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If you don't own the land it will be nearly impossible to refinance. Of the lenders with whom you spoken...did you ask them why they couldn't help you? That's your clue to the issue at hand. If you cannot remedy the problem and have sufficient credit, income and equity there will be nothing more you can do.
Have you inquired with a credit union? Who is financing the home now? Is there someone who can loan you money using the mobile as collateral?
I am a Senior Loan Officer with Bank of America, and I offer Physician loans in most states including Arizona. At Bank of America our Doctor Loan program is the best of class. Any MD or resident can qualify, and our interest rates are lower than other lenders with these loan products.
Benefits of our Doctor Loan:
- 5% down with no mortgage insurance on loans up to $1 million
- 10% down with no mortgage insurance on loans up to $1.5 million
- Much lower interest rates than other comparable down payment programs
- Ability to exclude student loan payments from qualifying ratios
- Less work history required than a traditional mortgage
Feel free to reach out to me directly for a consultation, I lend in almost all states and would be happy to discuss our Doctor Loan program with anyone looking at this option.
Senior Lending Officer
Bank of America
Email: firstname.lastname@example.org... more
Is she going to be helping with your mortgage? The added income will probably boost what you qualify for but it will probably increase your interest rate. Phoenix is notoriously higher priced. I would look outside of Phoenix (Glendale, Peoria, Ahwatukee) where you can find just as nice a house for less.... more
Hmm...don't know what you have in mind, but you'd probably do better to get a new first mortgage. It may be easier to qualify for a "first" since your credit score is on the low side - assuming you meet all other lending criteria.
If you'd like a referral to a lender, drop me a line.
You may want to offer a joint venture where the money investor buys the house in their name, you're responsible for the rehab work and you split the profit when sold. Make sure you involve an attorney to protect yourself.... more
I had the same issue and went with Ventana Loan Services. They seemed to have the best rates around. And I've checked. Their website is www.ventanaloans.com. The phone number is 866 229 1268. Good luck! Ask for Al or Steve. They were REALLY helpful!... more
There are good Programs out there for first time home Buyers (anyone that has not owned a home in the last 3 years) and there are some great ones depending on credit score, what city and county you are going to live in. There is a program for every situation, some programs do allow credit problems along with some do not require repayment if you sell the home in a certain time frame. That is why I recommend for you to speak to a counselor that is up to date on all the programs. Some programs even run out of funds at different times of the year I was able to speak to https://phoenixdownpaymentassistance.xyz they did a great job and I closed in 30 days... more
When you refer to "closing costs" are you referring to lender fees or all items required to be paid by you at close (including title fees, appraisal fee, prepaid items, etc.)? If you are only referring to lender fees, I may have much better options for you depending on your credit score.
Also, no one can answer which option is best for you without knowing your goals. Is your plan to stay in the home for 2 years, 5 years, 10 years, retire there? In each scenario, you are trading upfront fees for monthly savings, so there is a break even point and it is up to you to decide whether you will keep the loan past that break even point.... more
Your rate won't change much but you will generally have higher closing costs than someone with flawless credit. Check out The Lenders Network, they can refer you to a few companies to give you some quotes to compare.... more
Yes, and appraiser will appraise a house with an empty pool, but it is unlikely that any lenders will lend on a home with a non-functioning pool. Don't waste your money on an appraisal until you determine the status of the pool and if it will be functioning by COE. They may require the appraiser to make a second visit before COE to check on pool.... more
If you would like assistance sorting through all of the lenders that may have responded to you and also talking with my approved VA lenders that I have worked with for years, please let me know. I am also one of the few Certified Military Residential Specialists here in the valley (CMRS). My main focuse with Veterans and active military personnel is to make sure you are getting treated in the best way and that your process is safe, efficient and thorough.
10601 N. Hayden Rd #I-100
Scottsdale, AZ 85260