REFINANCE LOAN AT HOME?
I m interested in refinancing my home . I am a single mother so just one income, I am a hairstylist and also self employed. I just pay rent and run a one man salon. I purchased my first home in July in Texas. I had a hard time getting the loan because well first of all I dealt with a broker who completely messed up my loan. I went into the process with the idea that if icouldn't purchase a home under the conditions I wanted then it wasn't the right time for me. Well day of closing, he needed five thousand more down and i also had the pmi i didn't want. Anyways, he said that at the last minute he had to go with stated income loan because the lender doesn't go by what you claim on income tax. it goes by what you claim after deductions. Well, i would like to refinance to get a lower rate and get rid of pmi. My appraisal was 142,000.00 and I financed $119,000.00 and have since made several improvments. I am just wondering if i can even get refinanced or is it going to be this hard again?
Send an email to info@freeloanauditprocessing.com Their licensed attorneys can audit your lenders for free to find out if your loan has infractions or errors. Most loans have some type of error or infractions and if they indeed find one or some, they can force your lender to discount and restructure.
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The original program required home owners wanting to refinance to owe no more than 125 percent of what their homes were worth – a guideline that people who took out risky loans found hard to meet, especially in markets where values continued to fall.U.S. seeks to make refinancing easierRochester Democrat and Chronicle3 Reasons Why You Might Not Get Freddie Mac's 3.79% Mortgage RateThe Mortgage Reports
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