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    Non Qualified Mortgage Rates, Guidelines, Lenders and Information

    Can I Refinance If I’m Behind on my Mortgage Payments?

    January 4, 2022 By JMcHood

    Late payments often disqualify you for any loan program, including a refinance. Your mortgage history plays a major role in determining your credit worthiness. In fact, some lenders hold it higher than your credit score itself. That being said, some lenders look at the whole picture. This may allow you to secure a refinance even […]

    What Kind of Debt Can Impact a Home Loan Eligibility?

    September 16, 2020 By JMcHood

    Deciding you want to apply for a mortgage is a big step. You have to make sure your finances are in order and that a lender will look upon your loan application favorably. Many people focus on the credit score, figuring that is the factor that will make or break their deal. However, oftentimes it […]

    How do You Refinance a Seller-Financed Mortgage?

    February 10, 2020 By JMcHood

    Did you get a seller-financed mortgage when you bought your home? Maybe you weren’t eligible for standard bank financing or you didn’t have a large enough down payment to make bank financing possible. Whatever the case may be, there will come a time that you will want to or maybe even have to refinance. Looking […]

    Do Bank Statement Cash-Out Refinance Programs Exist?

    October 28, 2019 By JMcHood

    Self-employed borrowers face a serious issue. Lenders need solid proof of income. But for many self-employed borrowers, their tax returns show very little income, or even a loss. How will you ever qualify for a mortgage, let alone a cash-out refinance if you don’t show income? Get Matched with a Lender, Click Here. Fortunately, many […]

    The Required Amount of Equity to Refinance a Rental Property

    May 20, 2019 By JMcHood

    Many homeowners find it helpful to refinance either to lower their interest rate or even to take cash out of their home’s equity. When you want to refinance a rental property, though, you have a few different requirements. Mortgages on rental properties have higher rates of default than those on owner-occupied properties which makes lenders […]

    Can you Borrow More Than Your House is Worth?

    February 26, 2019 By JMcHood

    Couple

    You know that the amount you can borrow on a mortgage is dependent on the home’s value. But is there ever a time that you can borrow more than the home’s value? Looking for Current Mortgage Interest Rates? Click Here. It sounds crazy, but there are two situations when you can borrow more than a […]

    Understanding Mortgage Seasoning Requirements for a Refinance

    February 12, 2019 By JMcHood

    Dog

    Did you know that before you can refinance, you need to have your mortgage for a certain amount of time? It’s called seasoning and many loan programs/lenders require it in order to make sure you are a good risk. Compare Offers from Several Mortgage Lenders. The main reason lenders require seasoning is to prevent borrowers […]

    HELOC on a Non-Owner Occupied Property

    August 21, 2018 By JMcHood

    Family holding a paper house

    Chances are you can’t secure financing on a non-owner occupied property as easily as you can your primary residence. It’s the same across the board. Even if you have perfect credit, lenders have tougher restrictions. Get Matched with a Lender, Click Here. More borrowers default on investment properties. It makes sense. If you were in […]

    All About No Seasoning Cash Out Refinance Loans

    July 10, 2018 By JMcHood

    small model houses

    The typical seasoning or waiting period for cash-out refinance loans is 6 months. This means you must own the property and have made six mortgage payments on the loan before you can tap into the home’s equity. This is the case for Fannie Mae, Freddie Mac, and FHA loans. The one exception to the rule […]

    3 Streamline Refinance Programs With the Government’s Backing

    September 15, 2017 By Justin

    Shaking hands

    Refinance is a viable opportunity to make one’s mortgage more affordable, allowing you to refinance your existing nonqualified mortgage, for instance, to lower its rate and lower its payment. A streamline refinance just ups this standard option minus tons of paperwork plus flexible guidelines. Streamline refinance programs are available to homeowners who have government-backed mortgages […]

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    More Non Qualified Mortgage Info

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    • What Are The Biggest Challenges Facing First-time Home Buyers?

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    IMPORTANT MORTGAGE DISCLOSURES:

    When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

    Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

    When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

    Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

    Copyright © Mortgage.info is not a government agency or a lender. Not affiliated with HUD, FHA, VA, FNMA or GNMA. We work hard to match you with local lenders for the mortgage you inquire about. This is not an offer to lend and we are not affiliated with your current mortgage servicer.

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