I am a first time home buyer and am in the process of doing research to ge a home loan. The online mortgage calculators I can find say rates are based on married, two dependent households. Because I have no dependents and all of my income would go toward my own expenses does that make me eligible for more than a married household that brings in equal income to what I earn?

I’ve gone online and all the places I visited, Lending Tree, Bankrate, E-loans, all said they don’t offer loans under 0K. I want to shop around for a good rate but it seems my options are limited.

Home price is K. Down will be K-K. So loan will be about K

Also, I see rates have gone up. Might they go back down in a month or two?

Is there anywere online to easily compare banks? We would like to purchase my husbands grandmothers house and im not sure which bank to go through. Thanks for your help!

Also where can I go to find this information without having to fill out a online loan application?

My house is worth 0000, I have 0000 in equity, I want to take out a 2nd mortgage for ,000. I’d like to know the rates currently February 15, 2007.

Thanks

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I am looking for an online mortgage calculator to give me an estimate of how much I can expect to get a mortgage for. I want to input my income (of which I have none right now, but know how much I will make when I graduate in 6 months), my loan payments, and any other expenses to find out how much an avrage bank would give me.

I’m currently dealing with a local mortgage broker but I want to be sure that I’m getting the best mortgage possible since it’s going to be a 30 year commitment. I am looking to get an FHA loan. Is there an online site worthwhile or should I go to a giant megabank or continue with a broker?

I tried to do an online mortgage approval through TD bank (previously Commerce) and got this message halfway through:

"You requested a loan amount of 5,000.00. Based on the information you provided, the maximum loan amount allowed for the property you indicated is 8,850.00."

What does this mean? That the house isnt worth 175k?

My monthly income is 5500 before taxes. I have no debt (i even own my car) and I have 20k to put down and it is telling me that I can only get a loan on 200k house????? I know a friend of mind who makes less than I do who got a loan for 300k just last year. What is the deal.
oh, and my credit score is 730

what are the pros and cons between these 2? i see the rate from online mortgage broker is lower than the bank. for example, one mortgage broker told me he is able to get me 5.875 for a 30 yr fixed while some banks are quoting me 6.25%.

first the mortgage broker guy told me he is salaried and doesnt work on commission. and he is able to a volume of sales thus able to get me a lower rate.

and he also guarantee on a bank letterhead for my loan.

so who should i go with?

plus who here ever gone with a online mortgage broker instead of a bank? and did you ever regret it? did they ever try to do the "bait and switch" on your rate when comes closing time?

I see the commericials online and on tv and they offer such low payments for their home loans. I just want to know how does that work? Is it worth it? Will I be paying way more interest? Has anyone here gotten one of those loans?

Thank You;
K

I’m reading some documents I ran accross online which references "prohibited WAN practices and practices" when covering anti-predatory lending and high-cost mortgage loans. I’ve searched every wehre i can think of to locate the definition of "WAN" but have yet to find anything.

I am looking at buying a property for 180,000. This is my first home and I can put down only 5-10%. My salary is 55,000 per year and I have a small business online that generates 20,000 per year. The property is a 5 unit apartment complex with all units currently rented and producing 2380 in monthly income currently. The total costs involved in the property if I were to own it would be 2000 per month. Should I get approved for the loan?

I have good credit but I am not sure what the rule of thumb is for a mortgage loan amount and its ratio to my income. Anybody with home buying experience that can give me some insight?

I am so ready to move out of my rental, and according to most of the online mortgage calculators I would qualify for a loan. How much difference does your credit score make? I have been making all payments on time for over 6 months and there are a few black marks set to come off my credit report in August. Also, how are student loans viewed, as I have some student loan debt?
I just checked out an online debt-to-income calculator and it says I have a 19%. This I know is correct as the figures are very straight-forward. This is a good sign, right?
Also, I have made an appointment with my bank’s mortgage originator for tomorrow afternoon. I’m just very nervous about what I’ll learn there and I’m hoping for some reassurance. So thanks!

Brokers are the most preferable to get home loans, correct ?Especially if I’m challenged on credit scores, but not LTV% or DTI. Am a first time home buyer and perplexed by what the market offers.

They all say "NO PROBLEM, we can help you wrap your two current loans for better rate, but every one of them "need more and more requirements and INFO".

I’m 20yrs and have already completed my general education courses. I find that having an education is important; specifically one in business accounting and finance. However, I’m also working as a loan officer assistant and plan to start doing my own loans part-time….thus I find that an online education is my only recourse.

*ANY SUGGESTIONS

*IF YOU DON’T LIKE THE UNIOFPHOENIX DO YOU KNOW OF OTHER ONLINE SCHOOLS (you have to name a specific school that offers a business finance and or accounting otherwise I will report you and your answers will be removed)

*
10 points to the best answers

I’m looking for ideas, mentors, and possible help that will help me become a loan officer…my goal is that by 30 I will become my own mortgage broker…NO I"m NOT LOOKING TO BE A RICH SCAM RATHER JUST LIVE A COMFORTABLE LIFE….Los Angeles, CA

any ideas would help……and thanks…..

I plan to start a career as a loan officer and want to do business primarily on the internet, from home, as well as get the training on-line and/or by phone. I’m thinking about joining either Apex Lending or Premier Mortgage. Trancontinental Lending Group is also an option. Anyone have feedback regarding these companies? I’m really leaning towards Apex Lending because I like the business structure, however there is a one-time 0 fee for purchasing software that allows you to run the business on the internet and from home. The software has the 1003 appl, credit score/info viewing, matches programs to client info, manages your accounts, funds, can do business in atleast 20 states, etc. Is having to pay this fee a norm when getting started, if so, are there companies that have a lower start up fee? I have taken a 24-hour mortgage broker course in Florida recently, but haven’t taken the licensing exam yet. I will need a mentor for the first few deals and would like to get started soon.

I would like to find a program (online or for Microsoft works spreadsheet) that I could use to enter the amount of each payment that I make on my loan which would show me the remaining principle, total payoff amount remaining, and length of time until the mortgage is paid off, so that I could track the progress of the loan and how larger payments affect the balance of the loan. Does anyone know where I might be able to get such a thing? is there anything out there that is free of charge? Thanks in advance.

I filed bankruptcy about 4 years ago and my credit has been raising slowly. I pulled my credit report and found two medical collections against me that were not mine. I contacted the proper people and they agreed to remove them. Only one was removed and I have been trying for 6 months to get the other off. I have a letter stating they both were to be removed, but when applying for a mortgage online they pull my credit report and see a collection against me.
My debt to income ratio is pretty low so I sould qualify for a home purchase loan, but I have been turned down by my credit union.
Who offers home loans for people with credit problems?

My husband and I are very seriously thinking about refinancing our current mortgage through Quicken Loans (online). What do you know about this company? Have you ever financed through it? I haven’t really heard anything bad about them… I just haven’t heard anything at all.. which concerns me. My husband foolishly says, "no news is good news…" Is he right? Tell me what you know!!! Please help this newlywed couple out!!

I have been approached by online mortgage companies to work from my home. I am skeptical of the promises of more loans for less money. Has anyone ever done this type of work before; and what was your experience with them?

I was looking up my credit report online and for the questions to make sure I was me I was asked about mortgage loans in two different years that I know nothing about. I’m renting a apartment and haven’t took out any loans that I can think about