I have correct credit - 750
I don't need brass out - only to lower my markedly high rate.
I'm self employed but the mound I called still required to see my tax returns which would not work for me - due to write-offs my debt ratio would artificially look large and disqualify me (this is at WAMU). Any other suggestions where to be in motion?
Answers: There are a lot of companies out in attendance that will help you. In my belief, your best bet is to go through one of the online companies that enjoy multiple lenders compete for your refi, so therefore they will apprehend why your debt ratio may look high and will afford you very competitive rates base on your situation. They also will give you no prerequisite quotes without pulling your credit, so you can settled who you want to go near. Here is a good company to use: http://www.endthisdebt.com/refinance.cfm
Just put surrounded by your state and you will have lenders contact you from your state.
Good luck!
Stated income loans for home equity lines don't really exist any more even for populace with great credit resembling you, i think that almost anywhere you budge will require tax returns. Check near a mortgage broker though to make sure they own more options and can check near numerous lenders to try and find some sort of stated loan for you. You possibly could refi completely and have the 1st and 2nd mortgage combined into one loan however if your loan to expediency ratio is over 80% you'd have to wages PMI.
I don't need brass out - only to lower my markedly high rate.
I'm self employed but the mound I called still required to see my tax returns which would not work for me - due to write-offs my debt ratio would artificially look large and disqualify me (this is at WAMU). Any other suggestions where to be in motion?
Answers: There are a lot of companies out in attendance that will help you. In my belief, your best bet is to go through one of the online companies that enjoy multiple lenders compete for your refi, so therefore they will apprehend why your debt ratio may look high and will afford you very competitive rates base on your situation. They also will give you no prerequisite quotes without pulling your credit, so you can settled who you want to go near. Here is a good company to use: http://www.endthisdebt.com/refinance.cfm
Just put surrounded by your state and you will have lenders contact you from your state.
Good luck!
Stated income loans for home equity lines don't really exist any more even for populace with great credit resembling you, i think that almost anywhere you budge will require tax returns. Check near a mortgage broker though to make sure they own more options and can check near numerous lenders to try and find some sort of stated loan for you. You possibly could refi completely and have the 1st and 2nd mortgage combined into one loan however if your loan to expediency ratio is over 80% you'd have to wages PMI.