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Asked 03/09/2006 09:37 am CT (Davie, FL, FL)

We recently bought an investment property in AZ and took out a first and second mortgage for 100% financing. Our partner wants to refi to lower the payment by $200, but it would still require a first and second because the property hasn't appreciated enough to only require a first mortgage. Would it be better to wait a few months? Does How does the frequency of loan applications / refinancing affect your overall credit rating?

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You should wait until you have enough equity to get one loan. Unless you get extremely low interest ...

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Asked 03/07/2006 06:14 am CT (laredo, TX)

i am a first time buyer. my question is if i was interested in a home i saw at first but now i want another one that is bigger and better that have seen but they already started the paper work on the first one i asked if it can be put on hold they told me no that i would get fine why would i get fined if i have not signed anything and is it not my choice of which home i want.

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Laura- I think you are being misled a bit or at the least not fully disclosed too. If you have not ...

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Asked 03/05/2006 12:05 pm CT (south bend, IN)

i have been approved for 95% and i am buying directly from the owner the home is 104000$ do i give the owner my down payment before closing and get the loan for 98000$or does the loan company need that money first?

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Hi Mike, I am bit sad to see your question here. I hope you feel comfortable enough with your loan o...

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Asked 02/22/2006 01:36 pm CT (Goose Creek, SC)

My credit is horrible. Is there a lender that will work as a credit counselor...will allow me to submit my paychecks directly to them as they pay my bills while setting me up with a first-time buyer mortgage? i can't get anyone on God's green earth to give me a mortgage especially with 1,000 or less down. My credit score is under 550. Thank you.

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I have been helping people with less than perfect credit for over nine years. I can work with a mid...

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Asked 02/21/2006 10:14 am CT (ottawa, Ontario)

Hello i am just starting to think about buying a home. I am a first time home buyer and I would be buying it on a single income. I am hoping to buy a home for less than $175K. I currently have approx $30K saved up for a downpayment if I was to buy now. My other option is to coninue to rent for another year ($9000 annually) and save probably another $20K towards the downpayment. Which is a better option?

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Jen, I am not sure if your question is about timing the real estate market or avoiding the CMHC fee...

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