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<channel>
	<title>Ask a Loan Officer &#124; Maryland, Virginia, D.C.</title>
	<atom:link href="http://www.choicefinance.net/blog/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.choicefinance.net/blog</link>
	<description>Local Loan Officers &#124; MD DC VA</description>
	<lastBuildDate>Fri, 03 Feb 2012 22:58:40 +0000</lastBuildDate>
	<language>en</language>
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		<item>
		<title>Subject*home equity loan</title>
		<link>http://www.choicefinance.net/blog/2012/02/subjecthome-equity-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/02/subjecthome-equity-loan/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 22:58:40 +0000</pubDate>
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				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/02/subjecthome-equity-loan/</guid>
		<description><![CDATA[hello, just filled out online info, have home valued through appraisal at 38,000 would like to leave the table with at least 30,000 for home improvements and small debt reduction. The home is free and clear and all other bills are less than 400/month. I would like to fast track this loan. what are the [...]]]></description>
			<content:encoded><![CDATA[hello, just filled out online info, have home valued through appraisal at 38,000 would like to leave the table with at least 30,000 for home improvements and small debt reduction. The home is free and clear and all other bills are less than 400/month. 
I would like to fast track this loan. what are the options
]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/02/subjecthome-equity-loan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Subject*REFINANCE HRP</title>
		<link>http://www.choicefinance.net/blog/2012/02/subjectrefinance-hrp/</link>
		<comments>http://www.choicefinance.net/blog/2012/02/subjectrefinance-hrp/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 19:43:21 +0000</pubDate>
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				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/02/subjectrefinance-hrp/</guid>
		<description><![CDATA[Curent loan with Chase(held by Fanie mae), 220K -Ist 21K IInd, 240K(appraisal) 6.25 %,Escrow waived, loan self serviced by chase , 760+, 72k ( per year). Refinance offer by CHase 4.25 with 1/2 point + 2.8k closing cost under HARP, IInd loan Heloc to be subortinated only after reducing limit to 10k. Should I accept [...]]]></description>
			<content:encoded><![CDATA[Curent loan with Chase(held by Fanie mae), 220K -Ist 21K IInd,  240K(appraisal) 6.25 %,Escrow waived, loan self serviced by chase , 760+,  72k ( per year).  Refinance offer by CHase 4.25 with 1/2 point + 2.8k closing cost under HARP, IInd loan Heloc to be subortinated only after reducing limit to 10k. Should I accept it in current market when rates are falling. Can any one help  with it for better rates or should accept it as the best. ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/02/subjectrefinance-hrp/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>Subject*Condo refinance</title>
		<link>http://www.choicefinance.net/blog/2012/02/subjectcondo-refinance/</link>
		<comments>http://www.choicefinance.net/blog/2012/02/subjectcondo-refinance/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 18:02:07 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/02/subjectcondo-refinance/</guid>
		<description><![CDATA[We have an investment condo on Brickell in Miami. Bought in 2006, 20% down on a 40 year old interest only loan through BoA Fanny Mae at a 6% interest rate. The purchase price was 285000, current values are under 200000. Our tenant pays 1400 which covers the mortgage but not the $323 HOA monthly [...]]]></description>
			<content:encoded><![CDATA[We have an investment condo on Brickell in Miami.  Bought in 2006, 20% down on a 40 year old interest only loan through BoA Fanny Mae at a 6% interest rate.
The purchase price was 285000, current values are under 200000.
Our tenant pays 1400 which covers the mortgage but not the $323 HOA monthly fee.
We would like to refinance but BoA and Quickens wont do it as they say that Fanny Mae has a blockade on condo refinance.  What can we do in order to get a shorter loan at a much lower interest rate? Are there any other lenders that would be interested?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/02/subjectcondo-refinance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Construction Loan</title>
		<link>http://www.choicefinance.net/blog/2012/01/construction-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/construction-loan/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 16:50:02 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/construction-loan/</guid>
		<description><![CDATA[We are considering building a house and are interested in the construction to permanent loan option. Are there any lenders that don't require at least 20% down payment for these loans? Our income and credit scores are both very good, but it would take us a while to save up 20% for a down payment. [...]]]></description>
			<content:encoded><![CDATA[We are considering building a house and are interested in the construction to permanent loan option.  Are there any lenders that don't require at least 20% down payment for these loans?  Our income and credit scores are both very good, but it would take us a while to save up 20% for a down payment.  We're hoping to find a lender that only requires a 5% down payment.  Thanks for your time!]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/construction-loan/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>FHA Loan</title>
		<link>http://www.choicefinance.net/blog/2012/01/fha-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/fha-loan/#comments</comments>
		<pubDate>Wed, 25 Jan 2012 15:27:54 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/fha-loan/</guid>
		<description><![CDATA[I have a $665,000 mortgage, would like to refinance. I live in Randolph county NC, have a 780 credit score, but my dti is 47%. Are there any FHA loans that I would qualify for?]]></description>
			<content:encoded><![CDATA[I have a $665,000 mortgage, would like to refinance.  I live in Randolph county NC, have a 780 credit score, but my dti is 47%.  Are there any FHA loans that I would qualify for?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/fha-loan/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Subject* MixUse</title>
		<link>http://www.choicefinance.net/blog/2012/01/subject-mixuse/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/subject-mixuse/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 14:47:21 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/subject-mixuse/</guid>
		<description><![CDATA[I'm interested in purchasing a property for the land to build a off-campus student housing mix use building. Can the land be used as collateral or is there another way to approach the financing.]]></description>
			<content:encoded><![CDATA[I'm interested in purchasing a property for the land to build a off-campus student housing mix use building. Can the land be used as collateral or is there another way to approach the financing. ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/subject-mixuse/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State transfer tax</title>
		<link>http://www.choicefinance.net/blog/2012/01/state-transfer-tax/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/state-transfer-tax/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 06:12:18 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/state-transfer-tax/</guid>
		<description><![CDATA[Hi, I am buying a new construction home in Maryland, builder had agreed to give certain amount to closing cost. Now I am in final stage of settling and looking at the HUD statement I see they have included the State Transfer taxes that seller pays for the First time home buyers in the credit [...]]]></description>
			<content:encoded><![CDATA[Hi, I am buying a new construction home in Maryland, builder had agreed to give certain amount to closing cost. Now I am in final stage of settling  and looking at the HUD statement I see they have included the State Transfer taxes that seller pays for the First time home buyers in the credit towards closing that we had agreed upon, is that right? After some research I learned the seller pays the state transfer taxes for first time home buyers in maryland, so can the builder claim this money towards the credit they had promised? Please help me , asap !!!]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/state-transfer-tax/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Subject* Refinance</title>
		<link>http://www.choicefinance.net/blog/2012/01/subject-refinance/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/subject-refinance/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 15:24:26 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/subject-refinance/</guid>
		<description><![CDATA[I refinanced with Choice Finance (Craig Coleman) many years back and I am looking at refinancing again. I have a $345,000 outstanding balance (home original price is $459,900 in 2006) at 5.75% and am thinking of a 15 or 20-year loan with 0 points. I have an 800+ credit rating. What is the current mortgage [...]]]></description>
			<content:encoded><![CDATA[I refinanced with Choice Finance (Craig Coleman) many years back and I am looking at refinancing again.  I have a $345,000 outstanding balance (home original price is $459,900 in 2006) at 5.75% and am thinking of a 15 or 20-year loan with 0 points.  I have an 800+ credit rating.  What is the current mortgage rate in HarfordCounty?  Can  get an estimate of closing costs?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/subject-refinance/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Construction  loan reques</title>
		<link>http://www.choicefinance.net/blog/2012/01/construction-loan-reques/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/construction-loan-reques/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 21:42:25 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/construction-loan-reques/</guid>
		<description><![CDATA[We are a church planning to purchase land and build our church in Silver Spring. Please let us know the requirements to get qualified for e construction to permanent loan of close a a million dollars. My name is Seme Ndzana, member of the church building committee. My email is seme@africanindependent.com]]></description>
			<content:encoded><![CDATA[We are a church planning to purchase land and build our church in Silver Spring. Please let us know the requirements to get qualified for e construction to permanent loan of close a a million dollars. My name is Seme Ndzana, member of the church building committee. My email is seme@africanindependent.com]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/construction-loan-reques/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>No $ down VA construction</title>
		<link>http://www.choicefinance.net/blog/2012/01/no-down-va-construction/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/no-down-va-construction/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 02:17:13 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/no-down-va-construction/</guid>
		<description><![CDATA[Hello! My hubby and I are looking to build our dream home in Harford County MD. We have great credit and a great income. We just haven\'t saved money for a down payment. We have our VA certificate and were really hoping to find a bank that would allow us a no down payment construction [...]]]></description>
			<content:encoded><![CDATA[Hello! My hubby and I are looking to build our dream home in Harford County MD. We have great credit and a great income. We just haven\'t saved money for a down payment. We have our VA certificate and were really hoping to find a bank that would allow us a no down payment construction loan. I know it is a long shot but if this isn\'t possible maybe some other ideas to minimize the out of pocket expenses???]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/no-down-va-construction/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>wanting to refinance</title>
		<link>http://www.choicefinance.net/blog/2012/01/wanting-to-refinance/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/wanting-to-refinance/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 21:43:29 +0000</pubDate>
		<dc:creator></dc:creator>
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		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/wanting-to-refinance/</guid>
		<description><![CDATA[If I want to refinance a property, what criteria can be used to determine or verify that it is my primary residence. Also, any advise on selecting which lenders to talk to? Historically, I\'ve stuck with the bank that I initially had the loan with (assuming it would be less hassle) and am feeling like [...]]]></description>
			<content:encoded><![CDATA[If I want to refinance a property, what criteria can be used to determine or verify that it is my primary residence.  Also, any advise on selecting which lenders to talk to? Historically, I\'ve stuck with the bank that I initially had the loan with (assuming it would be less hassle) and am feeling like it\'s time to look elsewhere, but no idea where to start?  Don\'t want to talk to too many lenders if I can help it, but wondering if I might find better terms and a better fit by going elsewhere.  Oh, my whole goal is to lower monthly costs. thanks!]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/wanting-to-refinance/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>preapproval va loan</title>
		<link>http://www.choicefinance.net/blog/2012/01/preapproval-va-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/preapproval-va-loan/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:44:26 +0000</pubDate>
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				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/preapproval-va-loan/</guid>
		<description><![CDATA[I am trying to get a preapproval letter to purchase a home with a va loan. I have cleaned up my credit but my score is still low. 592. Is there anyone who will work with this?]]></description>
			<content:encoded><![CDATA[I am trying to get a preapproval letter to purchase a home with a va loan. I have cleaned up my credit but my score is still low. 592.
Is there anyone who will work with this? ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/preapproval-va-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>foreign national loan</title>
		<link>http://www.choicefinance.net/blog/2012/01/foreign-national-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/foreign-national-loan/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:21:12 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/foreign-national-loan/</guid>
		<description><![CDATA[Hi, I live and work in South Africa, I am looking to buy a second house in Atlanta Georgia area, I have a 20% down payment readily available. I will be repaying the loan with money earned in South Africa. I have a B1/B2 visa still valid to 2018. The loan amount is 200000 use. [...]]]></description>
			<content:encoded><![CDATA[Hi, I live and work in South Africa, I am looking to buy a second house in Atlanta Georgia area, I have a 20% down payment readily available. I will be repaying the loan with money earned in South Africa. I have a B1/B2 visa still valid to 2018. The loan amount is 200000 use. Please advise if you can help
Regards
Paul Kloppers]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/foreign-national-loan/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>quick questions!</title>
		<link>http://www.choicefinance.net/blog/2012/01/quick-questions/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/quick-questions/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 13:51:09 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/quick-questions/</guid>
		<description><![CDATA[We are thinking about locking tomorrow so quick question. Is it better to keep money in bank accounts or throw it all at credit card? My husband has a high balance on his, Like 9200 with a 9500 limit. Its costing us a point with the chip loan we are using. I could throw like [...]]]></description>
			<content:encoded><![CDATA[We are thinking about locking tomorrow so quick question. Is it better to keep money in bank accounts or throw it all at credit card? My husband has a high balance on his, Like 9200 with a 9500 limit. Its costing us a point with the chip loan we are using. I could throw like 500 now and next wk on it But would that help his credit enough to make a difference? My score is 722 his is 710. We are scheduled to close in late feb. also, the theory of buying down the rate...that something to consider if we are only staying in the house for less than 5 yrs?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/quick-questions/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>HARP LOAN</title>
		<link>http://www.choicefinance.net/blog/2012/01/harp-loan/</link>
		<comments>http://www.choicefinance.net/blog/2012/01/harp-loan/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 16:07:05 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2012/01/harp-loan/</guid>
		<description><![CDATA[Do any of you can work with me on HARP Loan, LTV 95%, 770, MD zip 21204. Please let me know soon]]></description>
			<content:encoded><![CDATA[Do any of you  can work with me on HARP Loan, LTV 95%, 770, MD zip 21204. Please let me know soon]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2012/01/harp-loan/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>refinance transfer tax</title>
		<link>http://www.choicefinance.net/blog/2011/12/refinance-transfer-tax/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/refinance-transfer-tax/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 15:26:26 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/refinance-transfer-tax/</guid>
		<description><![CDATA[I live in charles county and im refinancing after buying almost 2 years ago. My bank is telling me i may have to pay a transfer tax of ~$3100. Is this correct?]]></description>
			<content:encoded><![CDATA[I live in charles county and im refinancing after buying almost 2 years ago. My bank is telling me i may have to pay a transfer tax of ~$3100. Is this correct? ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/refinance-transfer-tax/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>ARM rates</title>
		<link>http://www.choicefinance.net/blog/2011/12/arm-rates/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/arm-rates/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 02:07:58 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/arm-rates/</guid>
		<description><![CDATA[What is your best rate on a no points/no fees 3/1 or 5/1 ARM? Property location: Cecil County, MD Credit score: 740+ Down payment: 30%+ Loan amount: $250k]]></description>
			<content:encoded><![CDATA[What is your best rate on a no points/no fees 3/1 or 5/1 ARM?  
Property location: Cecil County, MD
Credit score: 740+
Down payment: 30%+
Loan amount: $250k]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/arm-rates/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Question on max LTV</title>
		<link>http://www.choicefinance.net/blog/2011/12/question-on-max-ltv/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/question-on-max-ltv/#comments</comments>
		<pubDate>Thu, 29 Dec 2011 17:38:29 +0000</pubDate>
		<dc:creator></dc:creator>
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		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/question-on-max-ltv/</guid>
		<description><![CDATA[Need a 90% LTV on a home in Montgomory County. New home purchase price $525K current loan amont $418K. Can you do that?]]></description>
			<content:encoded><![CDATA[Need a 90% LTV on a home in Montgomory County.  New home purchase price $525K current loan amont $418K.   Can you do that?]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/question-on-max-ltv/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>FHA Streamline</title>
		<link>http://www.choicefinance.net/blog/2011/12/fha-streamline/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/fha-streamline/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 21:08:50 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/fha-streamline/</guid>
		<description><![CDATA[Hi, I currently have a Fixed Rate FHA mortgage. Should my condo complex still be FHA approved if I am only interested in an FHA streamline option? Thanks!]]></description>
			<content:encoded><![CDATA[Hi, I currently have a Fixed Rate FHA mortgage. Should my condo complex still be FHA approved if I am only interested in an FHA streamline option?

Thanks!]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/fha-streamline/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Refi rates for 10 year</title>
		<link>http://www.choicefinance.net/blog/2011/12/refi-rates-for-10-year/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/refi-rates-for-10-year/#comments</comments>
		<pubDate>Mon, 19 Dec 2011 20:35:18 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/refi-rates-for-10-year/</guid>
		<description><![CDATA[Seeking no cost, under $250K, primary residence, value about $580K]]></description>
			<content:encoded><![CDATA[Seeking no cost, under $250K, primary residence, value about $580K]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/refi-rates-for-10-year/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Refinance VA Loan</title>
		<link>http://www.choicefinance.net/blog/2011/12/refinance-va-loan/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/refinance-va-loan/#comments</comments>
		<pubDate>Sun, 18 Dec 2011 20:27:22 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/refinance-va-loan/</guid>
		<description><![CDATA[I have some questions about refinancing my VA loan to lower my monthly payment.]]></description>
			<content:encoded><![CDATA[I have some questions about refinancing my VA loan to lower my monthly payment.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/refinance-va-loan/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>bd credit great salary</title>
		<link>http://www.choicefinance.net/blog/2011/12/bd-credit-great-salary/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/bd-credit-great-salary/#comments</comments>
		<pubDate>Thu, 15 Dec 2011 04:54:52 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/bd-credit-great-salary/</guid>
		<description><![CDATA[Hello, My credit score is in the 500s (as the result of acquiring medical debt while a new employee with no benefits and pay). I am now making $72,500k annually, have job security and I receive rent on an investment property that I own free &#38; clear. Also, I don\\\'t have a lot of debt [...]]]></description>
			<content:encoded><![CDATA[Hello, 
My credit score is in the 500s (as the result of acquiring medical debt while a new employee with no benefits and pay).  I am now making $72,500k annually, have job security and I receive rent on an investment property that I own free &amp; clear.  Also, I don\\\'t have a lot of debt - my mortgage &amp; $900 credit card balance.  My car, which is paid off, requires approximately 3k in repairs and I need about $2,500 in home repairs.  I need to get the home repairs so that I can rent it out to Johns Hopkins Hospital Residents/Graduate Students, etc.   My credit union only looked at my credit score; not my monthly rental.  I would like to know if you service people with similar circumstances.  Thank You]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/bd-credit-great-salary/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>QUESTIONS ON FINANCING</title>
		<link>http://www.choicefinance.net/blog/2011/12/questions-on-financing/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/questions-on-financing/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 14:45:42 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/questions-on-financing/</guid>
		<description><![CDATA[HELLO MY NAME IS EBONEE BAKER AND I WAS TRYING TO BUY A HOUSE I WANTED TO SPEAK WITH A LOAN OFFICER BECAUSE I HAVE A FEW QUESTIONS REGARDING GETTING FINANCED THROUGH CDA CAN SOMEONE GET BACK WITH ME I CAN BE REACHED AT 410-497-2903 THANKS]]></description>
			<content:encoded><![CDATA[HELLO MY NAME IS EBONEE BAKER AND I WAS TRYING TO BUY A HOUSE I WANTED TO SPEAK WITH A LOAN OFFICER BECAUSE I HAVE A FEW QUESTIONS REGARDING GETTING FINANCED THROUGH CDA CAN SOMEONE GET BACK WITH ME I CAN BE REACHED AT 410-497-2903 THANKS]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/questions-on-financing/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Refi</title>
		<link>http://www.choicefinance.net/blog/2011/12/refi/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/refi/#comments</comments>
		<pubDate>Thu, 08 Dec 2011 19:49:53 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/refi/</guid>
		<description><![CDATA[I would like to refinance both my 1st and 2nd mortgage totaling 433,000. I am Carroll County MD so could I go conventional since it is below the Jumbo threshold. Median Credit Score 655, about a 96.5% ltv, would like to finance 30 years to lower payments and apply monthly saving to paying off high [...]]]></description>
			<content:encoded><![CDATA[I would like to refinance both my 1st and 2nd mortgage totaling 433,000.  I am Carroll County MD so could I go conventional since it is below the Jumbo threshold.  Median Credit Score 655, about a 96.5% ltv, would like to finance 30 years to lower payments and apply monthly saving to paying off high interest cards.  What options exist?  Would PMI have to be paid.  I really don\'t have a ton of cash to bring to closing]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/refi/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>VA IRRL</title>
		<link>http://www.choicefinance.net/blog/2011/12/va-irrl/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/va-irrl/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 18:39:42 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/va-irrl/</guid>
		<description><![CDATA[purchased home in city of fairfax may 2010 with va loan....225,000 5%(SHORT SALE). In Sept 2011 I refianced with VA for 265,000 at 4.5% taking some money out (appraisel was at 365,000). I am looking into VA Interest rate reduction loan. Any info would be appreciated. I have the funding fee waived and am interested [...]]]></description>
			<content:encoded><![CDATA[purchased home in city of fairfax may 2010 with va loan....225,000 5%(SHORT SALE). In Sept 2011 I refianced with VA for 265,000 at 4.5% taking some money out (appraisel was at 365,000). I am looking into  VA Interest rate reduction loan. Any info would be appreciated. I have the funding fee waived and am interested in the 6000 energy improvements. ]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/va-irrl/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Refinance in Wash DC</title>
		<link>http://www.choicefinance.net/blog/2011/12/refinance-in-wash-dc/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/refinance-in-wash-dc/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 17:31:20 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/refinance-in-wash-dc/</guid>
		<description><![CDATA[Your website says there is no closing cost to refinance in Washington DC. Is this correct. I\'d like to refinance my property recently appraised at 658k(11/2011) outstanding mortgage $546k(1st $371K + 2nd $175K) what would the rate be and what would the cost be. Thanks.]]></description>
			<content:encoded><![CDATA[Your website says there is no closing cost to refinance in Washington DC. Is this correct. I\'d like to refinance my property recently appraised at 658k(11/2011) outstanding mortgage $546k(1st $371K + 2nd $175K) what would the rate be and what would the cost be. Thanks.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/refinance-in-wash-dc/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Foreign citizen loans</title>
		<link>http://www.choicefinance.net/blog/2011/12/foreign-citizen-loans/</link>
		<comments>http://www.choicefinance.net/blog/2011/12/foreign-citizen-loans/#comments</comments>
		<pubDate>Sun, 04 Dec 2011 10:41:10 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/12/foreign-citizen-loans/</guid>
		<description><![CDATA[Do you do loans to non US citizens, I would like to purchase USA property, would like to borrow up to 70% of purchase price. Ideally like to borrow 100000-250000. I am from Sydney, Australia.]]></description>
			<content:encoded><![CDATA[Do you do loans to non US citizens, I would like to purchase USA property, would like to borrow up to 70% of purchase price. Ideally like to borrow 100000-250000. I am from Sydney, Australia.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/12/foreign-citizen-loans/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>first time home buyers</title>
		<link>http://www.choicefinance.net/blog/2011/11/first-time-home-buyers/</link>
		<comments>http://www.choicefinance.net/blog/2011/11/first-time-home-buyers/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 04:47:26 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/11/first-time-home-buyers/</guid>
		<description><![CDATA[My husband and I are planning to buy our first home. We will be using his credit and income. There are nine collection accounts on his credit report that we are going to pay off in the next couple of days. That will leave 2 collections that will remain on his credit report until we [...]]]></description>
			<content:encoded><![CDATA[My husband and I are planning to buy our first home. We will be using his credit and income. There are nine collection accounts on his credit report that we are going to pay off in the next couple of days. That will leave 2 collections that will remain on his credit report until we pay them in a few months. I tried to get a pay for delete with the collection agencies but they said no. These accounts will be paid in full. Will this better our chance to get approved for a loan? He makes a decent income. We have a car loan and 2 credit cards. We got a small personal loan from our bank to pay for the debts. Any advice will be appreciated.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/11/first-time-home-buyers/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Looking for no fee Refina</title>
		<link>http://www.choicefinance.net/blog/2011/11/looking-for-no-fee-refina/</link>
		<comments>http://www.choicefinance.net/blog/2011/11/looking-for-no-fee-refina/#comments</comments>
		<pubDate>Wed, 30 Nov 2011 01:21:50 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/11/looking-for-no-fee-refina/</guid>
		<description><![CDATA[I like to do 15 yr fixed ..currently I have 30 yrs...My home mortgage is $185,000 with home value of $275000. I am located in Lathrop California 95330. I am looking for best interest rates with zero fee refinance.]]></description>
			<content:encoded><![CDATA[I like to do 15 yr fixed ..currently I have 30 yrs...My home mortgage is $185,000 with home value of $275000. I am located in Lathrop California 95330. I am looking for best interest rates with zero fee refinance.]]></content:encoded>
			<wfw:commentRss>http://www.choicefinance.net/blog/2011/11/looking-for-no-fee-refina/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<title>Need an FHA loan</title>
		<link>http://www.choicefinance.net/blog/2011/11/need-an-fha-loan/</link>
		<comments>http://www.choicefinance.net/blog/2011/11/need-an-fha-loan/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 21:54:06 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.choicefinance.net/blog/2011/11/need-an-fha-loan/</guid>
		<description><![CDATA[Hello. I am in the process of trying to buy a house in DE. I already found a house, and am under contract. The agreed sale price is $115,000. The previous mortgage company I was dealing with screwed me, after I already put money up for inspections and attorneys. My closing date is scheduled for [...]]]></description>
			<content:encoded><![CDATA[Hello.  I am in the process of trying to buy a house in DE.  I already found a house, and am under contract.  The agreed sale price is $115,000.  The previous mortgage company I was dealing with screwed me, after I already put money up for inspections and attorneys.  My closing date is scheduled for 12/15.  I have a credit score in the 635-645 range, which I was told is more then enough for a FHA loan.  Can Choice Finance help me with my situation, and would we be able to meet my closing date.  I already changed closing dates once.  ]]></content:encoded>
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		<slash:comments>2</slash:comments>
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