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• Forum: News
   Danny Vesokie | Affiliated Financial Partners

  50 Creepiest Things Caught on Live TV

  Danny Vesokie | Affiliated Financial Partners Posted on August 18, 2024 at 1:23 am   |  State: California  | Total Activities:  49

  Here’s a video about the 50 Creepiest Things Caught on Live Television.

  https://youtu.be/dOMt-AtdAKM?si=8_iakmOSUwVYSelE

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Bruno

  Mortgage Rates on Non-QM Loans

  Bruno Posted on August 17, 2024 at 4:31 pm   |  State: Illinois  | Total Activities:  11

  What rates should I expect and how long will it take to close and what do I need to show for getting approved for Non-QM loan for a house (Sale Price $680 K)

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Conventional Loans
   Connie

  Front-End and Back-End DTI on Conventional Loans

  Connie Posted on August 17, 2024 at 12:48 am   |  State: WI  | Total Activities:  13

  What is the maximum front-end and back end debt-to-income ratios on conventional loans?

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Case Scenarios
   Connie

  CREDIT SCORE CHANGES DURING MORTGAGE PROCESS

  Connie Posted on August 17, 2024 at 12:45 am   |  State: WI  | Total Activities:  13

  WHAT IF YOUR CREDIT REPORT CHANGES DURING THE MORTGAGE APPROVAL PROCESS? WHAT HAPPENS IF YOUR CREDIT SCORES GOES DOWN OR UP DURING THE MORTGAGE PROCESS? AM I STILL QUALIFIED FOR A MORTGAGE IF MY CREDIT GOES DOWN DURING THE MORTGAGE PROCESS?

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Randy

  HOW DOES A HOUSE QUALIFY FOR AN FHA

  Randy Posted on August 16, 2024 at 2:02 pm   |  State: Indiana  | Total Activities:  11

  what are the qualifications for a house to be approve for a FHA loan?

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Employment
   Randy

  Cannot Afford To Pay Mortgage Due to Job Loss

  Randy Posted on August 16, 2024 at 1:59 pm   |  State: Indiana  | Total Activities:  11

  What if I just lost my job and cannot afford my mortgage payments?

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Law, Litigation, Legal Matters
   Randy

  STATUTE LIMITATIONS ON DEBT IN CALIFORNIA

  Randy Posted on August 15, 2024 at 9:51 pm   |  State: Indiana  | Total Activities:  11

  What is the statute of limitations on debt in California? What is the statute of limitations on credit card debt in California?

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  View Last Reply: Rugger replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Bailey

  Quality Control Review in the Mortgage Process

  Bailey Posted on August 16, 2024 at 2:57 pm   |  State: Illinois  | Total Activities:  14

  WHAT IS QC AND WHY IS QC MORTGAGE UNDERWRITING AFTER A CLEAR TO CLOSE?

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  View Last Reply: Gunner replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Refinance
   Connie

  FACTORS DETERMINING REFINANCE MORTGAGE RATES

  Connie Posted on August 17, 2024 at 12:25 am   |  State: WI  | Total Activities:  13

  What factors determine a REFINANCE mortgage rate other than an individual’s credit score?

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  View Last Reply: Gunner replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: HUD Manual Underwriting Guidelines
   Connie

  WHAT ARE COMPENSATING FACTORS IN MORTGAGES

  Connie Posted on August 17, 2024 at 12:27 am   |  State: WI  | Total Activities:  13

  What are compensating factors and the importance of compensating factors in mortage lending?

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  View Last Reply: Bruce replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Connie

  Debt-To-Income Ratio Guidelines on FHA and Conventional Loans

  Connie Posted on August 17, 2024 at 12:35 am   |  State: WI  | Total Activities:  13

  What is the debt income ratio requirement for FHA loan and conventional loan?

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  View Last Reply: Bruce replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Connie

  WHAT DEFINES A MORTGAGE LOAN APPLICATION

  Connie Posted on August 17, 2024 at 12:30 am   |  State: WI  | Total Activities:  13

  What constitutes a mortgage loan application? How does the mortgage loan application work? What is an “application” that triggers an obligation to provide a Loan Estimate? What is the loan estimate? What are the rules and regulations on the loan estimate and how does the process work?

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  View Last Reply: Bruce replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Randy

  ALTERNATIVE FINANCING

  Randy Posted on August 15, 2024 at 9:48 pm   |  State: Indiana  | Total Activities:  11

  Where/who can I turn to for flexible/lenient mortgage financing?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Refinance
   Connie

  Refinancing Out of a Land Contract

  Connie Posted on August 17, 2024 at 12:37 am   |  State: WI  | Total Activities:  13

  What do we need when refinancing our home that is currently on a land contract?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: HUD Manual Underwriting Guidelines
   Connie

  Trustee Approval During Chapter 13 Bankruptcy

  Connie Posted on August 17, 2024 at 12:40 am   |  State: WI  | Total Activities:  13

  How do you get a bankruptcy trustee approval to get approved for a mortgage during the Chapter 13 Bankruptcy. What is involved in getting a court trustee’s written approval letter for Chapter 13?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Credit Forum
   Connie

  Credit Supplement

  Connie Posted on August 17, 2024 at 12:42 am   |  State: WI  | Total Activities:  13

  What is credit supplement for? When does a mortgage client need to do a credit supplement during the mortgage loan process?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Appraisal
   Tina

  Height of Outside Railing From Deck

  Tina Posted on August 15, 2024 at 9:13 pm   |  State: Connecticut  | Total Activities:  9

  What is height at which a outside deck needs a railing?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Randy

  HUD Minimum Credit Score Guidelines

  Randy Posted on August 15, 2024 at 9:45 pm   |  State: Indiana  | Total Activities:  11

  What Are The Minimum Credit Scores To Qualify For A FHA Loan?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Employment
   Tina

  JOB LOSS AFTER HOME CLOSING

  Tina Posted on August 15, 2024 at 9:20 pm   |  State: Connecticut  | Total Activities:  9

  WHAT IF I LOST MY JOB AFTER I JUST BOUGHT A HOME?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Residential Mortgage Loans
   Tina

  Mortgage Application To Clear To Close Timeline

  Tina Posted on August 15, 2024 at 9:17 pm   |  State: Connecticut  | Total Activities:  9

  What is the timeline from pre-approval to clear to close?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Conventional Loans
   Tina

  Conventional loan Credit Score Guidelines

  Tina Posted on August 15, 2024 at 9:22 pm   |  State: Connecticut  | Total Activities:  9

  What is the credit score that I need for Conventional loan?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Tina

  Minimum Loan Amount For NON-QM Loans

  Tina Posted on August 15, 2024 at 9:24 pm   |  State: Connecticut  | Total Activities:  9

  What Is Minimum Mortgage Loan Size For NON-QM Loans?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Bankers, Lenders and Mortgage Brokers
   Bailey

  APPROVE ELIGIBLE PER DU FINDINGS

  Bailey Posted on August 15, 2024 at 9:31 pm   |  State: Illinois  | Total Activities:  14

  WHAT DOES APPROVE ELIGIBLE PER DU FINDINGS MEANS?

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: FHA Loans
   Bentley

  What does FHA Score Card Mean

  Bentley Posted on August 15, 2024 at 9:32 pm  | Total Activities:  32

  What does FHA Score Card Mean? Is that HUD GUIDELINES?

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  View Last Reply: Gustan Cho replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Mortgage After Bankruptcy And Foreclosure
   Bailey

  Mortgage After Chapter 11 Bankruptcy

  Bailey Posted on August 15, 2024 at 9:35 pm   |  State: Illinois  | Total Activities:  14

  What are the guidelines to get approved for a mortgage during and after Chapter 11 Bankruptcy? What are the waiting periods after a chapter 11 bankruptcy?

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  View Last Reply: Gustan Cho replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Case Scenarios
   Randy

  Changes in Credit Scores During Mortgage Process

  Randy Posted on August 15, 2024 at 9:38 pm   |  State: Indiana  | Total Activities:  11

  What If My Credit Scores Dropped During Mortgage Process?

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  View Last Reply: Gustan Cho replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Non-QM Loans
   Randy

  Non-Qualified Mortgages Versus Qualified Mortgages

  Randy Posted on August 15, 2024 at 9:41 pm   |  State: Indiana  | Total Activities:  11

  What Are Non-Qualified Mortgages Versus Qualified Mortgages?

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  View Last Reply: Gustan Cho replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: Hard Money Loans
   Randy

  WHAT ARE MONEY LOANS AND PRIVATE MONEY LOANS?

  Randy Posted on August 15, 2024 at 9:44 pm   |  State: Indiana  | Total Activities:  11

  WHAT ARE HARD MONEY LOANS AND PRIVATE MONEY LOANS?

  • This discussion was modified 1 year, 9 months ago by  Gustan Cho.

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  View Last Reply: George replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: P&L Statement Loans
   Maria Munoz

  What is a profit and loss statement

  Maria Munoz Posted on August 10, 2024 at 11:49 pm   |  State: Illinois  | Total Activities:  13

  #hat is profit and loss statement. What is the difference between an income statement and profit and loss statement.

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  View Last Reply: Dawn replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply
• Forum: USDA Loans
   Maria Munoz

  WHAT IS THE MAXIMUM HOUSEHOLD INCOME TO BE ELIGIBLE FOR USDA LOANS

  Maria Munoz Posted on August 10, 2024 at 11:53 pm   |  State: Illinois  | Total Activities:  13

  What is the maximum household income limit cap to be eligible for USDA loans. What is the maximum debt to income ratio to qualify for USDA loans.

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  View Last Reply: Dawn replied 1 year, 9 months ago  |  Participants:   2 Members |   1 Reply