auto loan refinance
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Should I Refinance?
Asked by T.B. from San Francisco
on February 5, 2009
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I purchased my home 6 yrs ago at a fixed rate of 6.375% for 30 yrs. My financial advisor is advising that I refinance at a new fixed rate of 5% for 30 yrs and include...
Answers
- you should get the advice of a finance expert that is not positioned to gain a commission if you choose this option. it is hard to get an unbiased opinion from someo...
- Hi T., If you can afford the payments as you have them now, then don't refinance. Not only will you owe more than you do now on the principle but over time you will...
- I've been a Realtor for 40 years, and have seen all the scenarios you can name. One of the crucial things you need to think about before refinancing is "how long do y...
Auto Finance--Do We Have ANY Rights??
Asked by J.H. from Dallas
on January 30, 2008
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Hi Everyone!
I need help. First, I'm not sure what's wrong with me, I've been feeling yucky (stomach) and I'm SO emotional right now. (hope I'm not pregnant!)
Bu...
Answers
- I work at a financial institution and can sometimes hear my collections department. I think that they do have the right to be firm in collecting their money. Believe...
- As a former debt collector, she is trying to scare you. I would get your bill up to date. Some debt collectors have those type of tatics to bully people. Everyone has ...
- J., Sometimes people are just rude. It is her job to collect money - not a fun job I am sure. Why don't you just make sure you pay your bills on time to avoid all...
What Do You Do About Your Mortgage??
Asked by M.M. from Dallas
on January 1, 2009
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Ladies,
My husband and I had a deep conversation this morning about our home mortgage, and we'd like to know what the norm is. Do most people get a 30 year loan for ...
Answers
- What my friend used to do was get a breakdown from the bank of what amount of the loan went twards intrest/principial every month. Then she would pay the regular payme...
- Good Morning Reba S I work for a title company and most of the closings that have loans are 30 year mortgages. I always suggest in closing that you make extra princ...
- Hi Reba, I have a 30 year note which made my monthly payments affordable. Most people I know have 30 year mortgages. In addition to the monthly note, I add a separa...
Question About Buying Our First Home
Asked by M.M. from Columbus
on February 22, 2011
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My husband will be graduating physican assistant school in late May and we are excited to start the process of purchasing our first home. Over the past several years, ...
Answers
- CONGRATULATIONS on becoming a home owner!!! Yes, your debt to income ratio will be considered in your pre-approval for your mortgage. You need to get pre-approve...
- I believe your credit score will be affected by your credit card debt. Your credit score looks at the credit available to you and then how much of that available cred...
- I'm sorry that I can't directly answer your question. I hope that your credit issue doesn't affect the purchase of your home! Sounds like you are on the right road t...
Repossestion
Asked by M.D. from Phoenix
on September 28, 2010
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Hi Ok my husband is currently out of the country and will be for the next 2 weeks. Last night I went out to lock my truck when I realized his car was not there I calle...
Answers
- Call the car loan company and ask what the procedure is for the repo'd car. If you can't afford to pick it up, you can't. I wouldn't even tell your husband till he r...
- I own an insurance agency in Gilbert (so we are neighbors!) and Denise P said to contact your insurance agent but really, there is nothing we can do. It has to do with...
- At this point, since you really can't afford the car and it has already been taken. Let it go. You may be able to pick a used car for a good deal but get it checked ou...
Financial Advice
Asked by L.W. from Chicago
on January 29, 2009
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Hello Moms,
This year has been extremely tough with the economy. My husband was laid off and is now back in school Full-Time. He was a union carpenter and with the ...
Answers
- L., This economy is tough for everyone. Whatever you do, do not go with a debt consolidation company who promises to save you money and work w/ your credit card c...
- I have not ever been in that situation, but from watching a number of different things on tv, magazines etc. You should definitely look at your debt and lay it out if ...
- Hello, I hear you there. Though I must say, your debt is not bad and very manageable. I would not close out accounts or take out any more loans. If you do get an offer...
How Much Do You Pay per Month on Your Mortgage?
Asked by S.M. from Dallas
on March 1, 2008
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We are saving up to buy a house and are very close to our goal. I am just trying to get a ballpark figure of how much we would be paying per month on a $150,000.00 mor...
Answers
- You got lots of responses! Wow! I have a little bit of insight on this. My MIL and husband have both worked in the mortgage industry and I worked in the homeowners ins...
- S., You've gotten great tips already. I own a rental home that cost me close to the price you mentioned. With the mortgage, property taxes, and homeowners insuran...
- S., That is great that you are saving for a home. You might check with a reputable Mortgage Lender to see what programs are available for you. I can give you a few to...
Getting to Know You...
Asked by L.P. from Pittsburgh
on July 15, 2011
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What is your career, or what do you do for a living?
And what does your husband do?
I work for a major auto insurance carrier, and I handle medical claims. Ho...
Answers
- I am a SAHM and I also help my mom with her Herbalife business. I used to work for a company called Keystone Candle (check out their website, amazing products!) where...
- I worked FT in Advertising & Marketing (B to B) for 20+ years, now I work PT for the same co doing website development for them. My husband is a foreman/metal fabrica...
- I am a licensed professional counselor who works part-time. I work 3 nights in an office outpatient setting, and one night at a horse farm doing equine assisted couns...
My Car Has Been Stolen and I've Turned to the Web for Help.
Asked by H.H. from Elkhart
on October 10, 2009
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My name is H. Hardesty and I am looking for someone to give a voice to a serious issue that I have found myself in the middle of. I am now the proud owner of a stolen...
Answers
- FBI most likely. It would be worth a try. The tv station in your area. Is there an investegation team like Fox 8 in noth east ohio has that kind of thing. That may hel...
- wow that is so crazy and messed up i wish to God i could do somt hing to help ifi hear anything at all that could help you i will e-mail you instantly all i can say ...
- I also think you should try calling/emailing either WSBT or WNDU (WSBT seems to do more of these stories however). Other than that, I don't have much advice. I defin...
Looking to Buy a New Car, Advice Needed!!
Asked by M.L. from Houston
on August 13, 2011
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We are desperate for a car. Most likely a used van. My car is 13 years old and my husband's is about 20 years old and neither have working air conditioners... and it i...
Answers
- I bought my car from CarMax. They took in my old minivan with a questionable transmission and I bought a 2006 Honda accord with 20,000 miles. I was...
- Go to your bank, credit union or back to USAA and find out how much of a car you can buy - kinda like a home....then you can shop on knowing how much you can get credi...
- I'm an insurance agent in AZ. Before you buy, give the VIN to your insurance agent to quote the insurance. Especially if you have a couple different cars or vans in ...
