Question by deery13579@sbcglobal.net: Is there any lenders who do not go by the fannie freddie guidelines for home loans?
Needing fha home loan. Need to find lender who will not go by fannie freddie guidelines because my pay is through tip income. I claim every bit of my tips so amount of income is not a problem just time with employer to be able to count tips. So does anybody know of any banks or credit unions who can help.
Best answer:
Answer by glenn
If you want a non conforming loan you would need to put at least 20% down- probably more.
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Question by Shelly: How does Obama’s “Home Affordable Modification Program” work?
Do they grant it if you are breaking even on finances, dosage or if you are in extreme debt? I am seeking to gain some aid in lowering my monthly payments, price since my salary was reduced and I may not be able to pay my mortgage in about 3-6 months. PLEASE HELP! I don’t want foreclosure!
Best answer:
Answer by supermom414
hi actually i am going through the process right now as long as you show proof of income and proof of reduction they will be able to help you and also it depend on if you are current or late there is diffrient programs out there you have to call your lender to see what is best fot you also try this website http://www.makinghomeaffordable.com/ im in process right now i was paying close to 1800 not including home owners insurance or realstate tax now im paying 1085 including everything im on a 3 month trial so they can see i can afford it . but give them all call you have nothing to loose .but your home if you dont look for help now blessings to you hope this helps you
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