Profile picture for Brian Palombo

Brian Palombo

Lender

Senior Loan Officer, series 6,63,7 Health Life and Accident Insurance (13 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
FHA,VA,CONV,FANNIE,FREDDIE

Advice

  • (13 Contributions,
  • 0 Best Answers,
  • 0 Helpful)

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Employment History in Mortgage Approval

Answer

Simple ways around it. Think outside of the box. I wish I was a call center clerk! However Wayne you are correct- with certain investors- Other have overlays which can still make this a possible. 

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What kind of expence should a person expect to pay to do a 197k refi 3-6% of the note? I have a 80

Answer

Correct and I was not "quoting" Joe .... I was simply replying to your answers. And yes I opened my Zillow profile in Oct of 2012- And have reviews from many states across the country... And your reviews? As for the "past" PMI that is what is actually what I was talking about.Unlike yourself... I am salaried I do not have to up sell rates to earn a "YSP" that is why I can deliver the rates I quote. Again "GO HUSKERS" - Very professional screen name I might add- Also I was answering your questions/comments... my mistake when I added Joe into the convo. Since he clearly has experience. And yes a rate below 3.5% no issues with a FICO over 800. Again read my "fake" or false reviews from people I hired across the country - also including one of my clients who one the Ipad contest from zillow. Again I look at your profile I notice many /questions/answers on blogs but not 1 feedback from a client ? Why is that? 

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What kind of expence should a person expect to pay to do a 197k refi 3-6% of the note? I have a 80

Answer

Well.... look at my profile and experience and then look at Jo's and you can make a decision. I never under quote- I just do mulit millions in volume per month and receive many rate/cost discounts- However yes Jo I understand where you are coming from but sorry you need to work for a real lender- no offense. Also Jo i did say APR of 3.5 yes that is correct but since you can do simple math you will know the rate is well below 3.5%. If you need any help with calculations please fell free to give me a ring anytime. 

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