@Steven Marks2x closing costsCondition of property may not work for the buyers desired loan product.

White is always a great color OR very popular these days is a natural oak color vanity.

@Tony Salemi - both Liberty Bank and Wintrust are doing 75% LTV on commercial products at this moment.

FROM MONEY It's About to Get Easier for Over a Million Homeowners to Refinance Their MortgagesTwo new mortgage refinance programs launching this summer should make it a little easier for lower-income borrowers to save on their home loan payments.Starting on June 5, Fannie Mae will offer a product called Refi Now.

LVT flooring throughout, a modern kitchen with backsplash and quartz counters, double pane vinyl windows, custom baths with tile, lots of natural light, sliding doors off master to rooftop deck ready to be personalized, and a spacious backyard.

Local relationships are good, but conventional lenders have the same line of products...the creative lenders will have a very different portfolio of products...the product you need may not be offered by local lenders in your area.Lenders have zero influence on the deal itself outside of what an independent appraiser/inspector relays to them...local knowledge of markets is not in play at all.

StephenHI Stephen,Most conventional lenders will allow 1 30 day late within 12 months but not 60 day late and if you have multiple 30's you generally have to wait 12+ months to re-apply.There are other loan products that are called non QM or non qualified mortgages that might entertain your scenario.

Granted, that's the nature of my occupation as a handyman, but still, it would take a LOT to get me away from her if I were still teaching, for instance.So if on top of that he's burning his income on a nice place for hisself instead of something small and tight and cheap so more money goes home to his wife and/or children, that would be a red flag for me.

Law or nature - either your are growing or you are dying.

If you're paying the bills, the bank is making money.Now, you likely won't be able to get any type of primary loan product if seeking to buy a larger house meaning you'll need a minimum of 20% down at closing, and your interest rate might be higher, but those shouldn't stop you from moving forward, I wouldn't imagine.