credit score too low, call around to your local banks and see if they are still doing FHA loans below a 620.
is it indestructible?
Guidelines, Regulations, and even the market changes often. Pulling up old threads does little good. If you have a question, post it, especailly if everything similar was more than a few months old with so many changes happening.
You can do whatever you want. Will they use it for a prequalification is a diferent question.
Ann and Tony you both need to read the rules "NO SPAM"It's not hard to figure out how to see their request. Copy and paste their request number under the mortgage tab, you don't need to be a confirmed lender.They are trying to get a HELOC which most lenders don't offer on Zillow especially with such a low credit score and high LTV.
fund now, time is running out. Only a short time to pay for GFE's, Phone Calls, and shoppers. Prices are not set but you can't pass up the deal.
Contact your current servicer.
People always seem to be suprised that ARM loans have risks, prices could drop (as they did), people could lose their jobs, credit scores can change, guidelines can change, so taking a lower ARM rate is a risk.
Do you really only owe $1000 on your first mortgage? Try going to a local bank for a HELOC