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  1. delta97

    Chase Sold my Mortgage

    Unfortunately, your new mortgage servicer has a right to request updated information.
  2. delta97

    New Look

    Preferred the old one -
  3. delta97

    Fannie Mae Updates Mortgage Guidelines To Make It Easier To Qualify

    Thank you so much for looking into my situation Erik, it is doable but only next year with this calculation unless I pay off my cc debt .
  4. delta97

    Fannie Mae Updates Mortgage Guidelines To Make It Easier To Qualify

    Does it mean that I would be able to refinance $232000 loan on my own (without co-signer) with 40K annual income if Current monthly debt is 426 (cc plus personal loan)? And if yes, what programs be available to me with FICO 689? Estimate value of condo is $367k, HOA is $222 monthly. Real estate...
  5. delta97

    Fannie Mae Modification Question

    If you want modification to become a permanent one - do not submit your original payment but go ahead with a trial one. Paying the Original payment would lead to a denial.
  6. delta97

    Home Ready Refinance Loan

    Thank you Erik for checking.
  7. delta97

    Home Ready Refinance Loan

    Thank you Erik for corresponding with me in timely manner! Would it be for 20 year or 15 year loan?
  8. delta97

    Home Ready Refinance Loan

    Erik, I am interested in 20 year or 15 year fixed only. But looking for 3.0 rate
  9. delta97

    Home Ready Refinance Loan

    Actually, he is an occupant and he must sign form that he will be residing in my property for at least 12 month. Thanks for your help anyways. To be brutally honest, I need a rate that is less than 3.5. I
  10. delta97

    Home Ready Refinance Loan

    Other banks I spoke with do not use credit score of partner - since his name NEVER be on a loan. That is why HomeReady program there in the first place.! It almost counts as boarder's income. Why would you say that his credit score will be considered? Defeats the purpose.
  11. delta97

    Home Ready Refinance Loan

    Thank you for a reply. I most definitely looking into it. My discharge took over six years ago with no late payments ever since. My LTV is about @ 67%. Income is low to qualify to refinance on my own, but wonder if it is doable via income of my partner through HomeReady program (as long his...
  12. delta97

    Why Didn’t Interest Rates Go Up With The Fed Increase?

    Homes prices will collapse in near future, no reason to lock into any rates at this point when the value of any real estate property be plummeted by 50%. Everything is over priced. We haven't seen the worst yet!
  13. delta97

    Home Ready Refinance Loan

    I wonder if anyone had any experience in obtaining a refinance via HomeReady loan? And especially, if it is doable for those who went through Ch7 six years ago and never reaffirmed the loan. Any guidance will be beneficial. FICO presently is 679.
  14. delta97

    Ditech Customers Pls Read

    Citi Group also sold all its loans to the same company. Happens all the time.
  15. delta97

    New 5,000 Principle Reduction For On Time Payments After 6th Year

    It would state on your paperwork when you received your modification.
  16. delta97

    New 5,000 Principle Reduction For On Time Payments After 6th Year

    Were you able to get your $5000?
  17. delta97

    New 5,000 Principle Reduction For On Time Payments After 6th Year

    Were you able to get your $5000?
  18. delta97

    Hamp Incentive Payments And Pmi Cancellation

    My sixth year incentive was applied right on the date it supposed to be applied - not a day later, in full: $5,000. Were you able to get yours credited towards your balance? And if yes, did you take an opportunity in amortization of your loan at the time that is offered for free per guidelines?