Loan Scenarios

Loan Scenario: FL, 636, Purchase

suepam — Thu, 19 Nov 2009 14:46:56 GMT

Loan Scenario

Loan State: Florida
Loan County: Collier
Loan Type: Purchase
Loan Amount: ---
Property Value: $143,000
LTV: ---
FICO: 636
DTI: 38
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

client has 3 trade lines and cancelled rent check 0 x 30 prefer usda loan looking for lender who can re-issue my credit as afraid if it gets...

Loan Scenario: OH, $154,000, 672, 100% LTV, Cash Out Refinance

Jason Harris — Fri, 20 Nov 2009 20:57:55 GMT

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Loan State: Ohio
Loan County: Lake
Loan Type: Cash Out Refinance
Loan Amount: $154,000
Property Value: $154,000
LTV: 100%
FICO: 672
DTI: 38
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for someone reliable that I can refer a client to. This is for a VA transaction between 95%and 100%. The hitch is I need to be able...

Loan Scenario: TX, $135,000, 760, 68% LTV, Purchase

Ed Cortes — Fri, 20 Nov 2009 19:49:05 GMT

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Loan State: Texas
Loan County: Travis
Loan Type: Purchase
Loan Amount: $135,000
Property Value: $200,000
LTV: 68%
FICO: 760
DTI: 33
Occupancy Type: Non-Owner Occupied
Property Type: 2 Unit Duplex

Does anyone know of an investor who is offering the FNMA multiple property loan? Borrower has 7 properties financed, this would be her 8th....

Loan Scenario: CA, $544,000, 720, 80% LTV, Purchase

natallia — Wed, 18 Nov 2009 23:44:18 GMT

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Loan State: California
Loan County: San Mateo
Loan Type: Purchase
Loan Amount: $544,000
Property Value: $680,000
LTV: 80%
FICO: 720
DTI: 40
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Borrower wants to buy and move into a house that she currently rents. Right now she has an elderly care facility in the subject and leases the...

Loan Scenario: FL, $545,000, 747, 88% LTV, Purchase

Bette Miller — Wed, 23 Sep 2009 02:16:20 GMT

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Loan State: Florida
Loan County: Palm Beach
Loan Type: Purchase
Loan Amount: $545,000
Property Value: $617,000
LTV: 88%
FICO: 747
DTI: 35
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for 90% financing, or 80/10/10. Borrower has found some on the retail side; anything else? Borrower is fine with an adjustable.

Loan Scenario: TX, $200,000, 89% LTV, Refinance (Rate and Term)

David Robnett — Wed, 11 Nov 2009 15:46:39 GMT

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Loan State: Texas
Loan County: Dallas
Loan Type: Refinance (Rate and Term)
Loan Amount: $200,000
Property Value: $225,000
LTV: 89%
FICO: ---
DTI: ---
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

FHA Streamline Refinance. 0x30 on mortgage. sub 580 credit score, so is there anyone still doing mortgage only's for no credit qualifying...

Loan Scenario: MD, $830,000, 800, 59% LTV, Refinance (Rate and Term)

Stuart Landry — Tue, 17 Nov 2009 21:54:39 GMT

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Loan State: Maryland
Loan County: Frederick
Loan Type: Refinance (Rate and Term)
Loan Amount: $830,000
Property Value: $1,400,000
LTV: 59%
FICO: 800
DTI: 30
Occupancy Type: Owner-Occupied
Property Type: 2 Unit Duplex

58 Acres....2-unit....non-working farm. Any ideas out there?

Loan Scenario: TN, $670,000, 780, 75% LTV, Refinance (Rate and Term)

JTD — Thu, 24 Sep 2009 20:11:38 GMT

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Loan State: Tennessee
Loan County: Fayette
Loan Type: Refinance (Rate and Term)
Loan Amount: $670,000
Property Value: $890,000
LTV: 75%
FICO: 780
DTI: 27
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for 30 yr. fixed jumbo rates

Loan Scenario: FL, $139,000, 610, 100% LTV, Purchase

suepam — Mon, 26 Oct 2009 15:15:43 GMT

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Loan State: Florida
Loan County: Collier
Loan Type: Purchase
Loan Amount: $139,000
Property Value: $139,000
LTV: 100%
FICO: 610
DTI: 25
Occupancy Type: ---
Property Type: Single Family Residence

looking for A USDA LENDER WHO CAN DO PURCHASE LOAN OF 139,000 WITH A 610 SCORE. D/R GOOD 25/38 BUT DOES HAVE SOME OLD COLLECTIONS. AND 2 CURRENT...

Loan Scenario: MD, $285,000, 760, 57% LTV, Cash Out Refinance

Rob McIntire — Mon, 16 Nov 2009 22:14:48 GMT

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Loan State: Maryland
Loan County: Calvert
Loan Type: Cash Out Refinance
Loan Amount: $285,000
Property Value: $500,000
LTV: 57%
FICO: 760
DTI: 22
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for the cheapest deal on a 30yr fixed! Would like to see a few different options. Thanks

Loan Scenario: AL, $284,000, 799, 80% LTV, Refinance (Rate and Term)

Stanley Johns — Sat, 14 Nov 2009 14:17:50 GMT

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Loan State: Alabama
Loan County: Madison
Loan Type: Refinance (Rate and Term)
Loan Amount: $284,000
Property Value: $355,000
LTV: 80%
FICO: 799
DTI: 26
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

I am looking for advice on weather or not to consolidate loans: 30 yr first mortgage at 4.875% with a balance of $178,875 and 24 years remaining...

Loan Scenario: CA, $700,000, 760, 45% LTV, Purchase

Pete LoPresti — Wed, 23 Sep 2009 01:26:29 GMT

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Loan State: California
Loan County: Orange
Loan Type: Purchase
Loan Amount: $700,000
Property Value: $1,565,000
LTV: 45%
FICO: 760
DTI: ---
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

High credit scores (750+), 53% ltv, SFR, purchase, primary residence, high reserves. The income for 2008 is WAY lower than 2007...Fannie/Freddie...

Loan Scenario: AZ, $240,000, 636, Refinance (Rate and Term)

Rob Ellis — Fri, 13 Nov 2009 19:22:48 GMT

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Loan State: Arizona
Loan County: Maricopa
Loan Type: Refinance (Rate and Term)
Loan Amount: $240,000
Property Value: ---
LTV: ---
FICO: 636
DTI: 40
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

VA IRRRL, mortgage lates on HELOC which have been brought current, never late on VA loan; HELOC will subordinate.

Loan Scenario: HI, $1,200,000, 680, 55% LTV, Refinance (Rate and Term)

Scott Coffman — Fri, 13 Nov 2009 00:50:06 GMT

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Loan State: Hawaii
Loan County: Honolulu
Loan Type: Refinance (Rate and Term)
Loan Amount: $1,200,000
Property Value: $2,200,000
LTV: 55%
FICO: 680
DTI: 35
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Is there anyone still offering a JUMBO REVERSE mortgage product out there? Couple built their waterfront home 45 years ago and have lived there...

Loan Scenario: MD, $660,000, 690, 78% LTV, Refinance (Rate and Term)

Thunderfish67 — Fri, 06 Nov 2009 21:47:20 GMT

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Loan State: Maryland
Loan County: Howard
Loan Type: Refinance (Rate and Term)
Loan Amount: $660,000
Property Value: $850,000
LTV: 78%
FICO: 690
DTI: ---
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

REFI to 30-year fixed. Looking to stay in home for 10 years at least...looking to pay off large amount of revolving debt to increase FICO to...

Loan Scenario: FL, $305,000, 730, 109% LTV, Refinance (Rate and Term)

Jose Gonzo — Sat, 24 Oct 2009 13:25:51 GMT

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Loan State: Florida
Loan County: Collier
Loan Type: Refinance (Rate and Term)
Loan Amount: $305,000
Property Value: $280,000
LTV: 109%
FICO: 730
DTI: ---
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

I am on my second year on a 5/1 arm. The current rate is 5.00. Want to lock into a 30 year fixed at 5.00 or less. Ideally, including the closing...

Loan Scenario: VA, $575,000, 745, 75% LTV, Purchase

Chida — Thu, 05 Nov 2009 05:23:05 GMT

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Loan State: Virginia
Loan County: Fairfax
Loan Type: Purchase
Loan Amount: $575,000
Property Value: $770,000
LTV: 75%
FICO: 745
DTI: 12
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Hello there, I currently have a town home & eying on a new single family home so that cud take advantage of the low sales price that exists...

Loan Scenario: NY, $350,000, 720, 32% LTV, Cash Out Refinance

David Nawrot — Thu, 12 Nov 2009 17:41:16 GMT

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Loan State: New York
Loan County: Nassau
Loan Type: Cash Out Refinance
Loan Amount: $350,000
Property Value: $1,100,000
LTV: 32%
FICO: 720
DTI: 45
Occupancy Type: Non-Owner Occupied
Property Type: Single Family Residence

the big kicker is it is on the market. will take it off the market if there is a product available for home just being listed for sale.

Loan Scenario: CO, $550,000, 730, Refinance (Rate and Term)

Kolorado — Tue, 10 Nov 2009 20:52:44 GMT

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Loan State: Colorado
Loan County: Jefferson
Loan Type: Refinance (Rate and Term)
Loan Amount: $550,000
Property Value: ---
LTV: ---
FICO: 730
DTI: ---
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

We started a DIY remodel and so far have turned a 4 bedroom/2.5 bath into a one bedroom/1 bath. Have been told that the house can not be appraised...

Loan Scenario: TX, $382,000, 650, 91% LTV, Refinance (Rate and Term)

Ken Bearce — Wed, 11 Nov 2009 00:57:41 GMT

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Loan State: Texas
Loan County: Harris
Loan Type: Refinance (Rate and Term)
Loan Amount: $382,000
Property Value: $420,000
LTV: 91%
FICO: 650
DTI: 42
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Full doc

Loan Scenario: CA, $300,000, 720, 50% LTV, Construction

Jim Kupper — Mon, 09 Nov 2009 22:28:43 GMT

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Loan State: California
Loan County: Stanislaus
Loan Type: Construction
Loan Amount: $300,000
Property Value: $600,000
LTV: 50%
FICO: 720
DTI: 38
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for a wholesale lender in CA that I can broker either residential lot loans or constructions to permanent loans to.

Loan Scenario: CA, $640,000, 780, 80% LTV, Purchase

Arvind Aggarwal — Wed, 04 Nov 2009 13:44:06 GMT

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Loan State: California
Loan County: Contra Costa
Loan Type: Purchase
Loan Amount: $640,000
Property Value: $800,000
LTV: 80%
FICO: 780
DTI: 30
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

Looking for a Purchase. Low DTI. High scores (780+)

Loan Scenario: KY, $117,600, 699, 80% LTV, Purchase

Matthew Malin — Wed, 21 Oct 2009 23:02:42 GMT

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Loan State: Kentucky
Loan County: Jefferson
Loan Type: Purchase
Loan Amount: $117,600
Property Value: $147,000
LTV: 80%
FICO: 699
DTI: 5
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

My wife and I are getting ready to purchase our first home, we have a signed contract. We have a total of around $25k on hand, and a relative...

Loan Scenario: NJ, $360,000, 575, 89% LTV, Refinance (Rate and Term)

Sal Criscuolo — Thu, 05 Nov 2009 18:19:21 GMT

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Loan State: New Jersey
Loan County: Monmouth
Loan Type: Refinance (Rate and Term)
Loan Amount: $360,000
Property Value: $405,000
LTV: 89%
FICO: 575
DTI: 51
Occupancy Type: Owner-Occupied
Property Type: 2 Unit Duplex

FHA Streamline with a non occupant co borrower on a 2 family

Loan Scenario: TX, $479,250, 635, 96% LTV, Purchase

Lea Shaw — Thu, 05 Nov 2009 17:29:42 GMT

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Loan State: Texas
Loan County: Fort Bend
Loan Type: Purchase
Loan Amount: $479,250
Property Value: $500,000
LTV: 96%
FICO: 635
DTI: 36
Occupancy Type: Owner-Occupied
Property Type: Single Family Residence

VA Jumto, had BK discharged 8/2007, exellent credit since.