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1.	Q. I have a client who left his job 3 months ago to start his own company. He is in the same industry. Is there any bank that will lend to a borrower who has been self employed for less than 6 months? Thanks, Will Category/Sub-Category Loans : Conventional Loans
2.	Q. Hey Brian, I needed some help on maybe a script or some few pointers to use to start collecting appraisal fees upfront from my clients. I’ve been burned a couple times and had to cover the cost out of my pocket. Maybe I’m just too nice sometimes. Some are harder, especially people looking to refinance with no money out of their pocket. Or, a Realtor’s like, “why does my client have to give you $400 dollars for if the sellers paying all the closing costs?” You never know with HVCC or AMC's. Some, especially FTHB, give you a look like, “oh great this guy is taking my money.” It’s hard to sell them to use you when you say hey you’re responsible for the APPRAISAL if the deal falls through. I have no problem rolling the fee in a refinance and tearing the check after it closes. I’m just trying to cover my tail and I’m trying hard to better my sales skills during the PQ process. Any help would be greatly appreciated! Thanks friend. Category Marketing Systems
3.	Q. Looking for a FHA 203ks lender you would recommend. Thanks, Jim Category/Sub-Category Loans : FHA Loans
4.	Q. Good Afternoon! I have a client in Texas that wants to buy a home and needs a 90% ltv on a loan amount of $405,000. He has a 663 score and his wife has a 750 score. Is there a lender that will consider this under a portfolio product because I do not think we can get private mortgage insurnace. Thanks. Category/Sub-Category Loans : Oddball Loan Programs
5.	Q. Hello, Got a tech question for ya! On FHA loans, under the Mortgage Insurance tab in Calyx Point, I know you need to enter “cancel at 78%”. But do you check the box “calculate based on the remaining balance? Which recalculates the MI every year based on the remaing balance of the loan. Also, do you do this for conventional loan as well or what is the setup you guys do. Thank you so much for your time!:) Category/Sub-Category Miscellaneous : Software

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