Ask Tim Tim has been in the mortgage industry for more than 11 years as a loan originator and mortgage processor. He's answered just about every kind of mortgage question over the years. Please Send Questions to: firstname.lastname@example.org What is the Difference Between an FHA and Conventional Loan in Cost and Benefits? How Long After a Foreclosure Can I Buy a Home? Can I Use an FHA Refinance to Remove a Borrower? What if the Home does not Meet FHA Minimum Property Standards (MPS) and Selling As-Is? How Do I Refinance with HARP when I have a 2nd Mortgage? We are $30,000 Underwater and Not HARP Eligible. What are our Options? Can I Refinance with HARP if My Mortgage is not a Freddie or Fannie Loan? My Second Mortgage Lender won’t allow a Higher HARP Loan Amount I Need Lower Mortgage Payments but I’m not HARP Refinance Eligible I’m Delinquent on my Mortgage. Can I Buy another Home?