Mortgage broker in IL…

Looking for someone who can do FHA (preferably) or conventional in IL – naperville area – who can work with credit score of 610 for me and 650 for spouse. Had foreclosure in 2011. Looking for 325K house with 5% downpayment. DTI of 41% 

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Put my mortgage in moms name after a divorce.

Hi I divorced in 1996 and refinanced my home into my name a couple of years later. I went with a horrible lender and not knowing much about mortgages i went into a balloon and years later my mortage went from 1157 to over 1800. My mom had been living with me to help take care of my children so we put the mortgage in her name to get a better interest rate, i know horrible decision. 
Today 8 years later I need to put the mortgage back in my name. Is there anyway to do this? 

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Interest-only Mortgage Still Available?

What banks still offer interest-only mortgages?  And what are the terms, 20% down, 30%, rates, etc.?  I know that as of January 2014 interest-only loans are not qualified and so a lot of banks dropped these types of loans.  I’m looking to live in a place short term and want my payments as low as possible.  Looking at a purchase price of $470,000 and putting 20% down.  Thanks for any help.

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How to find bankruptcy friendly mortgage lender?

My Chapter 13 bankruptcy has just been discharged. I have a high income (W2 verifiable). Looking to buy a $350K property and  I have ~ 20% to put down. 

Does anyone have any idea where to shop for a bankruptcy lender?

Thanks 

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Mortgage Company Recommendations

I’m sure if it’s allowed in this forum to give recommendations to people who are looking for a mortgage company to refinance with. I find companies on Zillow with high reviews, but when I look at the details of the reviews I see many submitters whose date of registering with Zillow is the same as the date of the review recommendation. I have a bank I was highly considering, but now I’m concerned.

I have received GREAT feedback from the experts on this site, and I’m assuming you know who’s, who in the business.  

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I need a mortgage person that will work with me

I found a house I want however, the two mortgage lenders I have contacted previously have denied me. I do have challenges with my credit score and past history. I need somebody that deals with loans with customers past credit problems. Please don’t contact me if you can’t help me with this. Thank you. Credit Score 610-622 depending on which credit bureau you use.

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Mortgage rate lock

We have recently locked our interest rate and after a week now the rate is really low. Can we contact our loan originator and ask him to revise our rate ? or we are bound by a original higher fixed rate

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Self Employed looking for help on first mortgage.

I am about to file my taxes this year and when i do i will be self employed and meet the 2 year requirement doing so. I am looking for help regarding how much to write off on my taxes. I know the less i write off the better it looks for a mortgage but then i will be paying quite a bit in taxes. My wife is right on the edge credit wise (600-620) so i dont know if she will be able to be put on the loan. She is not self employed and makes more than me. Any suggestions would help

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How do i refinance when i am not on the mortgage but will be keeping my house?

Getting divorced..refinanced years ago, mortgage in my husband’s name only, deed in trust in both our names. How do i refinance or assume the mortgage when i’m not on it? I need the refi to pay out his equity

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how long must we pay for FHA MIP Insurance- 14 years been here-interest mortgage rate @6.25%

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