As a part time / contract insurance adjuster, I'm a consultant when there is damage to a building.

If your purchase plus rehab, or borrowing LTV is different, adjust accordingly.On the time question, I've now done two of these.

The loan is a 7/1 ARM at 5.125% which I got in 2004, so it will adjust in 2011.

The loan is a 7/1 ARM at 5.125% which I got in 2004, so it will adjust in 2011.

However, I think it begins phasing out around $100k of modified adjusted gross income (MAGI).

The lenders look at the adjustable gross income (AGI) which what you are bringing home and compare that to your liabilities.

They have been trying to get a cash out refi so they can get most the home equity line back. reason is the intrest is low, but can adjust up tp 9% and we know intrest rates will rise soon so they want to lock in on a 30yr so better cashflow. bank says the HOA is refusing to fill out the questions because its a liability. all they have to give is the financials, and answer 2 sheets of questions. this happened to the lady above me too and she couldnt cash out refi either. that is stupid. if they dont let people get loans how could they ever expect to fill the complex up with people who will pay the hoa fee?

Insurance adjusters do them all the time also after a fire.

I was busy fielding calls and analyzing properties.If you look closely, I made a slight adjustment to my status.

An appraiser will make an adjustment for the size, but it will be smaller.