Chatzky: Unusual case? Get a mortgage broker

Dec. 7, 2011 at 11:56 AM ET

Today Money financial expert Jean Chatzky joined us for a live Web chat Wednesday to answer your questions.

Here’s one of his answers to questions from the live chat. (See below for the full Q&A and video of Jean’s TV appearance this morning.)

Bob asked:

“I have a 830 credit score. I know because the Bank sent it and my refi refusal on the same day. Every loan officer goes straight to my net taxable income and says I have too many tax write-offs to qualify. How can I refi? I'm at 6.5% fixed and owe 1/3 of the home value, NO debts, perfect credit.”

Jean replied:

You're an unusual case and the best way for unusual cases to get home loans is through mortgage brokers -- they have connections with the lenders and know how to work the system to get you what you need. And it shouldn't cost you any more than dealing directly with a lender.”

Here’s the full chat archive and Jean’s TV appearance:

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