Help With Mortgage - Online Mortgage Advice

Am I A First Time Home Buyer?  I purchased a home on contract for deed in April 2008. Therefore I filed for the first time home buyer tax credit and received it.

I am moving and ...

Income and time on the job  I have been employed for the last five years but not at the same job. How long do I have to be on one job until I can qualify to buy my first new home?...

Mortgage Down Payment Help  My Dad owns the house that I have lived in for the last 13 years. He is ready to sell it and I want to buy it. I know I have a couple credit issues that ...

Home Improvement Loans  Hi my name is Anthony and I just purchased a home about three months ago. I barely had enough money for closing and to make matters worse, after closing ...

Buying a Third Home  We own one home which we're trying to sell, have a mortgage on a second one, and would like to buy a third. Will we have to buy it as a rental? How much ...

First Time Home Buyer Programs/Loans  My Fiancee and I are planning to start looking for a home within the next year. Her parents want to buy another home to rent but want her to apply for ...

Loan Approval  Getting a loan approval is difficult when you are self-employed. Last October, my wife began her independent consulting business and it has been a tremendous ...

Getting a low mortgage payment.  This is my first home and I am really scared I will not be able to afford it. What can I do to be sure I am getting the lowest payment possible for the ...

Down Payment Assistance Programs.  I would like to know about all the down payment assistance programs, grants, etc. out there. Additionally, I would also like to know if there are special ...

Question about interest rates  My girlfriend and I are considering buying our first home. Neither of us have stellar credit, but we both have reasonable incomes ($40k each) and are ...

Qualifying for a Home Loan  My husband and I have recently started working at new jobs that pay very well. We want to buy a house soon. However, our credit needs some repairing. We ...

Work less than a year  I have worked in a company for less than a year but I worked for a year in another company and also have a part time job. My credit score is 750 and I ...

Mortgage Payment v. Principle  Should most of your mortgage payment actually be applied to the principle portion of the loan? I was very surprised to see my monthly statements and how ...

Are there any loans available if you don't have 2 years on the job?  I do not have 2 consecutive years of work. I just turned 50 and would like to take advantage of the $8000 credit. I have never owned a home. I work ...

Foreclosure  I have a couple of questions. How long do I have to patiently wait after a foreclosure to purchase another home? Is this waiting period a long one or a ...

What are Mortgage Points?  Even though this has been a poor time for homeowners, it has been a good time for me personally. I know that this is a good time to purchase a home because ...

What is needed in order to buy this house?  My spouse and I are looking to buy a foreclosed home with 4 bedrooms and 2 baths. We currently rent and have not owned a home before. The home we are looking ...

Question About Monthly Mortgage Payment  I have two questions. Question No. 1: I want to purchase a home and I qualify as a first-time buyer entitled to the tax credit. If the purchase price ...

Do I qualify as a first time home buyer if I sold my first home 3 years ago?  Almost three years ago my partner and I went through a divorce and sold our second house which we owned and in which we lived together. We had jointly ...

What are your tips for a first time home buyer?  I'm a recent college grad and I'm looking to buy my first home. I'd like to buy a house and not rent an apartment because I like the fact that paying ...

Multiple property 

Hello. My name is Wilbert B Jr, my question is at closing with a mortgage broker do I need a closing attorney? And when buying property with a Business ...

Who is my mortgage company?  I have been divorced for a little over two years now. I allowed my ex-wife to stay in the house since the kids would be living with her. Both of our ...

Hey! I can't afford that!  My mortgage was recently sold to a new company, Ocwen.

I got my first bill from them and on it are a bunch of fees they are charging me.

Prior ...

Daughter getting divorced with upside down mortgage  First of all, thank you so much for offering this service.

Our 30-year-old daugther will soon be getting a divorce. She and her soon-to-be ex have ...

Claimed 1st time credit. IRS just told us we are not eligible?  We were advised back in 2008 by our broker that we were eligible for the tax credit. I have a home that I own independently and my husband was the sole ...

My New Mortgage  I bought a home as owner occupied but I really want for my son to live there, I will be paying the mortgage, he will just pay utilities, is it legal? What ...

First Time Home Buyers - Do I Qualify?  I'm married, my wife owns a home. We are separated but not getting a divorce at the time for the sake of our son and I don't want to waste money with rent,...

Senior Citizen With Judgment, How To Buy Condo  My ex got a 300k judgment for fees against me in family court, non-dischargable according to bankruptcy law. I have no way to pay but have a lifetime annuity ...

Ownership Question 

I am buying a house in New Hampshire and paying the down payment and closing costs myself.

If my daughter-in-law's name is put on the mortgage,...

Qualifying As A First Time Home Buyer  Hi, we are two sisters, one in California and one in NYC.

We are wondering if potentially being on the title of our parent's home in North Carolina ...

Buying a Home 1st Time To Live In Part Time  I want to buy my grandma's home in a different city so that when I or my family goes to visit her, we have a place to stay and to eventually move to full ...

Down Payment Source  

I would like to buy a house. I'm a first time home buyer and have some questions regarding down payment assistance.

Can I get real down payment ...

Colorado / Virginia Property  My husband and I co-own a house in Virginia. We have lived in Colorado for 5 years now, and when we moved to CO (military retirement and relocation for ...

1st Time Home Buyer in Arizona  In 2005 I purchased a home on my own. In 2007 I got married and in 2008 I lost my home to foreclosure.

My husband has nothing to do with that house,...

Purchase of Vacation Home  I live in CA, I am a renter and have been employed with the same company in CA for over 2 years. I am interested in purchasing a home in NV as a vacation/...

Qualifying As 1st Time Home Buyer  My wife bought a townhouse in Virgina before we were married (~2006). We have since moved to New York State. Do we qualify as a first time home buyers ...

Do I Qualify for First Time Buyer  I jointly own a property that we have now decided to sell. I want to buy a house by myself, do I qualify for first time buyer?

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Hello ...

Co-Signing a Mortgage for My Son  I own my own home and have 15 rental properties. If I should cosign for my son and if I should die would my own properties be held up in probate or would ...

Dont have my down payment  I recently made an offer on a new home, it was accepted and the house is a month away from completion. I have had some car problems and other unforeseen ...

Mortgage Loan Denied In Error  I have a 761 total credit score, excellent credit and low debt to income ratios but was denied a loan by First Merit bank because they don't make many ...

Length of Time at Address  Does it make a difference to mortgage lenders when it comes to how long you have lived at your current residence prior to obtaining a loan? Is 2 years ...

Back Taxes and Mortgage Application  Hello,

When I was hired at my current position 18yrs ago, they did not distribute pay stubs. So, it was an entire year before I discovered they also ...

Loan approval  My credit score is 610, my wife's is 740. Will we have any trouble applying for a loan? Would it be better if I was not on the loan application?

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Waiting Period to a Buy House after Moving?  I am a professor in New York and relocating to another academic position in Oregon. My old job ends August 15 and the new one begins August 15.

We ...

Out of state move  We are moving out of state soon and are hoping to purchase a home. We are wondering if we can use our bank here to process our mortgage or if we have ...

Do I qualify as a First-Time Home Buyer?  I cosigned with my parents for them to buy a home 10 years ago. They sold the house about 5 years ago. I'm wondering if I would be considered one of the ...

Do I qualify for the first time home buyer program  I'm recently separated from my wife. I have not owned a home in my name in over 6 years.

However, my wife owns a house with her parents.

Again ...

First Time Home Buyer Qualifications  Probably about 25 years ago my brother purchased (cash) a mobile home that he lived in. I know it's been at least 10 years since he sold it and has been ...

Buying a Home  I filed bankruptcy a couple years ago and it was discharged. I went through a rough divorce that put me under financially.

Since then, I am remarried ...

First Time Home Buyers Credit  If you are on disability and buy your first home, do you still qualify for the first time home buyers credit?

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Hello Friend,

I ...

Multiple Borrowers for a First Time Home Buyer Loan   Is it possible for multiple parties to participate in the first home buyer program for the same property?

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Hello Mike,

Yes, but ...

Do I qualify for First Time Home Buyer Program  I heard that if you lived in your home for five consecutive years then you qualify for the program, Is this true?

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Hello Stephanie;...

Husband Not on Previous Loan  I bought our first house before we were married. We are looking to buy another house. Would my husband qualify for a first time home buyers loan? Do ...