mortgage credit
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Major Debt Considering Bankruptcy or Foreclosure
My mother and I (best friends) assumed it in our credit cards. We are now in the difficult ... My husband and I own a mortgage company Home Funding USA. ...
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...
Credit Card Help
Ok 4 years ago I transferred all of my cc's to a no intrest credit card. ... I was an auditor for many years, some of it in the Mortgage Collections field, ...
Answers
- Scare tactics and if they keep hounding you, you can press charges against them. DO NOT GIVE THEM YOUR ACCOUNT NUMBER. Have they ever notified you via mail that you ...
- Do not give them any access to your account or post dated checks. Tell them to send you something in writing to say that they will accept $150 a month and then send th...
- Everyone else has given you excellent advice. I'll just add that you can go to www.daveramsey.com From there you can listen to his archives online at your leisure. ...
Fraudulent Credit Claims
Just a few weeks ago my husband and I turned in an application for a mortgage, and were turned down. In looking at our credit report we found that there are ...
Answers
- A. B. maybe I can help. Email me ____@____.com. I can give you some pointers - or you can visit creditboards.com for assistance
- A., I worked as a mortgage processor for 10+ years and we saw things like this all the time. If you have already callled and faxed contracts and such with not resu...
- Hi...I would recommend sending this email on to Suze Orman, I guess her website would be suzeorman.com. She always has fantastic financial advice; I'm not a person wh...
Credit Card Problems
Times are trough, but not paying your credit cards is suicide. These should be paid before any other bills except your mortgage. Call each of your creditors ...
Answers
- Times are trough, but not paying your credit cards is suicide. These should be paid before any other bills except your mortgage. Call each of your creditors, and talk ...
- Hi, J., We have foubd ourselves in the credit cards debt up to 17,000.00 and to solve the problem I enrolled into the DMP plan (DMP stands for Debt Management Plan) w...
- Ask the credit card companies to lower the interest. Try to always pay the min. and not use the cards anymore. Also try a consolidating home equity loan or other suc...
Seeking Help
Also, I have heard to try to use a mortgage company that does "manual underwriting" for a mortgage if you have credit problems--they don't just use a credit ...
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...
- C., Have you tried Neighborhood Legal Services? ###-###-#### You can visit www.palawhelp.org/PA/Index.cfm and www.palegalservices.com Also, I have heard...
Mom Whose Thinking of Buying a home...HELP!!
I'm a work from home mom who happens to be mortgage loan officer and used to be a broker. The late pays on your line of credit will definitely lower your ...
Answers
- I bought my first home with a first time home buyer assistance down payment loan from the city where I live. I first went through a home buyer education series, spent ...
- Hi L. and Shanna, I'm in a similar situation. I'm in the Charlotte, NC area. In everyone's experience, is a realtor like Shanna described your best bet in finding ...
- Hehe, I know your pain! It took us several years to buy the house we're in now. We talked to the bank, talked to brokers, and had our heades spinning by the time it ...
Mortgage Company to Refinance with and Should I Pay More to Get a Lower Rate?
Most of the time it cost about $2000 to refinance your mortgage. ... refinance rates · loan no credit check · refinance mortgage loan home rate ...
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...
- Hi, I just refinanced with a rate of 4.5% for 30 year fixed (did not have to buy the rate down) with RBC in New Bern. The loan originator there is efficient and ver...
Help with Credit Card Debt
You are better off to go with a line of credit if you can. ... We really need it to put towards our mortgage. We are still trying to get approved for the ...
Answers
- Typically if you use a debt consolidation company they are able to lower the total amount you owe before you even make your first payment. Go to goodsenseministry.com ...
- Hi V. Last year I consolidated my $10,000 debt via a really awesome family credit union. Doing so lowered my total interest rate immensely, and my monthly payment...
- Good Morning V.... I wanted to let you know I just started a program with Family Life Resources.. They are a Christian non-profit agency that helps determine whats ...
401K & Foreclosure
If you can't use the money for your mortgage could you use that money to pay ... on the market for sale, then try renting for awhile to repair your credit. ...
Answers
- I'm so sorry for what you are going through. Unfortunately I don't have any good answers for you?! I would suggest talking to a lawyer...but that would cost money to...
- I think that if you took the money out of your 401k for the house then you need to use it for that. If you took it out as a general loan then you can use it however y...
- I guess I'm confused as to why you are working a job that is costing you the possible loss of your home? When my child was born, I had been working a job, but when we ...
Debt Collection-am I Being Scammed?
It was a debt collector representing a mortgage company claiming that my husband owes ... And, would this debt not show up on his credit report and why now, ...
Answers
- There is such a thing as a deficiency judgment (meaning the lender files a lawsuit to recover and the court issues a judgment); however, some states have anti-deficien...
- Dear K L, 3rd party debt collection companies and continue to attempt collection until the cows come home. The bottom line is this: The original debt is over 10...
- Hi! I am so sorry to hear about this stressful time for you. Here is my advice: 1) If your husband is still in somewhat of contact with his first wife, he should call...
