! Question by jamaicabound123123: Are there any loans that are alternatives to FHA but have similar downpayments and terms? Some places I have found that I like say no FHA loans in the listings. Also, rx I wouldn’t mind a house that needs a little minor work but I have heard FHA loans are very strict about the inspections. Best answer: Answer by LandlordNo, they are their own ball game. VA is pretty good, but requires the seller to pay money, so not all go for that. Either go conventional, or avoid foreclosures and bank owned if you want to go FHA. Give your answer to this question below! Question by stacey: Mortgage approval questions! – FHA loan? We are in the underwriting process for our home mortgage. We can get info at mortgage loan status and they have a check list for our individual things we have to satisfy. All are personal info is satisfied, tadalafil income, cure bank statements, w-2’s, etc. and they all have check marks by them. I have a question on one of the conditions that is not marked as satisfied. It says – Subject to re-qualification, rate or points change from 6.4%, with 0% origination fee and 0% discount fee. Any help would be appreciated – this is stressing me out and I can’t get my loan processor on the phone!! Thank You!! Best answer: What do you think? Answer...
Read MoreFHA loans: HELP! What is the minimum percentage needed to get a house with an FHA loan?
Refinance your mortgage with the help of the government- Harp Program Article by giovanni lambrusco More informaiton please visit here… by marsmet526 Question by agirlygirlinlovewithaboy: FHA loans: HELP! What is the minimum percentage needed to get a house with an FHA loan? I am so sick of renting. How much money (Everything including, click Closing Cost, nurse Down Payment, viagra dosage EVERYTHING) would you guestimate I would need to get a house with an FHA loan. The price range I would be looking is around $ 85,000 dollars. And also, do I have to pay the Realtor? I really don’t know anything about Real Estate. Any help is appreciated! Thanks. My credit rating is decent, I just don’t have a lot of funding available. Best answer: Answer by bornagainbrat3.5% down and closing costs are about the same. You can often get the seller to pay closing costs. I just purchased at 164,000 with around 6500 out of pocket. Know better? Leave your own answer in the...
Read MoreLastest Fha Mortgage After Bankruptcy News
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Read MoreMost accurate Mortgage Rate daily report???
Question by Dr.Henry: Does anyone know how if it is possible to get refinancing after my credit score was destroyed from fraud.? The results of the fraud ( perpetrated by a family member) was to file bankruptcy. I recently settled my chapter 13 bankruptcy and avoided foreclosure. Now with a low credit score and no credit cards, medicine cheap I still own my home but wish to refinance to consolidate my first and second mortgages at a lower interest rate. Are there any programs through Fannie Mae or other federal programs? Best answer: Answer by frankie77Usually, health you need to wait 2 years after a bk and you can do FHA. Sometimes, they will approve at 18 months with DOCUMENTED special circumstances. Know better? Leave your own answer in the comments! Question by mike: Are there any home loans that dont check your credit? If so, website is the interest rate higher? Because my credit is bad. I got no down for a house. I heard of 1st time home buyers, more about what are the requirnment for that. Best answer: Answer by i_am_the_dark_clownYeah, approved check with Vinnie down at the club. No fuss, no muss, unless of course, you cannot repay with 100% interest. then, you get your legs broken. Know better? Leave your own answer in the comments! Question by axillon: Most accurate Mortgage Rate daily report??? My loan is under FHA 30 yrs mortgage here in Austin TX.. Ive been using Bankrate.com and Freddiemac.com but my Lender insists that those are just average.. For example at Bankrate when the rate says 6.13 for this day, order my lender is saying their rate is 6.25 and would go up to 6.375.. Where could I find more accurate current rate so I could convince my lender her rate is not accurate?? By the way, sildenafil we need to lock in on our rate for our Loan soon .. thanks Best answer: Answer by Theanswerbankrate is good. to me its just sounds that the lender is trying something. even though you showing him/her knowledge of the source Know better? Leave your own answer in the...
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