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All Mortgages & Loans Questions

Updated Feb 08, 2010

Q: Mother Seeking down Payment Assistance for Mortgage Information    —Chicago, IL

"I am in the process of looking for a home and would like to know if anyone has any information for down payment assis..."

Answers:

Hi C., There are a lot of "creative financing" options available these days - you may be able to get by putting only 5% down. What you'd do is take out a mortgage fo...

The City of Chicago has a couple of programs available for downpayment or closing cost assistance. Check their website. Also, check with your place of employment as s...

3 more answers >>

Q: Seeking Re-financing Company...    —Pittsburgh, PA

"We are looking to refinance our home soon. We are in the Pittsburgh area. We have been dealing with a sort-of "friend..."

Answers:

Hi S., When I refinanced my home, I ended up doing it through my bank (Citizens Bank). I got a much better rate and avoided a lot of the fees that mortgage compani...

My best advice would be to check the Post Gazette (I think Sunday edition) at the mortgage rate table. It will tell you all the different banks with their rates by te...

2 more answers >>

Q: Seeking Help    —Carnegie, PA

"i would just like to know if anyone knows of anyplace that i could possibly obtain a loan from. credit is not so goo..."

Answers:

I don't know where you live, but there is place in downtown Pittsburgh Neighborhood Legal Services that is free or relatively inexpensive, depending on your income. ...

Not likely you will get a loan easily. Try one of the churches for help -i.e. Christ Church at Grove Farm, or Allegheny Center Christian Missionary Alliance. These ch...

3 more answers >>

Q: How to Get Money Owed to You    —Liberty, MO

"Suggestions on how to get someone you considered a CLOSE friend to repay you money they owe you. They have stopped al..."

Answers:

It sucks when people you really think you can trust let you down. Grrr, I've adopted a policy (after being burnt) not to lend friends money. I'd try to send her anot...

My best friend has owed me a little over $1,000.00 for @ least 3 years now. I have decided I'm never gonna get it back. That's why they say never to loan money to yo...

3 more answers >>

Q: Mortgage Transfer    —Houston, TX

"My mortgage account was automatically transfered to another company. I was told by customer service that this is a no..."

Answers:

a very common practice. everything should stay the same. now you may get a ton of junk mail though for some reason. your payment should be the same but new company ...

It is normal. Mortgage lenders typically package loans and sell them to other lenders. It is nothing to worry about. All your terms will remain the same. The same ...

4 more answers >>

Q: Should We Seek Legal Counsel    —Summitville, IN

"We are behind on our mortgage, approx 3 mos. It would not be this many mos if they hadn't sent our last payment back...."

Answers:

We went thorugh this not to long ago. We had an attorney that we did use. My husband had a company that decided that they would not accept the payment that he could af...

The only reason why I think they might refuse payment is when they are starting foreclosure proceedings. Then you have to contact their attorneys and they won't accept...

4 more answers >>

Q: Mortgage Company to Refinance with and Should I Pay More to Get a Lower Rate?    —Charlotte, NC

"I am currently looking to refinance my home. I would like to do this in the next few weeks as i believe the rates wi..."

Answers:

Most of the time it cost about $2000 to refinance your mortgage. With that said, intrest rates are so low it's unreal. I think they are between 4.9% and 5.6% and tha...

You need to figure out if the closing costs will out weight the benefits of the new rate. What is your current rate? What are they offering? I would not refi if the cl...

14 more answers >>

Q: To Buy a New House or Not To???    —Belgrade, MT

"I am a mom of 5 living in a small 4 bedroom house. We are considering upgrading to a larger house but it would compl..."

Answers:

Are you a Savings Angel member? If not you will save HUGE. It is a website that has already began to change my live. (Local folks, originated in Holland, MI) I've only...

Hey B., Go for it; I would do it. I am a firm believer of the family should sit together during dinner...

12 more answers >>

Q: I Need to Apply for a Business Loan...    —Tempe, AZ

"Does anyone have any experience, advice or direction they can offer me? I've never done this before and am starting t..."

Answers:

I'd also recommend the Women's Resource Center. They have personal counselors, mentors and workshops.

There is an agency in Phoenix that can walk you through the process and just about guarantee your companies success. They teach you how to write the business plan, of...

3 more answers >>

Q: Recommend a Title Company/lawyer?    —Sugar Land, TX

"Hi! I'm looking for a recommendation for a title company or lawyer's office that deals with real estate loans. Our lo..."

Answers:

Go to National TitleNet. They were AWESOME with us!!! From what I understand, they close all over the nation, but our closing was in Katy, TX and they had an office ...

If convenience is your main criteria, any title company can do this. You can even look up title companies on the internet: http://www.nearbytitle.com/ and call to mak...

3 more answers >>

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