About Mortgage Companies

I own my mobile home outright but the land is owned by our co-op, of which I am a member/owner. I need a loan to pay off taxes. My Fico is 650 and my husband’s is closer to 700. Where can I go to try and get a loan ?

I have been paying $200 extra to help pay down the principal. The monthly statement lists the $200 as principal curtailment but in the detail I see that only $198.14 was applied to the principal and the balance of $1.86 was applied to the interest. Is this a common practice? Is it legal?

For a winter seasonal worker does the requirement for 2 years of income mean two seasons? The 2/3 remainder of the year does not generate income so, by definition of seasonal work does two season of work satisfy the two year requirement?

My 2006 Mobile Home, a 3 BR, 2 bath, den/dining room combination with a Rock Fireplace (Propane Gas), living room, Kitchen and Laundry Room needs approximately $10,000.00 in repairs. The home sits on 3/4 acre of land and there isn't a mortgage on it or the land. The tax value is $75,000.00. Could I use it as collateral to obtain that loan?

If you have an interspousal transfer deed and change mortgage lenders Will you need to get a new interspousal transfer deed signed for that new lender or does the old one still apply

I would like to know if my mother pays off her home (she is and elderly lady), come she sign it over to me (she has 8 other children). What rights do I have and is this possible for her to do once the house is paid?

I just finished my refi with loan Depot. I have no real complaints about the company, its brokers, or loan officers. I will admit, at first and throughout the process, I thought I was being scheistered. It seemed too good to be true at first, but, I'm a very untrusting person. did get a points discount and my home appraised for more than I thought it would. They would call me a couple times a week and let me know where we were in the process. Everything was emailed a sent overnight to me. We used a local closing company and notary. I got the interest rate and number of years I wanted, considering my credit score was just ok. All in all, I'm happy with the experience. They just paid my Wells Fargo loan off in the last couple of days. Hopefully, this helps. Good luck.

Was told by a nice young man at LD they could help us, and am getting a lot of pressure, we can afford another mistake with a mortgage company, who can we trust?

I had a terrible experience with Quicken Loans. The same terrible tactics that others have shared. Took forever with having to send documents/information. The loan processing took so long that I was concerned about the lock rate. I was told it would be extended but it was changed at the last minute at closing. They have terrible tactics--I would not ever recommend them.