Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Northeast Dallas- Dallas- TX http://www.zillow.com/advice/Northeast-Dallas-Dallas-TX/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate Seeking to refi Old Lake Highlands rental property at more than 75% LTV http://www.zillow.com/advice-thread/Seeking-to-refi-Old-Lake-Highlands-rental-property-at-more-than-75-LTV/498367/ I have a single family home rental property with 2 years of solid renting history that I am trying to refinance. &nbsp;The issue is that I bought it as a 0% down primary residence 4 and a half years ago with a 5/1 ARM on the first lien and a 5 year balloon on the second lien. &nbsp;The property appraised at $185K in 2011, so the FMV is probably somewhere in the $185-190K range. &nbsp;Combined payoff for existing liens is $170K. &nbsp;I have capital to pay down to a 80% LTV, but not the 75% LTV that most places require for selling the loan in the secondary market.<br/><br/>If you can help refinance the house for me please let me know. &nbsp;Any other suggestions are welcome as well.<br \><br \>1 reply Fri, 21 Jun 2013 18:41:00 GMT http://www.zillow.com/advice-thread/Seeking-to-refi-Old-Lake-Highlands-rental-property-at-more-than-75-LTV/498367/ 2013-06-21T18:41:00Z Ask our community... http://www.zillow.com/advice-thread/Ask-our-community/485107/ Freddie Mac just announced a new Streamline Modification program beginning July 1 for loans at least 12 months old and 90 days in arrears. Unique in that no documentation required from borrower as Freddie will make the offer direct. Servicer can offer a combination of lower rate, 40 yr term, and/or principal&nbsp;forebearance to some underwater homeowners.&nbsp; Be interesting&nbsp;to see if&nbsp;FNMA offers similiar program.&nbsp;&nbsp;<br \><br \>1 reply Wed, 27 Mar 2013 22:28:00 GMT http://www.zillow.com/advice-thread/Ask-our-community/485107/ 2013-03-27T22:28:00Z Who does HELOC on rentals in Dallas, Tx http://www.zillow.com/advice-thread/Who-does-HELOC-on-rentals-in-Dallas-Tx/485076/ N<br \><br \>0 replies Wed, 27 Mar 2013 19:31:00 GMT http://www.zillow.com/advice-thread/Who-does-HELOC-on-rentals-in-Dallas-Tx/485076/ 2013-03-27T19:31:00Z Eldery Co-Borrow http://www.zillow.com/advice-thread/Eldery-Co-Borrow/440309/ We are planning on purchasing a new home (265K) so that my husband's elderly mother can move in with us.&nbsp; My husband has a credit score of 700 and she has a credit score of 765.&nbsp; We have a recently late payment on our mortgage but she has no mortgage.&nbsp; My credit score is not good due to medical debt.&nbsp; Number one - would they be able to qualify regardless of the late mortgage payment?&nbsp; Number two - his income is 82k and hers is 15k.&nbsp; Mine is 60K so would they use my income to help qualify but not my credit?&nbsp; Number three - since she is going to live in the house, will she not be considered a co-signer and instead a co-borrower?&nbsp; We are planning to put 10% down but could go higher.<br/>Thanks in advance.<br \><br \>3 replies Wed, 25 Apr 2012 15:05:00 GMT http://www.zillow.com/advice-thread/Eldery-Co-Borrow/440309/ 2012-04-25T15:05:00Z