Profile picture for paty69

I want to re-fi. I cannt qualify.pmt is 1800. Credit score over 850-890

Any ideas? Anyone know where I can get a legitimate loan
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
December 19 2008 - Pleasanton
We think we've answered this question for you!
  • Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.
 
 

Answers (2)

Profile picture for CORONA NICK
Someone is in lala land....
  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
December 19 2008

Income based borrowing is key to mortgage suitability and sustainability.
Instead of searching for a "legitimate loan" find out why you got denied. Treat this as a blessing in disguise. Ask your bank to send you their underwriting guidelines and rate sheet. Then do your homework.
- Get form 4506-T from the IRS, (get 4 yrs. history of your 1040 2008- 2004)
- As soon as you receive it use it to calculate your DTI.
- Determine the value of your home. Call your loacal Realtor or better yet go to Zillow's home page and get the zestimate.
- Read about LTV.
At this point you shall have realized what would be better for you.
The Bank that denied you is the bank you want to have as your Lender when the time comes. Make that your goal and I think you will be safe.

  Flag content
Close
Report a Problem

Please enter a valid email address.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.
December 19 2008
 
Related Questions
Can I refinance into a conventional loan with no PMI if I have 85% LTV and excellent credit?
Profile picture for Clearpoint
Latest answer by Clearpoint
February 18 | 17 answers
  • Asked by mortgagequestion
  • In Refinance
  • July 03 2010
RE: Mortgage loan refinancing option reports
Profile picture for Nic Netherton
Latest answer by Nic Netherton
January 31 2009 | 1 answers
  • Asked by Jim Bailey1
  • In Refinance
  • January 31 2009
I want to re-fi. I cannt qualify.pmt is 1800. Credit score over 850-890
Profile picture for CORONA NICK
Latest answer by CORONA NICK
December 22 2008 | 6 answers
I want to re-fi. I cannt qualify.pmt is 1800. Credit score over 850-890
Profile picture for Greg Darlin
Latest answer by Greg Darlin
December 20 2008 | 1 answers
I want to re-fi. I cannt qualify.pmt is 1800. Credit score over 850-890
Profile picture for Jim Tran
Latest answer by Jim Tran
December 19 2008 | 1 answers
Mortgage Rates
 
Be A Good Neighbor

Zillow Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy.

Homes for Sale
  1. 7472 Starward Dr, Dublin, CA Home For Sale
    7472 Starward Dr, Dublin, CA 94568

     For Sale: $645,000

    • Beds: 3
    • Sqft: 1590
    • Baths: 2.0
    • Lot: 3484
  2. 3275 Dublin Blvd 114 # 114, Dublin, CA Home For Sale
    3275 Dublin Blvd 114 # 114, Dublin, CA 94568

     For Sale: $429,000

    • Beds: 2
    • Sqft: 1298
    • Baths: 2.5
    • Lot: --
  3. 3619 Palermo Way, Dublin, CA Home For Sale
    3619 Palermo Way, Dublin, CA 94568

     For Sale: $899,950

    • Beds: 4
    • Sqft: 2689
    • Baths: 4.0
    • Lot: 4149