We are both under 30 years old and both have 800 credit scores, yet we are nervous about going to the bank to start the process of getting a mortgage to build a house. Should we be. Would our land or 401k bankruptcy personal guarantee business loan accounts payday advance fontana ca our lower cash in accounts.
You may want to determine what types of loans you can qualify for and see if reserves are going to be an issue for sure, then compare costs…FHA forces mortgage insurance on its borrowers, whereas you might not need it with conventional financing. Colin, given that the reserves are in question, is FHA a better way to go. I know there are upfront costs plus MI. If you have other financed properties, you will likely need to have X months of reserves for each or they may require a percentage payday advance fontana ca of the aggregate unpaid principal balance of those properties.
Colin, when doing a cash out refinance, do you need to have enough PTI for all existing properties or just for the one you are refinancing. I am interested in purchasing a single family home as an investment property. I currently do not have the 20 for the down payment buy I have excellent credit and I am interested in using a personal loan for the down payment.
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