Jonathan Mosca's Advice

Our bank has options for Freddie Mac HARP loans.  If you would like more information contact me through my profile.Thanks

User,Are you in the final stages of the construction and looking for permanent financing or are you look for someone to be able to do a construction loan and also the end finance?

My group is licensed in VA and would be more than happy to look at your situation, you can contact me through my profile to discuss further.

Because of your discharge date being in March of 2012 you will have to wait a minimum of 2 years to qualify for an FHA loan.  You will want to re establish your credit in that time period which sounds like you already have been doing.Best of luck!

You are better off going VA as you will not have the monthly mortgage insurance that a conventional would carry and the rates on VA loans are typically lower than conventional rates.  On the flip side, you will have a VA Funding Fee of 2.15% of the loan amount financed into the loan if this is your first use.

Looks like you mentioned your LPMI is through MGIC, they are one of the companies we can work with.

User,I would be more than happy to give you a competitive quote for your situation, feel free to contact me through my profile.Thanks

User,We have closed many non owner occupied properties with LPMI and would be happy to provide you with a competitive quote, feel free to contact me through my profile.

When was the BK discharged?

Jeff,Being that you are both on the deed to the property you can refinance into a VA loan using your wife's VA entitlement, you will have no issues doing so.  If you would like more information you can contact me through my profile.Thanks,Jonathan Mosca