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levwus said:   Penfed only offered me 200k. I cant even buy a shack for that amt. What info would get them to offer more?
  What is your monthly gross income and monthly debt total? Do you have a high credit utilization or any aged out negative items on your credit report that you could get removed to boost your score?

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Gross income is six figures with zero debt and credit score over 780. I thought for sure I'd get at least half a mil.

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levwus said:   Gross income is six figures with zero debt and credit score over 780. I thought for sure I'd get at least half a mil.
  Contact the LO and discuss it with them. If you do indeed have a six figure income, zero debt and a score of 780, you may have forgotten a zero when typing your income on the application.

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Mortgage rates are super high today compared to last week. What is going on and can anyone see in their crystal ball whether it's going down? Want to finance an investment property!

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Currently have a 10 year loan @ $200k w/ home appraised at ~$500k. Looking to refinance this into a 30 year for lower monthly payments. My only income is from SS and tax-free insurance benefits. Due to this I don't need to file and have not filed tax returns the past few years.

Any advice on my situation or will it be straight forward?

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innuen6o said:   Mortgage rates are super high today compared to last week. What is going on and can anyone see in their crystal ball whether it's going down? Want to finance an investment property!

http://www.mortgagenewsdaily.com

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UTan87 said:   Currently have a 10 year loan @ $200k w/ home appraised at ~$500k. Looking to refinance this into a 30 year for lower monthly payments. My only income is from SS and tax-free insurance benefits. Due to this I don't need to file and have not filed tax returns the past few years.

Any advice on my situation or will it be straight forward?

  Don't know if mortgage lender will require tax returns or not but to make things simpler you could file now.  Just because you don't have to file doesn't mean you can't file.  You can file a return with 0 tax liability.  File for the last 2 years.

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Anyone else having issues obtaining tax transcripts? My lender says they are stuck because IRS has slowed down tax transcript service due to data breach.
I requested my paper transcripts from IRS but that will take 5-10 days.
Any other ideas?

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TPaine said:   Chase won't fund my loan due to asbestos siding. Very angry- even the EPA says it's fine if you don't touch it, and there is not much in there. I had a lock of 3.75 on a Jumbo. Back to the drawing board.
  whats the point of buying a house if you can't touch it?

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OIiverQuackenbush said:   
TPaine said:   Chase won't fund my loan due to asbestos siding. Very angry- even the EPA says it's fine if you don't touch it, and there is not much in there. I had a lock of 3.75 on a Jumbo. Back to the drawing board.
  whats the point of buying a house if you can't touch it?

  Touch it as in drill into it or demo it... Asbestos siding is safe as long as it's encapsulated.

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innuen6o said:   
OIiverQuackenbush said:   
TPaine said:   Chase won't fund my loan due to asbestos siding. Very angry- even the EPA says it's fine if you don't touch it, and there is not much in there. I had a lock of 3.75 on a Jumbo. Back to the drawing board.
  whats the point of buying a house if you can't touch it?

  Touch it as in drill into it or demo it... Asbestos siding is safe as long as it's encapsulated.

  Agree.. people constructed and lived in houses with asbestos not too long ago.. 
  Even if you can get a bank to lend you the money, you may find it difficult to sell the house when you want to move out.


 

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levwus said:   Gross income is six figures with zero debt and credit score over 780. I thought for sure I'd get at least half a mil.

If true, that makes no sense. Something got messed up.

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Anyone else buying in sf? What kind of rates are people getting? Seems like all contingencies need to be waived, underwritten loan approval has to be in place, and have to be top three in bids with a huge downpayment to have any sort of chance at winning. Seems virtually impossible.

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Looking for a 10yr fixed home mortgage for about $220k in the state of ma. Have an excellent credit score, any suggestions on what companies have the best interest rates with no points and less closing costs etc?

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Need to close a (buying an existing home) home mortgage in 30 days. what would be the best way to go? I am hearing a local lender is the best bet, but need you guy's inputs.

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xyxyxy said:   Need to close a (buying an existing home) home mortgage in 30 days. what would be the best way to go? I am hearing a local lender is the best bet, but need you guy's inputs.
  As long as you have a good and responsive broker/agent you shouldn't have a problem with who you go with.
I closed in 29 days with a major direct lender, if I didn't, I would have faced penalties with the seller. GuaranteedRate is who I used. I had an awesome rep, if you're in NJ or PA, feel free to PM me for his name, but he's only licensed in those 2 states.

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I'm also using Guaranteed Rate, and so far the experience is really easy. I'll report back after the closing. You can do the online application and save $250, but still work with the office/person you want to by contacting the local office and getting a referral link.

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