LOAN OFFICERS

Stuart Hall

BB&T | 301-590-2363

Profile Email

Michael Parsons

Apex | 240-268-3053

Profile Email

Brent-Mendelson

1st Mariner | 240-235-5314

Profile Email

Eric Strasser

SunTrust | 301-517-5434

Profile Email

QUICK QUOTE

First Name

Email Address

Zip Code

Phone

Credit History

Comments

THIS SITE IS BEST VIEWED IN GOOGLE CHROME or MOZILLA FIREFOX

Follow @LoanOfficerMDVA

Home loan programs

-Search MD DC VA homes for sale
-Montgomery County MD

Solution Settlements, Maryland home settlements | Aaron Caruso & Curtis Abod

*You DON'T have to register to ask a question... Home owners, home buyers, we look forward to your questions. Anything mortgage & real estate related is welcome!

**If you'd also like to ANSWER questions.. Complete the Quick Quote form above. We will reply by email with instructions so you may begin to contribute to this site.
Realtors, Loan Officers, Attorney's... your quality answers are welcome. After posting consistently, you will be allowed to post your contact info & give a link to your website. If it's clear you're only posting to advertise or get a link, you will get the boot.

Sitemap

***Disclaimer***Pricing may be affected by Loan to Value ratio and credit scores. Nothing written is a commitment to lend, we are not responsible for any decisions made based on any opinions given. Rate quotes must be confirmed with your loan officer and their Lock Desk. Other lenders' info is deemed reliable and should be independently verified. Rates and programs are subject to change without notice. All locks must meet program guidelines.

Older Posts

Mortgage

I’m EU citizen and I leave in London. I only got a temporary job, but I want to buy a house, which I’ll be renting and paying off the mortgage. Is it possible to get mortgage from somewhere, if i only put down 10% deposit? My bank wasn’t really helpful, they said I need a permanent job and I can’t get a mortgage otherwise. Please help Kind Regards Anna

Down payment/grants

Is it possible to get a mortgage and buy a home without a down payment. It would be my first home. I dont have perfect credit. The thing is, is i dont even know where to start. I have epilepsy and have a large (untrained) dog that i use for a service dog. Im sick of the whole trailer park and apartment scene and its harder than heck to find somewhere to live that will let me have a large dog. Somehow she knows that im going to have a seizure before i do. Now that im driving again it is vital that i have her. She is a necessity not a luxury. Im desperate to own my own home. Ive heard that there are grants out there for people like me. However i have no knowledge on how to access the paperwork to apply for these. Do you have any info on that? Yours tips would be greatly appreciated.

Construction to perm

Hi I was wondering if there is any loan out for a construction to permanent mortgage. We have 1 and 1/2 arce of land and we really want to build. The land is free and clear. Not sure of the credit scores but they are not in the 700's. I also wanted to know if there FHA loans for construction as well Thanks.

online loan application?

just wondering if i would qualify for a home loan. is there a online application i could fill out?

Selling Home Question

I live in Mitchell, SD. I currently have owned my home for about a year and a half. I recently have been looking elsewhere career wise, and if I find a job soon I would be moving. Would it be smarter to sell my house or rent-out? Would it hurt my credit to sell already? How much would I owe the bank if I sold already? Any information on the matter would be great

Buying a New Home

I am in the military and am stationed at Fort Stewart, GA. I am being moved back to Mississippi in the summer. I own a home in Richmond Hill, GA that is under contract to be sold to a buyer with a contingency that he sells his home, (which has been a rental property for the last 7 months. His bank says that he will be approved for a my home regardless of a sell in 5 more months. 12 month rental is their policy) Now I have found a great deal on a home in Mississippi. (buying price is 234,000 with a current appraisal of 360,000. It has a seperate guest house that has been rented out for the past 2 years at 650/monthly. But I am having trouble getting a loan for it becasue I have not closed on mine in Georgia yet. I do not want to miss out on this house. Please give some advice to qualify for this home. My credit score is 780.

Home Loan

My credit score is pretty good-high 700\\\\\\\'s. My husbands is mid 600\\\\\\\'s. We have been working on improving his score, i added him to some of my good credit cards, he is paying off medical debt and last week he got a $1000 loan from the bank to show payment history for a personal loan. He does have a released tax lein from a few years ago on his report as well as some late payments. We plan to sell our current home in the next few months which i have financed on my own and want to buy a new home later this year jointly so we can use both our income on the loan. Chase informed me i can add him to the current home loan, if he gets approved. Should we send in an application for him to be added to the current loan if we plan on selling this home in the next few months? Would the benefits of adding him right before we sell be greater than the hit his score will take just by being ran for a mortgage and then ran again for a mortgage later this year when we buy a new home?

Low Closing Cost Refinanc

We live in Maryland and have a Fixed rate 20 year Mortgage at 5%. We would consider refinancing at a lower rate if very low closing costs are available. We have a sterling credit rating and thus are low risk. Do you have any offerings with low closing costs?

Refinance a CDA loan

Can I refinance a CDA loan. Been in the house for 3 plus years, have a 6.2 interest rate and would like to refinance. I'm a school teacher and it would be nice to have a lower mortgage payment. The house is underwater by 50,000, have never missed a mortgage payment and plan on keeping the house.

Current Mortgage Rates

Can you please tell me if there are still interest only mortgage loans? What are the interest rates for a 10/1 Arm? My husband and I are downsizing and am purchasing a short sale for $340K in Manassas. We would be looking for a loan in the amount of $272K. Thanks for your assistance!

HARP re-finance

Hi I would like to re-finance an AHMSI ARM underwater mortgage to a fixed rate HARP mortgage on a property I own and currently rent in South Riding VA.

Subject*rehab loan

Hi, We are considering purchasing a foreclosure in annapolis MD. Purchase price $630k. We are above the conforming rate of $560 and still require money to renovate. Do you have options that include renovation? We have excellent credit. We are looking to put 10% down. thanks, Melissa Wittke

Refinance Transfer Tax

I live in VA and in the process of refinancing my current mortgage. Nothing on the loan will change as far as owners or co-signers. My GFE states in Block #8 that I am required to pay a transfer tax. The company I'm going through said I may or may not have to pay it, that it was up to the state I live in. Do you know if VA requires this tax for a refinance? Thank you.

mortgage/visa status

I am an international student with F-1 visa and have good credit history. I am living in US for the past five years. Can you offer mortgage?

Loan

Hello, we will be in the market to refinance but we need to finish the construction on our property now. We had a fire back in 2010 and we were underinsuraned. We are not behind on our payment but we have ran out of money to complete the contruction. We are about $55,000 short of completing the project. The least we would need is $45,000. I can send you copies of some of the receipts that we have already purchased. Keith and Lorraine Ross

Refinance

I have 1st mortgage $73500 (fixed 5.5) and home equity line credit of $25,000 (variable interest). Considering refinance. Looking at lower interest rate. I have 10 yrs on lst and 9 years on equity (with option). How do I benefit from combining both?

who pays title fees in MD

Hello, when going to a settlement, the buyer usally pays for the title search, etc. The title co is saying the seller, I live in MD.

down payment

I'm looking to buy. Do you give downpayment help? I have good credit but little saved

Invest Prop Refinance

Looking to refinance out of a hard money loan and place permanent financing on a two unit investment property in 20001 zip. Gross is a fully documented $14k per month and I have fair credit. I'm looking for LTV of at least 60%. No second mortgage on this property. Hard money loan term expires in July.

FHA financing- 6 unit

I have a customer who wants to purchase 6 unit investment property in Atlanta, Ga. Is there an FHA loan that only requires 15% down payment that we can apply for? All 6 units are fully occupied. Building is approx. 6 years old. Purchase price $330,000. Fico score 770.

Subject*home equity loan

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

Subject*REFINANCE HRP

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.

Subject*Condo refinance

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?

Construction Loan

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!

FHA Loan

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?

Subject* MixUse

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.

State transfer tax

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 !!!

Subject* Refinance

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?

Construction loan reques

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

No $ down VA construction

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???

wanting to refinance

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!

preapproval va loan

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?

foreign national loan

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

quick questions!

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?

HARP LOAN

Do any of you can work with me on HARP Loan, LTV 95%, 770, MD zip 21204. Please let me know soon

refinance transfer tax

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?

ARM rates

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

Question on max LTV

Need a 90% LTV on a home in Montgomory County. New home purchase price $525K current loan amont $418K. Can you do that?

FHA Streamline

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!

Refi rates for 10 year

Seeking no cost, under $250K, primary residence, value about $580K

Refinance VA Loan

I have some questions about refinancing my VA loan to lower my monthly payment.

bd credit great salary

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 & clear. Also, I don\\\'t have a lot of debt - my mortgage & $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

QUESTIONS ON FINANCING

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

Refi

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

VA IRRL

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.

Refinance in Wash DC

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.

Foreign citizen loans

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.

first time home buyers

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.

Looking for no fee Refina

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.

Need an FHA loan

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.

Help with buying

My husband and I are looking to relocate to Delaware in late January to early February; We are currently living in Ohio. We would love to purchase a home rather than rent when we do move. We would be only putting the home in my husband's name due to my bad credit history. Now, his credit isn't where is should be either and that is where my main question lies. As of right now his highest credit score is 570. I have read that we would need at least a 640 to purchase a home. Can a loan officer help show us what we can do to help raise his score to get it where it needs to be or do we need to go to a credit agency? Also, are there loans that we can get with is low credit score? Any help on this would be great. Thanks

VA Home Loan

I am looking for someone that will loan to someone with not so good credit. I am looking for about 85,000. I am a veteran. Let me know if you can help. Thanks

Subject*Buying a House

good evening how much will be the monthly payment for a $360000 house today with a hoa of $110 for FHA fixed 30yrs here in virginia?

No closing costs

I have a VA 4.74% VA loan with a bal. of 186,400. In Feb. 2010 I filed Ch 7 BK and was discharged in July 2010. My credit score is about 625 and my house is underwater at $159,000 value according to the agent who sold these properties. Since I went BK, Citimortgage is not not reporting my payments and basically wrote off the loan. My attorney failed to get the reaffirmation form and that's why my credit report shows 0 bal. due and 0 payments since Feb. 2010. Should I refi and if so can I avoid increasing my bal. other than by adding the VA funding fee which I know I have to pay?

Subject*streamline re-fi

We are interested in doing a Streamline Re-finance of our FHA loan that is currently with another lender. We do not want to obtain cash back, just to see about lowering our current monthly payments. Our current rate is 7.25% with a balance of $164.042.000. We have had this loan with this lender since11/2007 and our history shows no late payments. This is a fixed interest rate loan and we would want to stay with a fixed rate.

refinance rate

My property was appraised at 700,000, I need to refinance my loan of 502,000. The property is located in Montgomery County, MD, single family house built in Dec 2009. What is the best 30 year fixed refi rate I can get with no points?

Free home equity lines?

Do you offer a 0 closing cost Home Equity Line of Credit with no annual fee?

DC Invest. Property Refi

I own and rent out a condo in DC, which I am looking to refinance. I have only found one lender which advertises even the possibility of refinancing an investment property. Can you provide me with any information on where to look for competitive rates for investment property refinance? I have excellent (800+) credit, and the ability to pay down the existing mortgage to achieve 75% LTV. Thanks.

a cash out loan

Could you tell me if there is financing available on doublewides on perm. foundation on 15 acres in Va. We only have a credit score of 654. We would like to do a fha cash out loan to pay off some credit cards and home improvements. Please advise.

Private party sale

What state or county (AA) fees and closing costs can be waived/reduced/avoided in a private sale between parents and children? Parents will be holding the mortgage and children will use it as an investment property?

Subject* request for info

Dear Sir/Madame I am an employee of the PG County public school and seeking additional information on the teacher next door program; additionally would like to be pre-qualified for the HUD program. I can be optionally reached at (301) 352-xxxx Harold Bowens

USDA Possible?

I am looking to see if I can secure a USDA for about $325k, my top score right now is a 656, I make 75k and another 8k in child support and my monthly costs are about 2500 with 2 cars, rent & cc pmts, I have at least 2 yrs clean payment history,and a judgment for $300 which I can clear, but my utilization is high which Im getting down to about 30% in the next 4 wks. My savings went on medical bills so my options for a down pmt are limited. The property is in 23141. 6 people in house, fiancee makes about 28k, 3 kids under 18, and 21yr old (not working). Can you guys offer any insight? Thanks.

VA Loan

Was just curious on what the current fixed rates were for a va mortgage loan. I'm in Ohio and currently have a 4.75% interest rate and was wondering if it would be worth it to refinance. I was told that there may be no closing costs with a va mortgage loan? Thanks for any info, Andrew Skipworth

mortgage loan

I have a 580 credit score I need a 75000 mortgage loan I have 5% down can I get approval

Refinancing /no closing

Does DC have a program for refinancing a loan with not closing cost?

Home Addition

Eric--we are interested in a loan to construct an addition to our primary residence. Is this a "construction" loan or a "renovation" loan? My husband and I have excellent credit. How hard it is to be approved for this type of loan. Thanks, Mary Andrews

Checking Loan Status

Can you give me a call Mon-Fri 7AM-4PM, my work e-mail is down. It's been down for two weeks. Please use my alternate e-mail. Thank you, Ms. Ross

Equity home loan

I am looking for a Home equity loan. 90%LTV. My home is valued at $135,000. My Fico score is 729 Do you have home equity loan for 10years, and if you do what are the closing cost (if any) and rate? I\'m looking for $55,000-$60,000 loan. Thanks Mike

Apartment building Lender

Do you or anyone you know finance Apartment buildings? I am an investor looking to purchase a 10 -25 unit building with existing tennants. I need to get with a lender or bank and get my financing situated. thanks for your help John

Re-Financing

My mortgage was $1,657.73 a month and that includes my insurances and taxes paid out of it as I am on the road all the time working and racing. Fannie Mae a year ago bought the mortgage on October 1st, 2010. I received my monthly bill and it now has gone up to $1,893.52. I checked with the town of Waxhaw, NC and my taxes have not gone up and also with Union County and those taxes have not gone up. My home insurance went up $100.00 more. My Escrow is showing now from $292.00 to $593.00 a month. I am a bit puzzled here. Serterus which handles the collecting the mortgage says that is because they under estimated escrow projection and had to raise it. I have never received a letter are any intent of this. Is this legal and should I look to re-finance my home? The County Tax Office said something does not sound right.

interest rate

What is interest rate ?

Renting my home

My wife and I would like to rent our current home which is a VA loan and purschase another home in the same city. What are the procedures/requirements in doing this?

construction to perm loan

I am looking for a construct to perm loan to build a log home in Carol County MD. I need a loan of about 250-270 K Am able to put down 10% This includes cost of land. Have excellent credit rating. Can you help?

No Closing Cost Refi

What is the current rate for a 30year fixed NO CLOSING COST refi in Silver Spring Md. Townhouse. 80% LTV. $400,000 principal. High FICO Score. Thanks for the quote. Ray

arlington condo refinance

What are your fixed fee closing costs for refinancing a 280k condo in zip code 22203 for a 30 year fixed rate and a 10 year arm? My credit score is 750

Mobile home loan

Do you do mobile home in a park loans? The price is $25,000. The mobile home has been update, but is a 1984.

refinance

I'm looking to refinance my home without closing costs. What are the current rates?

15% condo fee delinquency

Does anyone have a program that allows the number of unit owners who are more than 30 days late on their condo dues, to exceed 15%?? If so, what is the minimum down payment requirement. Is it a portfolio product. HELP!

Collections Catch 22

I would like to use a HELOC to pay off some collections, which would drastically improve my credit. Unfortunately, the banks and mortgage companies I have spoken to all say the collections need to be satisfied before they can give me a HELOC. Now what? If I had the money, I wouldn't need a HELOC. Thanks!

Streamline refi condo

Can I streamline refinace my non-owner occupied condo? If so, what would my rate be for a 15yr-fixed loan with 1pt? My credit scores are above 730, I have never been late on any of my payments, and the condo fee delinquency rate is less than 15%. The property is located in Howard County, MD.

do you work with MSHDA

Are You Familer With Michigan State Housing Development Authority ( MSHDA ) ?

FN Mortgage Loans

I am looking to purchase a second home in Florida, USA. Are you able to assist in relation to Foreign National Mortgage Loans and if you are what products are available? Many thanks.

FN Loans for Second Homes

I am looking to purchase a second home in Florida, USA. Are you able to assist in relation to Foreign National Mortgage Loans and if you are what products are available? Many thanks.

No cost loans

Want a 30 fixed no cost loan for 370,000 100,000 down

FHA Streamline Refinance

I want to refinance an FHA loan for

I have an investment property in PG county and am trying to refinance it. However, someone told me that PG county charges property transfer tax even for refinancing (not new buy). Does the state charge transfer tax too? how about other counties like Montgomery and Howard? Thanks for anwsering

qui

I am living in my family home which is the remaining part of my mother\\\'s estate. This home was left to myself and 3 siblings. One of which is giving me his share in the property. I need to obtqain a mortgage for $29,000 to purchase the remainder from my sisters. However, my credit rating is only fair(around600). Is there anything I can do to obtain a mortgage?:

qui

I paid for title insurance on a house that was being built and the house was destroyed by arson. I want to build again in Milford, am I entitled to any money back or a credit towards new title insurance? Or do I have to pay for this insurance all over again? Thank you

qui

Bethany Beach condo refinance

We want to refinance an investment condo in bethany beach.What are the rates and the closing costs?

When a listing has the status of PENDING, does that mean that the house is under contract, or in the process of being sold? ...or is it still available for sale?

qui

I am interested in having a property financed I would either like to use HPAP or DC Bond program for down payment and closing. I already have a signed contract and deposit. Purchase Price $63,000 Mortgage $41,000 with HPAP - Last Tax assessed at $150,000 - Last Appraisal $63,000 you can reach me at 202-427-4324 Laura Alleva or allevalaura@yahoo.com

qui

I have a Freddie mac that I HARPed a year and a half ago (almost 2) its $400,000 and I want to refinance to remove one person from the mortgage. The house value is about 400,00. Any suggestions?

qui

Do you offer 3.875% 30-year refinance at no cost/fee?

qui

Would this property qualify for a USDA loan? 10513 Norris Place Upper Marlboro, MD 20774-9260

qui

Mortgage Rates

qui

Hello, I'm living in Denver. Actually i want to know if i can join from other state.

qui

Ive been with Wells Fargo for along time. We have been trying to refinance with this company for while now but all we have accomplished is NOTHING. We have tried this modification loan process for a while, but all we get is you have to resubmit this paper, or this document, which we have done so many times. We tried it over the phone, through mail, whatever they asked for, we have not been able to resolve a thing with this company. I am not trying to run away from my obligation, my wife and I have very steady jobs, we are willing to pay for our house, and hopefully get out of this nightmare. Is there anything your company can do for us.

qui

In New Castle Delaware I observed new houses on Realtor.com for 157000 and 179000. How much of a difference would the monthly mortgage payment be for a no down payment loan. I have been repairing my credit by sending letters to the 3 different credit bureaus. I owe nothing but student loans but there were other things on my report that should not have been there. I would like to to move before next year if possible. I can be contacted at 2676223107. If it is ok I would rather pull my credit report and fax it to you.Thanks,Linda Hill-Roberts

qui

If we are in the beginning of a short sale process for our current home. We are both employed and until this have had credit scores in the 700s, but due to increasing medical bills are forced to short sale. How soon can we apply for a new, more affordable, mortgage for a Maryland home? Given today's economy, are there any lenders that will take our income and previous credit history into consideration even though we've had to do a short sale?

qui

what are today\'s rates for a 10 year fixed refinance on $350,000.00 loan. We have excellent credit and are ready to refinance.

qui

i am a first time home buyershouldi pay for transfer tax and also what is the difference between title searc and title exam,im being charge for both,should i be thanks g

qui

USDA 100% financing

qui

FHLB grant program, down payment help

qui

Do you lend in Georgia?

qui

For a construction to permanent loan for approximately $200k, what credit scores are needed for co-applicants? Also, the builder we have chosen is willing to allow us to do some of the work outselves to lower the costs to build what we need to accomodate 3 additions to our family. If us doing some of the work ourselves give us more than 20% equity, will we have to carry PMI? We have pre-qualified for an FHA loan for $250K.

qui

VA Loan Officer, streamline mortgage

qui

Maryland Loan Officer | MD local lender

qui

We need to get a pre approval letter contingent upon our credit scores going up. We have our house, want to close in sixty days. We are working with a credit restoration company who said in 60 days our scores will go up 100 points, which we will then qualify for the loan. Can you provide a pre qualify letter based on this information. We have the down. Thanks.

qui

What are today's rates for a VA refinance loan?

qui

What are today's rates? I have a 200k balance, home should appraise for 350k in Germantown MD. thanks

qui

I heard today's rates are at the lows for the year??

qui

what are today's rates?

qui

My Account

skip

Question: raising money for invest

My Answer:

Brent,

You read the post correctly. We portfolio everything, even FHA and VA loans. That is correct, our rate is the same regardless of transaction type. We don’t have pricing overlays from Fannie/Freddie or other investors. We price everything the same as long as it fits into our guidelines, which are fairly liberal. We follow Fannie/Freddie/VA/FHA guidelines, but not to a tee. For instance, we’ll do a 2-4 unit mixed use property, and I don’t know any “mortgage lender” that will do that. We don’t require reserves on any of our products either.

Our rates are very competitive especially in the jumbo arena.
http://www.tdbank.com/skipkittleson

Skip

May

2012

Question: raising money for invest

My Answer:

Your best bet is to refinance the $700k home and take out as much as 60% of the equity for the money you’ll need for your investment opportunity. We don’t have higher rates for a transaction like this as long as you have a 720 FICO score. Unlike most lenders our rate is the same regardless of occupancy type, property type or transaction type (ie. rate and term refinance or cash out).

If this investment opportunity is real estate we may be able to provide financing for that as well.

Please let me know if you would like to talk further.

Skip Kittleson
TD Bank
NMLS# 658891
o. 301-801-6709
c. 301-252-7924

Apr

2012

Question: investment prroperty loan

My Answer:

We (TD Bank) will do 1-4 unit mixed use commercial in some instances. There are some restrictions however. Please answer the questions above so we can be of more assistance.

Skip Kittleson
TD Bank
NMLS# 658891
o. 301-801-6709
c. 301-252-7924
skip.kittleson@td.com

Apr

2012

Question: Mortgage tax in purchase

My Answer:

Hello and thanks for your question. Taxes on the purchase of a new home depend on where the property is located. Most likely there will be state, county and possibly city taxes due on the purchase of property. Where is the home located? You can also find this information out by contacting the Title Attorney associated with the settlement and/or your Realtor.

Skip Kittleson
TD Bank
NMLS# 658891
301-801-6709
skip.kittleson@td.com

Apr

2012

Question: investment prroperty loan

My Answer:

If it is a residential investment property not a commercial mixed use property you should be able to get a fixed rate mortgage while taking money from the equity in it.

What type of property is it and what state is it in?

Please feel free to contact me.
Skip Kittleson
TD Bank
NMLS# 658891
o. 301-801-6709
c. 301-252-7924
skip.kittleson@td.com

Apr

2012

Question: ex off of Mortgage

My Answer:

Hi Jodie, most lenders will let you simply take your ex off your mortgage if you can show that you qualify for the mortgage on your own. You don’t have to refinance to do this if the lender agrees to this process.

If you want to refinance to get better financing terms you should be able to do this as well. We will count rental income on your primary residence. Not all lenders will do this however.

Please contact me if you have any questions.
Skip Kittleson
TD Bank
NMLS# 658891
o. 301-801-6709
c. 301-252-7924
skip.kittleson@td.com

Apr

2012

Question: construction perm loans

My Answer:

Hello and yes, TD Bank offers construction to permanent loans and I am happy to help you. Can you answer the following questions so that I can serve you better?

1. Where is the location of your build project
2. What stage are you in
3. What is the over all price range of the project
4. Are you buying a property to build on or building on property that you already own

If you would rather speak with me direct please call 301-801-6709.

Skip Kittleson
TD Bank
NMLS# 658891
o. 301-801-6709
c. 301-252-7924

Apr

2012

Question: home loan

My Answer:

Congratulations on your upcoming marraige and potentially a new home.

Applying for a home loan is fairly simple. You will need your legal names, Social Security numbers, date of birth, 2 years employment history (2 yrs not always needed depending on the situation) and 2 years housing history (renting or living with parents etc) handy when applying,

I also encourage you to provide an estimated buying price range and the amount of money you plan to use out of your pocket to buy this home. Estimates are a fine starting point.

You can apply online, over the phone, through email or in person. It is your choice.

If you’d like to apply online with me you can go to http://www.tdbank.com/skipkittleson

In the meantime, if you have any questions please post them here or contact me at your convenience.

Skip Kittleson
TD Bank
o. 301-801-6709
c. 301-252-7924
skip.kittleson@td.com
NMLS# 658891

Apr

2012

Question: Construction Home Loans

My Answer:

Hello Troy,

I offer construction financing locally and up and down the east cost. Where is the property located and what are your basic questions to start? ie. Do own the land now, buying the land and building or renovating? What is the value/sales price?

I am happy to help.
Skip Kittleson
TD Bank
o. 301-801-6709
c. 301-252-7924
skip.kittleson@td.com
NMLS# 658891

Apr

2012

Question: applying for a loan

My Answer:

You can also apply online here: http://www.tdbank.com/skipkittleson or give me a call for assistance.

Thank you,
Skip Kittleson
TD Bank
301-801-6709
skip.kittleson@tdbank.com
NMLS# 658891

LOAN OFFICERS

BB&T | 301-590-2363

Contact Stuart Hall

Apex | 240-268-3053

Contact Michael Parsons

1st Mariner | 240-235-5314

Contact Brent-Mendelson

SunTrust | 301-517-5434

Contact Eric Strasser

QUICK QUOTE

Older Posts

Contact skip

skip

Question: raising money for invest

Question: raising money for invest

Question: investment prroperty loan

Question: Mortgage tax in purchase

Question: investment prroperty loan

Question: ex off of Mortgage

Question: construction perm loans

Question: home loan

Question: Construction Home Loans

Question: applying for a loan