Zillow Advice RSS: Question-Discussion-Guide,Mortgage,Loveland- CO http://www.zillow.com/advice/Loveland-CO/mortgage/question-discussion-guide/ Zillow Advice search results | Zillow Real Estate How do I get a notary to help with a Home refinance deal from Wells Fargo? http://www.zillow.com/advice-thread/How-do-I-get-a-notary-to-help-with-a-Home-refinance-deal-from-Wells-Fargo/540035/ I currently have a home mortgage with Wells Fargo. I have been offered a no cost refinance deal from them at a lower interest rate. They sent a Close at Home package kit for me to sign and get notarized. Do I need to get a mortgage loan person to help me?<br \><br \>7 replies Fri, 09 May 2014 17:17:00 GMT http://www.zillow.com/advice-thread/How-do-I-get-a-notary-to-help-with-a-Home-refinance-deal-from-Wells-Fargo/540035/ 2014-05-09T17:17:00Z FHA Mortgage Insurance http://www.zillow.com/advice-thread/FHA-Mortgage-Insurance/484565/ I have an FHA refinance in February 2011 at 4.25%. &nbsp;The Mortgage <br/>Premium &nbsp;goes for 5 years till Feb 2016. I will have at least an LTV of 78% or more based on the growth rate of the home. &nbsp;Can I simply request another FHA appraisal to cancel the insurance?<br/><br/>Or this the next&nbsp;scenario&nbsp;the truth<br/><br/>Based off the purchase price in 2011 I will owe $5000 to get the LTV down to 78% to cancel the mortgage&nbsp;insurance&nbsp;premium.<br/><br/>Thanks,<br/><br/>&nbsp;<br \><br \>6 replies Mon, 25 Mar 2013 02:36:00 GMT http://www.zillow.com/advice-thread/FHA-Mortgage-Insurance/484565/ 2013-03-25T02:36:00Z Does anyone know of any lenders in Colorado who work with the FHA back to work program. My husband http://www.zillow.com/advice-thread/Does-anyone-know-of-any-lenders-in-Colorado-who-work-with-the-FHA-back-to-work-program-My-husband/517614/ 4 replies Sat, 02 Nov 2013 00:20:00 GMT http://www.zillow.com/advice-thread/Does-anyone-know-of-any-lenders-in-Colorado-who-work-with-the-FHA-back-to-work-program-My-husband/517614/ 2013-11-02T00:20:00Z Bankruptcy, 684 FICO, Non-traditional financing? http://www.zillow.com/advice-thread/Bankruptcy-684-FICO-Non-traditional-financing/513396/ Medical Bankruptcy 5 months ago<br/>Good job making 44k/year<br/>$600/month in total expenses, including housing<br/>23k down<br/>Fico score back to 684<br/>Interested in properties under 100k<br \><br \>3 replies Sun, 29 Sep 2013 09:42:00 GMT http://www.zillow.com/advice-thread/Bankruptcy-684-FICO-Non-traditional-financing/513396/ 2013-09-29T09:42:00Z Who will lend to me in colorado? http://www.zillow.com/advice-thread/Who-will-lend-to-me-in-colorado/486791/ myfico.com reports me as a 643 and my husband reports as a 630. We have reasonable income, 50 - 60 k a year and are looking for a loan for about 100-115k with minimal down. We are first time home buyers with no repo's or anything in our history - though we do have a couple of negatives on our reports. I know no one can guarantee anything with out an actual credit report. Were just desperately seeking a starting point, someone who is forgiving for past mistakes and so on to begin our journey with and maybe tell me what we could qualify for, or what we would need to do to qualify as quickly as possible. <br/>Looking forward to any responses! <br/>Tonya<br \><br \>7 replies Sun, 07 Apr 2013 19:15:00 GMT http://www.zillow.com/advice-thread/Who-will-lend-to-me-in-colorado/486791/ 2013-04-07T19:15:00Z What can I do to get more (or better) quotes for my loan request ZR-SQDJVNG http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SQDJVNG/378990/ 0 replies Thu, 30 Dec 2010 08:03:00 GMT http://www.zillow.com/advice-thread/What-can-I-do-to-get-more-or-better-quotes-for-my-loan-request-ZR-SQDJVNG/378990/ 2010-12-30T08:03:00Z How do we apply/ obtain a mortgage loan after bankruptcy? http://www.zillow.com/advice-thread/How-do-we-apply-obtain-a-mortgage-loan-after-bankruptcy/368808/ 2 replies Tue, 05 Oct 2010 00:59:00 GMT http://www.zillow.com/advice-thread/How-do-we-apply-obtain-a-mortgage-loan-after-bankruptcy/368808/ 2010-10-05T00:59:00Z Can my wife Qualify for a FHA loan by herself? http://www.zillow.com/advice-thread/Can-my-wife-Qualify-for-a-FHA-loan-by-herself/326355/ <p>So we currently own a duplex, we live in one side and rent out the other. We purchased the home back in Feb 2006 with an <a href="http://www.zillow.com/fha-loan/">FHA</a> mortgage.&nbsp;Last year we did a refi but I took her off the <a href="http://www.zillow.com/mortgage/">loan</a> and now the FHA&nbsp;mortgage is only in my name. She has good credit and has worked at the same place for a little over 5 years. Can she qualify for an FHA on her own?</p><br \><br \>11 replies Fri, 19 Feb 2010 21:34:00 GMT http://www.zillow.com/advice-thread/Can-my-wife-Qualify-for-a-FHA-loan-by-herself/326355/ 2010-02-19T21:34:00Z (Moved): How do I delete Owner's Estimate http://www.zillow.com/advice-thread/Moved-How-do-I-delete-Owner%27s-Estimate/310005/ This discussion has been moved to the following location: <a href="http://www.zillow.com/advice-thread/How-do-I-delete-Owner%27s-Estimate/309393/">http://www.zillow.com/advice-thread/How-do-I-delete-Owner%27s-Estimate/309393/</a><br \><br \>0 replies Tue, 29 Dec 2009 19:39:00 GMT http://www.zillow.com/advice-thread/Moved-How-do-I-delete-Owner%27s-Estimate/310005/ 2009-12-29T19:39:00Z Does every refinance go through Freddie Mac & Fannie Mae? http://www.zillow.com/advice-thread/Does-every-refinance-go-through-Freddie-Mac-Fannie-Mae/284730/ We tried to <a href="http://www.zillow.com/refinance/">refinance</a>, got approved easily but came to a dead hault because some person i.e. Freddie Mac/Fannie Mae said we had to have flood insurance.&nbsp; We've had our home approved through local government that says we are not in the flood plain.&nbsp; This Freddie Mac/Fannie Mae person is in Minnesota and we're in Colorado.&nbsp; How could he possibly know?<br \><br \>3 replies Fri, 02 Oct 2009 21:29:00 GMT http://www.zillow.com/advice-thread/Does-every-refinance-go-through-Freddie-Mac-Fannie-Mae/284730/ 2009-10-02T21:29:00Z