Bankruptcy 2nd Mortgage Loan Resources

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How to Qualify For a FHA Home Loan
Current home owners needing to refinance and first time home buyers can qualify for a FHA home loan quite easily if certain requirements are met. Although FHA generally looks at the overall credit profile and not just credit score there are still some basic requirements a borrower has to meet. One of the most important is the mortgage has to have been paid on time for the last 12 months.

FHA and your credit score
FHA loans are not influenced by your credit score. If you have a low credit score and think that you cant qualify for a mortgage then an FHA loan may be your answer.

FHA Manual Underwriting
Some lenders will not touch an FHA loan that can not be approved through an automated underwriting system, and some have started to require minimum credit score requirements. However, there are quite a few lenders who will manually underwrite FHA loans.

FHA Lending in the State of Massachusetts
FHA mortgage loans are an excellent source of financing in the State of Massachusetts. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie Mae financing. With purchase money financing with just 2.25% down and cash-out refinancing up to 95% of the value of your home, FHA mortgage financing may be your best bet. FHA financing also allows gift funds as the down payment for purchase money transactions. Contact your mortgage professional at or via e-mail at [email].

FHA Lending in the State of North Carolina
FHA mortgage loans are an excellent source of financing in the State of North Carolina. FHA loans are a government insured loan that tends to be a little more lenient credit-wise than traditional Fannie Mae financing. With purchase money financing with just 2.25% down and cash-out refinancing up to 95% of the value of your home, FHA mortgage financing may be your best bet. Contact your mortgage professional at or via e-mail at [email].

Can I Refinance My Home If I Had It On The MLS?
If you have recently had your home listed for sale on the MLS there are a few ways that it will affect your ability to refinance the home. First of all be sure to mention to your mortgage professional right away when the home was last listed for sale. Every lender has different requirements and while some can refinance as soon as one day after you pull it off the MLS, some will make you wait up to six months or even longer before they will proceed with a new loan.