florida refinance
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Harp Refinance Program
Asked by A.G. from Boca Raton
on April 25, 2012
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I am currently about 50,000 dollars upside down on an investment condo in Florida that I own. I have never missed a payment and I have excellent credit. It is eligibl...
Answers
- You won't be able to find a better rate because no other bank will touch you. If you don't mind indulging me a rant this is what pisses me off about these programs....
- I don't know much about this but, I am in the same position. I have never been late on a payment but need to move in the next 5 years or so because my son has special...
- I think you mean HAMP?
Need to Refinance Home
Asked by K.B. from Tampa
on July 3, 2007
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I need help trying to find a good mortgage company that will help me refinance my home. my rate starts adjusting in October and i am not sure what my payments are goin...
Answers
- My husband is a banking center manager and does mortgage re-fi's all day long. Give him a call and see if he can help. Nick Rodriguez at Regions (used to be AmSouth)...
- We've done two mortgages through Dan Larios and both times he was able to work with us to find the best option. He's with Countrywide now and they have some great re-...
- I would be happy to help you out! I'm a SAHM and own Home Funding USA as well. Our fees and rates are very low. We have refinanced many families in the area and we wil...
Can He Sell the House
Asked by L.G. from Tampa
on October 10, 2006
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My huband purchased our home 3 years ago prior to us getting married so therefore the house is in his name only. We are going thru a tough time now and he wants to sel...
Answers
- He can sell the house because it was puchased before you were married, it's labeled as personal property. You can either assume the mortgage if he's willing to let yo...
- Wow everyone has a lot of opinions. I can tell you exactly what happened to my husband and I. We both owned homes before we were married. When I sold my house, whic...
- Hi L.: I moved to FL from WI about a year ago. I'm not sure of FL law, but I know in WI there is the marital property law which states that anything either of you ow...
Need Some Help with Wedding!
Asked by S.J. from Miami
on June 16, 2007
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Hi! Can anyone recommend a photographer for my wedding? Note*I do not want to refinance my home for this!!:) Also, I am looking for a great local one-man band/dj. An...
Answers
- Hi there! My name is A. and I`m a fellow mom, as well as a photographer. I`d love to help you out. Here is my website: www.davidimages.com If you have any...
- Hi. I used a great photographer for my wedding Veda Jo. She was much cheaper then the bigs guys. I'm looking for her number and will send it to you. My sister used Par...
- Duncan Fernandez.. he is wonderful and will work with you and is very reasonable. ###-###-#### ____@____.com I used him for my wedding, my sisters wedding, and my...
Upside down on House
Asked by J.K. from Phoenix
on April 7, 2010
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Any ideas or anything will be so helpful! We are in an interest only ARM (6.25%) which becomes adjustable in Oct. 2011. We owe $274K and our house is worth $131K. ...
Answers
- Have you thought about renting your current home out and moving to a smaller place (rent as well)? You could possibly sell or move back in when things get better.
- Houses seem to be dropping all over but that doesn't mean they won't go back up, so if you can hang in there. Other poster was right, where will you live? I am assumin...
- Have you looked into Dave Ramsey's Money Makeover? We attended the Financial Peace University (FPU). It has provided a lot of financial education for us. If inter...
Major Debt Considering Bankruptcy or Foreclosure
Asked by G.M. from Tampa
on September 11, 2007
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When I married my husband he had a TON of debt. My mother and I (best friends) assumed it in our credit cards. We are now in the difficult situation of being 141K in ...
Answers
- Hi. I am an attorney and let me start offf by saying that what I am about to say does not mean that I am your attorney. Sorry, but had a "friend" burn me when I didn...
- Please let me know what you find out. I have been considering bankruptcy for a number of years. Although, I don’t have credit card debt, I have many other negative m...
- My aunt and uncle just went thru bankrupcy, As far as I know it was not too hard. It does cost like 800-900 to get the ball rolling. They were able to keep their hou...
Seeking Help with Mortgage/Closing Costs Questions
Asked by E.S. from Chicago
on March 7, 2012
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Any mortgage brokers out there who have a really good and comprehensive list/template/description of closing costs from both a buyer's and seller's perspective? My hus...
Answers
- Call Bill Skutta from Mortgage Resource Group in Elmwood Park. I send everyone to him that has mortgage questions. He is great and super knowledgable on many product...
- Nowadays, it is best to make an appointment with a mortgage broker/banker and they will sit down with you-and all your financial info, and determine-as closely as pos...
- Here is a link of the usual closing costs, I think they may vary from state to state. Here in Florida and in PA we did not need to hire an attorney. We have bought pro...
Looking to Become Parents Through Adoption
Asked by L.W. from Tampa
on November 2, 2007
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My son is six years old and asks everyday for a sibling and I feel so bad. I have recently put him in soccer to try and help him meet friends. We have been told by doc...
Answers
- L., I recently saw an Oprah show about a surrogate mom program in India. The Indian moms will carry a baby for moms who can't for various reasons. The fee that you p...
- We adopted twins internationally from Guatemala 2 1/2 years ago. Yes, it was expensive; however, they are our little blessings that I thank God everyday for them!!! We...
- Hi L., Look into Open Door Adoption Agency in Thomasville, Ga. They have a very unique way of looking at things and ONLY want good parents. If they find the right p...
Buying a Nicer House When Almost Underwater in Current One
Asked by K.B. from Tampa
on December 14, 2011
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Here is a question I have pondered. We put 20% down on our house when we purchased in 2006 and since then the market has tanked. We have paid down some of the mortgage...
Answers
- I look at it this way. You will need to sell your current home first and hope to break even on what you owe. Then to get financed for another home you WILL need very g...
- K.: Personally? If I could get a better house in a better neighborhood - I'd start saving now. I would make sure I could get the most for my house when I list it - ...
- A lot also depends on your credit score and an appraisals opinion of what your current house is worth. I refinanced my house, and it came in $40,000 less than I thoug...
There Goes the Job. What Would You Do in This Situation?
Asked by M.R. from Boston
on March 29, 2011
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A bunch of us at work just got notified that our department is being downsized and that most of us are getting laid off by May 1st. Although I'm not shocked by this be...
Answers
- I hate to break it to you, but the odds of your finding a job within 1 month that will be of the same caliber as what you're about to lose is slim to none. Trust me, ...
- I'd start looking for a job while you have a job, it always looks better to a future employer. If you go on unemployment you will be having to look for a job anyway a...
- I would get your resume updated and out there now. Why not? You can get back into the job-hunt swing off things by getting a couple interviews under your belt in April...