Mortgages
Let Mike Warsop with BNC National Bank answer your mortgage questions
Loan Originator for BNC National Bank
In today's market, obtaining a mortgage has become very complex. Our company aims to ensure that obtaining a mortgage is made as simple as possible. Whether purchasing a home, refinancing to a lower rate, consolidating debt or needing a second mortgage, I am committed to helping my clients obtain the financing that best fits their needs.
I also have 19 years of mortgage experience. I can help those with great credit or those with poor credit. I can help you get your loan funded in as little as 10 days. Let me help you get back on track with several debt consolidation and credit rebuilding strategies.
We are licensed in all 50 states for conventional and FHA loans.
Let the mortgage expert answer your questions in our forum.
913-647-7002-office913-339-9735-fax
913-244-9612-cell
7007 College Blvd Ste 330
Overland Park, KS 66211
Email: mwarsop@bncnationalbank.com
Website: www.bncnationalbank.com/overlandpark/mtgexpert
Most Recently Answered Questions
Questions 1 - 15 of 3932 (Page 1 of 197)Submitted by Brian from springfield pa
Q: Hi Mike My question is i make about 30,000 a year from a job ive been at for 3 years. I recently got a second job making an extra 200 per week. I have proof that ive paid rent for the past year at 870 per month and my credit score is 720. Can i get a loan for 155,000 with 3.5% down. My debt is 70 dollars per month.
Answered 04/10/09 12:15:25 by Mike Warsop,
Loan Originator for BNC National
Submitted by Darcy from Denver CO.
Q: Hello Mike, I received a job transfer with my company, I have a house back in CA. that I will need to sell as a short sale because it is getting to stressful to carry all of the burden. If I do a Short sale will I qualify for a FHA loan here in CO. I have never been late on my mortgage, the letter the bank sent me says that on my credit report it will post "paid in full for less than full balance". Can I ask them to reword what they put on my credit. Thanks for the help.
Answered 02/24/09 12:11:26 by Mike Warsop,
Loan Originator for BNC National
Submitted by Odduster Modeste from Richmond,VA
Q: My husband just found out thet his g=credit score was a 537, however we also found that he was a victim of identity theft. We a desperately trying to buy a home and don't understand what the credit score sahould be just to buy a home in the state of Va. Can we purchase with this score?
Answered 02/24/09 12:10:01 by Mike Warsop,
Loan Originator for BNC National
Submitted by sonya from prescott valley, az
Q: we had to do a short sell on our fha loan, because my husband recieved a better job and had to relocate across country. we paid mortgage and rent for as long as we could.this was in nov. of 2007 the beginning of the falling market.he is now making a lot more money. we are so tired of renting this little house. is there any way for us to get a mortgage????
Answered 01/29/09 18:56:01 by Mike Warsop,
Loan Originator for BNC National
Submitted by Mary Rhodes from Franklin, Ky
Q: We bought an old house in Ky and sold our little mh and land in fl. My husband hates ky, and the guy that is buying our little place in fl is 3 almost 4 mo behind in pymts.It was a 'just pay us 60,000 and we'll give you the deed when it's paid off type of deal, with a clause that if he is 3 mo behing we can repossess. No interest, just getting what we had it the place plus he was to pay the yearly taxes on the place'.It is 8 lots. + the old mh and out buildings. I want to give him the 5 empty lots (which he has basically pd for) and just take the 3 lots with the mh ond outbuildings. I really don't want to hurt him. He has come on hard times as so many people have these days. My husband wants to reposess the place in Fl and get out of ky. The ky house is old and rickety, needs bocudles of repairs. The inspector had his eyes shut when he inspected the place. We probably owe 28k on it. how do we leave it and move back to fl? do we file a quitclaim deed? Just mail the keys to the lender or what? We are 64 and not in good health. I have fair to middlin credit and don't want to get it worse. We both have fairly good cars, his is pd off and mine is almost pd off. He is on disability and I am on social security. Thank you for any insight you can offer. Mary
Answered 01/29/09 12:04:47 by Mike Warsop,
Loan Originator for BNC National
Submitted by joann from pa
Q: I am trying to buy the house I have lived in for 25+ yrs. I was all ready to close on a loan when appraisor for a fha loan said the well needs moved. There is nothing wrong with the well he didn't like the location. My middle credit score is somewhere around 585, is there any other type loan I could get?
Answered 12/29/08 12:07:35 by Mike Warsop,
Loan Originator for BNC National
Submitted by Joe from Fort Lauderale, FL
Q: I have an FHA loan at 6.5% for 30 years and what rate could you get me and how much would it cost?
Answered 12/29/08 12:05:55 by Mike Warsop,
Loan Originator for BNC National
Submitted by Steve Jansen from Milwaukee, WI
Q: Hi Mike, Great Forum!! I was late on my mortgage payment in April 2008 and have an FHA loan at 7% with a balance of give or take 195,000 can I still do a streamline?
Answered 12/29/08 12:04:57 by Mike Warsop,
Loan Originator for BNC National
Submitted by Linda Weatherby from Albuquerque, NM
Q: Hi Michael, My husband and I have 35,000 in credit card debt and our home is paid for free and clear and the value is around 150,000. We would like to pay our credit cards off and pay our sons tuition of 50,000 dollars. We have credit scores of around 760 each what would be the best loan for us and can you lend in New Mexico?
Answered 12/29/08 12:03:39 by Mike Warsop,
Loan Originator for BNC National
Submitted by faith Green from Fredericksburg, VA
Q: Buying a home
Answered 11/28/08 11:35:32 by Mike Warsop,
Loan Originator for BNC National
Submitted by frank dinatalli from waterloo ia
Q: need to refinance home mortage.
Answered 11/25/08 10:00:05 by Mike Warsop,
Loan Originator for BNC National
Submitted by paulette from monroe,ga
Q: Hello Mike I own property and I want to build a new home on my property what does my credit score have to be to qualify for a construction loan.
Answered 11/21/08 11:36:05 by Mike Warsop,
Loan Originator for BNC National
Submitted by K B. V. from Baton Rouge, La
Q: Hi,Mike What is the total over all on a $100.00.00 loan in louisiana FHA. and the settlemeny amt. i will have to pay. I want to see if i can affordrd it.
Answered 11/17/08 11:56:53 by Mike Warsop,
Loan Originator for BNC National
Submitted by Vondale Mack from Capitol Hgts, MD
Q: Hi Mike, My name is Vondale Mack. My husband lost his job a couple of months ago. Things are very tight and we are just keeping our head above water. I have tried a couple of times in the last month to refinance our current loan but I keep hearing the same thing. My credit is workable but my debt to credit ratio is too high. I was even asking if they could just give me a lower interest rate without any money but they word not do it. My mort is currently a adjustable. The current interest rate is about 9.5% I have about 33,000 worth of debt. This is the break down student loans 10,000 Car 18,000 and Credit Cards 4,800. My current income is less than 30,000 a year.
Answered 11/12/08 10:43:56 by Mike Warsop,
Loan Originator for BNC National
Submitted by Don Backlund from Superior Wisconsin
Q: Hi Mike here is our situation we filed for bankruptcy a few years back we are trying to get a loan to consolidate our bills and our home is in need of repair we have been trying to keep up with our mortgage payments we are never months behind we have a fixed rate mortgage around 7.9% our bank wont even help due to our credit rating if theres anything you can do i would love to hear from you thanks Don and Debbie Backlund
Answered 11/10/08 11:13:39 by Mike Warsop,
Loan Originator for BNC National
