Zillow Advice RSS: Question-Discussion-Guide,Mortgage,La Jolla- San Diego- CA http://www.zillow.com/advice/La-Jolla-San-Diego-CA/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How do you find a good lender? How do you know when their terms are good? http://www.zillow.com/advice-thread/How-do-you-find-a-good-lender-How-do-you-know-when-their-terms-are-good/572268/ When people say to do your shopping for a lender, what does that mean exactly?&nbsp; Do you call 30 banks?&nbsp; I've tried calling banks and all they want to do is run my credit to see if I would qualify when all I want is information.&nbsp;<br \><br \>15 replies Thu, 15 Jan 2015 02:36:00 GMT http://www.zillow.com/advice-thread/How-do-you-find-a-good-lender-How-do-you-know-when-their-terms-are-good/572268/ 2015-01-15T02:36:00Z What determines the amount considered a jumbo loan? http://www.zillow.com/advice-thread/What-determines-the-amount-considered-a-jumbo-loan/189193/ 9 replies Fri, 16 Jan 2009 23:23:00 GMT http://www.zillow.com/advice-thread/What-determines-the-amount-considered-a-jumbo-loan/189193/ 2009-01-16T23:23:00Z Jumbo Portfolio with 640 FICO / $1.1M Loan / 20%+ down http://www.zillow.com/advice-thread/Jumbo-Portfolio-with-640-FICO-1-1M-Loan-20-down/505020/ I'd like to buy a $1.4M house in San Diego and am looking for a jumbo portfolio mortgage.&nbsp;<br/>-mid score is 640<br/>-20% down (I can put more down if necessary)<br/>-DTI is below 30%<br/><br/>Any ideas on any bank that may be able to help?<br/><br/>Thanks,<br/>Oliver<br \><br \>12 replies Sat, 03 Aug 2013 05:10:00 GMT http://www.zillow.com/advice-thread/Jumbo-Portfolio-with-640-FICO-1-1M-Loan-20-down/505020/ 2013-08-03T05:10:00Z I am doing a reverse mortgage. The lender is tacking pmi onto our loan http://www.zillow.com/advice-thread/I-am-doing-a-reverse-mortgage-The-lender-is-tacking-pmi-onto-our-loan/447135/ We are getting an FHA reverse mortgage.&nbsp; Our home has $1,000,000 equity and the loan is $400,000.&nbsp; Because the lender is controlling the pmi, we are not only getting a higher rate, but also having to pay interest on each installment.&nbsp;&nbsp;The loan is only&nbsp;40% of the equity in the house.&nbsp; Can't we get our own insurance?<br \><br \>3 replies Sat, 16 Jun 2012 20:47:00 GMT http://www.zillow.com/advice-thread/I-am-doing-a-reverse-mortgage-The-lender-is-tacking-pmi-onto-our-loan/447135/ 2012-06-16T20:47:00Z How do I refi a low owner occupancy, 364sf beach condo in San Diego? Only 30%LTV- NOT RISKY. http://www.zillow.com/advice-thread/How-do-I-refi-a-low-owner-occupancy-364sf-beach-condo-in-San-Diego-Only-30-LTV-NOT-RISKY/425214/ Current <a href="http://www.zillow.com/mortgage-rates/">loan</a> is 60K, value of condo 200-220K. We either want to keep loan at 60K or cash out a little if we have the option. Can do as owner occ or income. My dad will move into it and refi in his name if I can't refi with a low rate (I would pretty much need a no-doc option). Dad has no debt and about 4K monthly income. Should be easy for him to qualify for this size or larger loan, however this condo is 364sf and has low owner occupancy (17%). It is at the beach and most units in the building are used as rentals. My debt to income is high, or rather I haven't filed taxes in two years and don't have time to get that done now, so I won't qualify for bank lending. Please help me find an option to refi this at a low rate. I am keeping the condo empty in case dad has to move in. Would be nice to have it rented or have dad take over ASAP. Thanks!<br \><br \>3 replies Thu, 08 Dec 2011 19:05:00 GMT http://www.zillow.com/advice-thread/How-do-I-refi-a-low-owner-occupancy-364sf-beach-condo-in-San-Diego-Only-30-LTV-NOT-RISKY/425214/ 2011-12-08T19:05:00Z