Mortgage Grapevine

Loan scenario: CA, $538,000, 635, 95% LTV, Refinance, full, OO

State: CA

Amount: 538,000

Property type: SF

Documentation: full

FICO: 635

LTV: 95%

Occupancy: OO

Loan purpose: Refinance

I got a loan approval to refi FHA from Conventional loan,
LTV 95% from another lender.
Now lender say rate is at 4.0 for a cost of 2 points.
obviously this won't work.
the issue is that the mid score on primary is 635.
can you make an offer on this loan?
Full file ready to submit.
Please help!

by MikeD October 25, 2012 7:44 PM

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by richardloan October 26, 2012 3:02 AM


Give me a call at 949-390-6303 or email me at scott@midwestequity.com... I have some pricing for you but have questions as well. Thank you and I look forward to your response.

Kind Regards,

Scott D. Solinger
NMLS# 901798
by sdsolinger October 26, 2012 2:02 PM

Is there anyway to look at the credit, pay down revolving debt and rescore, bringing the score up over the 660 mark. Conventional loans pricing hits are so expensive.
Or better yet,look at a streamline. Or possibly a 15 yr FHA.. NO upfront , but minimal monthly mip.

by Diva October 28, 2012 4:35 PM

We could do this FHA. let me know if I can help.

Jake Howard
by Jake Howard November 1, 2012 6:37 PM

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by paulbrowninvestment January 7, 2014 4:40 AM


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