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All Mortgages & Loans Questions

Updated May 28, 2012

Q: Looking for Owner Financing---Where to Find??? Help Please!    —Mesquite, TX

"My husband and I have been renting a home from my parents for about a year but we desperately want to be in our own h..."

Answers:

Hi T., I am a real estate agent with Keller Williams and I can help you find owner financed homes. If you want to email me directly with your home critera I wi...

Hi T., First, I understand how much everyone would like to be in their own home. Secondly, I also understand that there are many interesting things about owner-f...

2 more answers >>

Q: Mortgage Relief Help????    —Mercersburg, PA

"Long story short, my husband was laid off for 11 mths. We went to our mortgage company asking for help..Sorry about o..."

Answers:

you can go to the web site, www.makinghomeaffordable.gov and it can give you information about if you are eligbile for assistance. You may also want to a credit counsl...

I agree with the others, do not trust flyers or letters in the mail. Anytime you get anything that is "too good to be true" it probably is. Go to govbenefits.gov...

8 more answers >>

Q: Seeking Help in Saving My Home from Foreclosure!    —Deltona, FL

"I am in need of advise help anything at this point to shead some light on my situation. My home is going into foreclo..."

Answers:

Hi D., I am so sorry to hear that you are going through foreclosure. It is such a hard time to go through. Please visit www.premierinvesting.net... they offer a free ...

Has anything changed in your income this year to prevent you from paying your mortgage? The reason I ask is you may qualify for a loan modification. I lost my job in...

20 more answers >>

Q: Bi-weekly Mortgage Payments    —Denver, CO

"We just bought a house, and are looking at the possibility of doing the program where you pay every two weeks and end..."

Answers:

I would never pay for that kind of program. I would call my mortgage company and make sure extra payments wouldn't give me a fee and then just do it on my own for free...

I have no first hand experience with these programs, but advice I've received about paying extra to set up the twice monthly payment is : don't do it. If you want the ...

20 more answers >>

Q: Foreclosure    —Garden City, MI

"My husband and I need to foreclose. We dont qualify for a loan mod and our bank is not working with us to short sale..."

Answers:

You might want to consider talking to a Bankruptcy Lawyer the first visit is free and they can help you decide what action is best for you. I know a lot of people that...

Get a banruptcy lawyer, my husband did this (married before) and he was told that if you just foreclose on your own, then the bank etc., can garnish your wages, and ta...

8 more answers >>

Q: Home Loan    —Sacramento, CA

"We are currently trying to get a home loan. However we are finding it rather challenging due to the fact that my husb..."

Answers:

Set an appt with a Mortgage company, like Countrywide and they will help you. I am pretty certain ya'll will qualify for a FHA loan vs. a Conventional loan. It's my u...

K., my husband and I both have excellent credit scores (800+), a good combined income, and we still had a hard time finding a good rate to refinance our place. And we'...

2 more answers >>

Q: Mortgage for a Family with Challanged Credit    —Lees Summit, MO

"Does anyone have a suggestion about a mortgage broker that will work with someone with challanged credit. My husband ..."

Answers:

Hi A., I work for Plaza Morgage. Alot of my clients are "credit challanged" borrowers! If you are two years out from your Bankruptcy than you could do a FHA loan. C...

Well, I think it may depend what area you want to buy in. Most importantly, you should avoid predatory lenders who will give you a low initial interest rate and an ad...

2 more answers >>

Q: Cash Flow Problem    —Bowie, MD

"Hi, my new job start date got pushed back to January instead of November, and I am currently experiencing cash flow p..."

Answers:

Good afternoon M., I am just following up on your request for some assistance with your financial situation. My name is A. Lavoie and I am a finacial coach who ma...

I noted in your bio that you are a Christian. If you attend church, check with them. Often churches put funds in an account to help out members in times of need. I d...

2 more answers >>

Q: Can We Ever Buy a Home?    —Watertown, MA

"Hi all. I don't work much so I can stay home with my daughter. I have great credit, but my husband does not! He is th..."

Answers:

I would also go to a broker because they can help you with many different programs. When I bought my condo as a single mom, I only worked part time but I had a good c...

Instead of a bank I would go to a mortgage broker who works with alll different kinds of lenders and can guide you. Write me if you want someone's name. Good luck. I...

2 more answers >>

Q: Mortgage Loans    —Roseville, MI

"We are looking for a mortgage company that doesn't charge an origination fee or has low closing costs Does anyone kno..."

Answers:

I use Capital Mortgage in southfield, I have been with them for 4 years and they are wonderful. Always taking care of us and making sure we are getting the lowest rat...

My husband owns a mortgage company and he is all for helping people! He just opened this company, but he's been in the business for 10 years. He has a small company wh...

2 more answers >>

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