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All Locations : Nationwide Real Estate Advice

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  • Home Buying255K
  • Home Selling42K
  • Market Conditions26K

Activity 480,592
A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

I actually know Peekskill well as I mostly handle the lower NY area.

Yes, 5% does sound high with that credit score. I should be able to beat that.

The closing costs they would of given you probably include an escrow account. It's hard for me to tell if they are high without knowing more details but as far as the rate goes I'm certain I can beat that and save you some money.

We are a direct lender, we underwrite in 24-48 hours (that's fast) and I'm available almost 24/7.

If you have any questions or would like help with this you are welcome to contact me.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

You can get a mortgage with as low as a 580 credit score. You would need at least 3.5% done payment and you are allowed to roll in closing costs using a sellers concession.

If you scores were above 620 you can qualify for a program that requires no money down but this program is limited to more rural areas

You are welcome to contact me if you would like help with this.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

Some of your question is cutoff but it looks like you need help refinancing.

We have a lot of different options avialable.

I know the NY area well, that's where I mainly lend but I can lend nationwide.

I'm avialable almost 24/7.

If you can send me more details about your situation I can see if I can help you.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

You can get a mortgage with as low as a 580'credit score. If your score is below 580 there are ways to get your score up quickly.

There are a lot of programs available and most require a very low down payment and even allow you to roll closing cost into the loan using a sellers concession.

I can lend nationwide and I'm avialable almost 24/7.

If you have any questions or would like help with this you are welcome to contact me.
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A few minutes ago
Coble.ella answered:
Can I get a loan if I'm on disability?
0 votes 5 answers Share Flag
A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

I work with a lot of people that work in unions. Through their union they can sometimes work as a w-2 employee for multiple contractors throughout the year. Your situation sounds similar.

Since your hourly what we would do is gather your last two years w-2s, the two income gets averaged out over two years. We would also get a work verification form filled out so we can adjust for your currently hourly pay rate.

Either way what you described does not sound like an issue.

I can lend nationwide and I'm available almost 24/7.

I have a lot of programs available.

If you want help with this or you have any questions you are welcome to contact me.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

You probably have a good amount of equity and rates are still rather low. You may be able to refinance into a 30 year fixed and still keep your payment resonable. If you have other debt you may be able to tap into your equity and pay that off to lower your over all monthly debt as well.

So there are probably some options for you.

I handle mostly NY and can lend nationwide.

I'm avialable almost 24/7.

If you would like to see what I can do for you or have any questions you are welcome to contact me.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

There are two types of 203k loans.
If you are spending less than $35,000 on renovations you generally will not need an FHA inspector at all. If you spend over $35,000 an FHA inspector is required.

A home inspection is not required to get a mortgage however it is something that is generally recommended.

If the home has a well and a septic system FHA may require an inspection on those.

I can lend nationwide and I'm available almost 24/7.

If you have any other questions or need help with this you are welcome to contact me.
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A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

I can do 203k loans.

I'm available almost 24/7.

If you need help with this or have any questions you are welcome to contact me.
0 votes 2 answers Share Flag
A few minutes ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

Depending on your family relationship their are ways to give a gift of equity to you family member to use for a down payment on the house you are selling.

I can explain more if you would like to contact me.

We have some very flexible programs.

I just need more details so I can determine what I can do to help you.

I'm available almost 24/7.

If you have any questions or would like help with this you are welcome to contact me.
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0 votes 1 answer Share Flag
A few hours ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

You can get a mortgage with as low as a 580 credit score and you would only need 3.5% down payment. You can even roll in closing costs using a sellers concession.

We may be able to just use your husband depending on his income and so forth or I can take a look at your credit and see if we can get your score up quickly so we can put you both on the loan.

If you need help your are welcome to fill out an application on my website or you can contact me with any questions.
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A few hours ago
Gregg Pomeroy answered:
Hello, I'm a mortgage professional.

A 642 score is high enough to get a mortgage and you can get a mortgage with a car repo.

I'm available almost 24/7.

There are a lot of programs available, some require no down payment.

If you have any other questions or need help with a mortgage you are welcome to contact me.
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A few hours ago
Mrphomesolutions answered:
Travis is a baltimore based home inspector. He specializes in Home Inspections in Maryland. Where it's a radon inspection or an investor inspection Travis does it all.

Travis
4434131679 ... more
0 votes 13 answers Share Flag
A few hours ago
Renee Cox asked:
A few hours ago
Roldog13 asked:
My wife and I are seriously thinking about relocating from CT to PA. We have taken several trips out to research different areas. One town that caught our eye was Newtown, PA. Our top…
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A few hours ago
Dhooten answered:
Yes, it should be possible for you and your wife to buy a house. There are simple and inexpensive ways to raise your credit scores, without doing questionable tactics or paying somebody else.

I am not a credit repair specialist nor do I charge for my suggestions. I am a loan officer in CA.

Go to your local Credit Union (most banks no longer offer these services). Get a "share secured loan" for $300 or whatever their minimum is, the banker you see will explain, then turn around and use the same funds to open a prepaid Credit Card.

I see clients scores increase by their own actions.




Have a Direct Lender, somebody who loans their own money, pull your credit 2 months later.


Dhooten@rhloans.com
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