how to refinance your mortgage
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Info Requested on Home Equity Loans
Asked by L.S. from Dallas
on March 26, 2007
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Has anyone had experience with home equity loans? I would like to get some information about how much the fees are to do a home equity loan. I was thinking about tak...
Answers
- Definitely look into a cash-back refinance which can lower your current mortgage payment and give you the money you desire for home repairs. HELOC's are tricky and ca...
- Hi Paula, I am a bank manager for Chase Bank...a Home Equity is a great way to improve your home, pay off credit cards etc. Make sure you do not pay any fees and r...
- Go to your bank. I bank with Compass Bank and they gave me a home equity line of credit. That way you only use what you need when you need it and it works like a credi...
A House & Divorce, Who Handles the Loan? Please Advise
Asked by G.S. from Austin
on August 22, 2011
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My brother, after 3 years of separation wants to file a divorce. No children. He left a violent relationship, walked out with only his clothes and his dogs. Leaving...
Answers
- Everything Jennifer S. said. She's right on.
- from what i understand if both names are on the loan and on the house. The house needs to be sold. I had this conversation with my friend today. We also thought if on...
- I know I'm a little late. Here's the deal... the house and loan are two different situations even though they are tied to each other. Your brother and his wife on on ...
Refinancing
Asked by S.M. from Dallas
on August 8, 2008
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I have a question about refinancing- For those of you that have refinanced have you had better luck using a bank or a mortgage broker? Any advice would be greatly appr...
Answers
- I am a mortgage lender and I'd love the opportunity to assist you. Typically banks do not have the lowest interest rates out there - this is primarily due to the fact...
- I'm not in the business but my husband is so I know a little about brokers. Just remember that a broker is a "middle man" that will broker the loan out to a bank or mo...
- I had my best luck with a credit union they have the best rates. However, most banks are not that competitive in fixed rate loans. I've had better luck with fixed ra...
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...
Refinancing Our House: Suggestions!
Asked by J.M. from Kansas City
on July 1, 2011
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We are looking to refinance our house... any suggestions? A company you used that you preferred? Thanks in advance for the help!
Answers
- I used a broker and refinanced my home + 2 rental properties through them. They found me much better rates than what my local banks were offering. I found them via L...
- I also disagree with the Broker comment. They do not charge extra fees over what any bank would charge, and they have many options to offer over traditional lending i...
- I disagree with the mortgage broker comment. I always use a broker, and he does a great job. He finds me great deals and since I use him and refer him a lot he doesn...
I Need Advice Regarding a Home Shared by Two Divorced Spouses
Asked by S.D. from Philadelphia
on January 17, 2010
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I own a home with my ex. He moved out almost one year ago (thank goodness). He recently stopped paying his share of the mortgage. Our agreement was to split the mor...
Answers
- your ex can be forced to quit claim the house over to you ( this takes his name off the title), but you would have to refinance to get his name off the mortgage. In o...
- Hi, S.: Having a college student share the house? Put an ad on craig's list. Female preferred.... Good luck. D.
- S. D are you planning on keeping the house or are you waiting for a sale? If a sale is the case then why dont you rent it out so that the mortgage is up to date and yo...
Can Anyone Help save Our Home?
Asked by H.B. from Dallas
on July 18, 2009
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I am at such a loss. My husband has a very low credit score and right now our house note is over half of our income. We have a very high interest rate. We have been...
Answers
- H. - we'll talk soon - but in addition to what I already know from email, this info helps. What you described is EXACTLY what we do - help people in your situation av...
- Hi H., Have you tried disputing the negative information on your credit report yet? If so, and I were in your situation, I too would try to hold off as long as I c...
- I know a lady name Julie Waida; She helps people in this situation you can tell her O. M. sent you from networking group. her email is ____@____.com I hope this ...
DH Laid Off
Asked by J.C. from Dallas
on July 1, 2008
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Hello fellow Mama's~
My husband was laid off yesterday and in effort to reduce our expenses, I started by calling our mortgage company to see if they could work wit...
Answers
- I'm not familiar with the ad but if you are able to financially make the payments in smaller increments during the month, your morgage company can not stop you from do...
- What does your husband do? I have had a bunch of job offers lately that I could refer him to, I also have worked with a great IT staffing company in the past. I don'...
- Hi J., I am so sorry to hear of your situation. I don't really have any advice for you but I wanted to caution you about just not paying any bill. My hubby was laid...
Divorce and We Own a House
Asked by T.A. from Dallas
on December 28, 2011
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Ok, my husband and I have decided to call it quits. It's mutual, nothing bad. But I'm ready to move out now. I've already been looking for a rental house for me and my...
Answers
- You might have something put in the divorce decree that he gets the house and you're letting him have it freely, but you HAVE to get it taken care of with the bank. I...
- Don't move put till something to get you off mortgage has taken place. He needs to actually buy out your half of house. No matter if you don't want any money for you...
- it is completely possible to have a friendly divorce! While not always true (after all we split for a reason) I have a great ex husband, he was just a really really b...
Another House Finance Question
Asked by J.G. from Chicago
on April 11, 2012
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Hubby and I decided not to refinance our house. Our ARM is set to go down, and we did some calculations and figured we'd save a lot more by putting the savings at the ...
Answers
- Impressive credit score since 850 is the highest possible. :p You need to relax about the foreclosures. Unless the people who were foreclosed on did major damage t...
- HI, Well I hate to burst your bubble on the credit scores. You might be looking at what is called the Vantgage credit score.. Fico scoring is what all lenders for Mo...
- If there are a couple of foreclosures in your neighborhood, I would think this is a terrible time to try and sell. I suppose the market in your area could get worse, ...
