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Help With Mortgage - Online Mortgage Advice

Are you looking for home mortgage help? Discover some cool help with mortgage questions right here!

Are you wondering about what the qualifications are for a home loan? Perhaps you have some other questions with regard to a mortgage. Here's your opportunity to get them answered by someone who knows, someone who worked for years in the business.

Can't wait and want to ask your question right now? Click here so you can get started.

Would you like to see the free mortgage advice given to others? Click here to see what others have asked and have been answered.

No question is stupid or unimportant! So don't feel bad about asking for home mortgage help. The reason I created this answer area of my site is to help you personally.

Some may have asked the very question you were wondering about. By reading what others have asked, you may get your questions answered. If you don't find what you are looking for....fire away....pick my brain!

But I do need your help. Since I'm not sitting right there in front of you, I don't know the details surrounding your question. Thus, I need you to give me as many details as you can without revealing too much personal information.

Since this question will go live on this website to help others, I don't need information like social security number, etc. But I will need enough information to give you help with the mortgage questions you are pondering.

For example I will need information like:

  • loan product your considering
  • have you been pre-approved
  • how long ago did you apply
  • if you haven't applied, give what has been holding you back
  • will there be a co-borrower
  • how long have you been on the job
  • what are your credit scores
Not that all of that information applies to your specific question, but it gives you an idea of details that help me to help you. Ready to ask???

See What Free Mortgage Advice Others Have Received

Click below to see the questions and answers from other visitors to this page...

Separated Spouse and Mortgage Co-signing 
If a parent co-signs a mortgage for his daughter and then becomes responsible for paying that mortgage, is the parent's spouse also liable for the mortgage …

Should My Fiance' Be On The Title? 
I'm buying 50% interest in a home with my fiance' and she already had a 50% interest. I'll be borrowing from my annuity to purchase my 50% share outright. …

Clergy Trying To Buy Home - How Do We Qualify Out Of State? 
My husband and I are both ordained pastors (two different denominations). We reside in a parsonage, so we have no equity built-up. However, we are both …

Affect Of Huge Principal Payment On Mortgage 
Hi, I have a 4.75 interest on a $225,000 loan for my home. My payments are about $1660.00 per month. What if I put $100,000 towards the mortgage, …

USDA Taking To Long For Closing 
I live in Fla and I have a contract on a house. I am a first time home buyer and trying go USDA, the problem is that the sellers are putting a time …

Can I Get a Mortgage Without My Husband? 
Can I get a mortgage without my husband, whom I'm separated from? For the last four years, my husband and I have lived separately. I am wishing …

Rights of Spouse Not On Loan Documents 
My husband moved out and I have found out we are in foreclosure. I would like to salvage the house, but Bank of America refuses to talk to me …

Mortgage assumption 
Hi I have been divorced and have been paying the mortgage for a year and a half now. The deed of the home is in my name but my ex husband's …

Conventional or FHA Loan? 
I currently placed an offer on a home and it was accepted. I have had 2 different mortgage brokers work up mortgages for me but I am still confused....I …

Can I qualify for a mortgage loan?  
My husband bought a house 6 years ago but the house is in a foreclosure process, I do not have any link with the mortgage of the house but my name is in …

Joint Mortgage  
My husband and I have recently separated. I'm not on the mortgage loan due to when we refinanced, my credit score was too low. We haven't paid the …

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. …

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 …

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 …

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 …

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 …

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 …

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/resort/seco …

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

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? =====ANSWER===== …

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 …

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 …

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 …

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? …

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 …

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 …

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? =====ANSWER===== Hello Friend, …

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? =====ANSWER===== Hello Mike, Yes, …

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? =====ANSWER===== 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? …

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 …

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 …

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 …

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 …

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 …

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 …


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