Zillow Advice RSS: Question-Discussion-Guide,FHA and VA Loans,RI http://www.zillow.com/advice/RI/mortgage-fha-and-va-loans/question-discussion-guide/mortgage/?s=0 Zillow Advice search results | Zillow Real Estate Option to refinance an FHA loan issued with a non resident co borrower http://www.zillow.com/advice-thread/Option-to-refinance-an-FHA-loan-issued-with-a-non-resident-co-borrower/486968/ FHA allows you to make the majority of the income as a non occupying coborrwer but Fannie Mae does not. She will have to qualify on her own. Freddi Mac usually has the same guidelines. You can be on the loan as a non occupying borrower but your income wont be considered for qualifying. Only as a compensating factor. I would talk to a mortgage&nbsp;broker and see if he can find you an investor in RI to do the loan.<br \><br \>0 replies Wed, 10 Apr 2013 03:24:00 GMT http://www.zillow.com/advice-thread/Option-to-refinance-an-FHA-loan-issued-with-a-non-resident-co-borrower/486968/ 2013-04-10T03:24:00Z I am interested in an FHA backed loan who is the best I have a 720 middle score as of last week http://www.zillow.com/advice-thread/I-am-interested-in-an-FHA-backed-loan-who-is-the-best-I-have-a-720-middle-score-as-of-last-week/192505/ If all you are interested in is lowest fees, no need to ask the question. Simply apply online and hope that whoever quotes you the lowest fees actually delivers on their promise. If you need guidance and value the professional insight that a tenured <a href="http://www.zillow.com/mortgage/">mortgage</a> professional can provide, become educated about the best qualified mortgage professional in your area.<br/><br/>Please remember that one's credit score is not the only item that will determine your rate or fees. Seek out a Certified Mortgage Planning Specialist (CMPS) to give you the facts so that you can make the best decision.<br/><br \><br \>0 replies Sat, 07 Feb 2009 18:28:00 GMT http://www.zillow.com/advice-thread/I-am-interested-in-an-FHA-backed-loan-who-is-the-best-I-have-a-720-middle-score-as-of-last-week/192505/ 2009-02-07T18:28:00Z What if I get gift money after pre-approval? http://www.zillow.com/advice-thread/What-if-I-get-gift-money-after-pre-approval/373100/ This is not a problem. We understand mortgage application data is fluid. FHA has great gift guidelines. Discuss with your lender and ask them for a document checklist once you fully disclose the money trail, who is gifting etc. They will furnish a gift letter and a document checklist.&nbsp;<br/><br/>Clearly not a problem. Also the other post answered your question very well. I believe you have your answer.<br \><br \>0 replies Tue, 02 Nov 2010 14:53:00 GMT http://www.zillow.com/advice-thread/What-if-I-get-gift-money-after-pre-approval/373100/ 2010-11-02T14:53:00Z Does anyone know of a lender in Rhode Island that will do an IRRRL without an appraisal? http://www.zillow.com/advice-thread/Does-anyone-know-of-a-lender-in-Rhode-Island-that-will-do-an-IRRRL-without-an-appraisal/480702/ Mortgage Master but it will have need to place with same investor.<br/><br/>For example, current servicer is Wells Fargo.&nbsp; Loan would have to be locked with Wells Fargo again.<br/><br/>Please let me know if you would like a recommendation.&nbsp; I used to work there and know many of the RI loan officers.<br \><br \>0 replies Tue, 23 Apr 2013 17:45:00 GMT http://www.zillow.com/advice-thread/Does-anyone-know-of-a-lender-in-Rhode-Island-that-will-do-an-IRRRL-without-an-appraisal/480702/ 2013-04-23T17:45:00Z See below http://www.zillow.com/advice-thread/See-below/444292/ I am self employed and do a strictly cash business so it is very hard to prove income. In the past I have had a few stated income mortgages. With all the changes in the banking regulations because of the housing market going bad only 4 states in the country still allow them. The state where I live is not one of them. Would I qualify for a FHA mortgage if I can't prove my true income? I have excellent credit and a large down payment.<br \><br \>6 replies Fri, 25 May 2012 16:03:00 GMT http://www.zillow.com/advice-thread/See-below/444292/ 2012-05-25T16:03:00Z