Profile picture for Heidi Small

Heidi Small

Lender

Senior Retail Loan Officer (16 years experience)

Specialties:
Purchase Loan,
Refinancing,
Home Equity,
Mortgage Planning

Advice

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

Contributions are sorted newest to oldest.

waiting period after short sale due to divorce

Answer

Most loan programs require a 3 year waiting period.  Your specific situation may allow something different.  It is always a good idea to develop a relationship with a knowledgeable mortgage lender to assist you with your goals and throughout the waiting period.  It is crazy how one small thing can impact your entire situation.  I'd be happy to help you through this! [Promotion and email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]

  (0)
Who can I talk to in Main about getting an FHA loan?

Answer

I would be happy to help you rebuild your credit.  I am well versed in credit counseling and [Promotion and email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]

  (0)
Conventional Down payment for Owner Occupied 2 Family Home?

Answer

I can do FHA financing on a multi-unit, up to 4, with 3.5% down or conventional financing with 10% down.  [Promotion and email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]

  (0)
Mortgage for home with small retail space?

Answer

If this is going to be an owner occupied home you should have no trouble. [Promotion and email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]

  (0)
getting mortgage poor credit score

Answer

It can be very simple to increase your score if you know what to do.  [Promotion and email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]

  (0)
Why are my rentals increasing my debt to income ratio? I need to buy a primary home

Answer

Not everyone is capable of reading tax returns, unfortunately.  Tax returns with multiple rental properties, depreciation, etc. can easily be misread.  I would be happy to take a look for you today. [Email removed by Zillow moderator. Please see our Good Neighbor Policy for guidelines.]Have a great day!

  (0)