mortgage rates 15 year
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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...
Mortgage Refinancing
Asked by J.C. from St. Louis
on June 24, 2011
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Without trying to get into anyone's personal business, I was curious if anyone had refinanced their home. Did you get cash out for consolidation/home improvements? D...
Answers
- If you are talking about a mortgage broker a good number of them are awful. Actually I have nothing good to say about the big ones. I went through homested after my ...
- We did refinanced just like TF. We don't have any credit card debt, and chose to refinance because of lower interest rates and wanting to pay off our house earlier. ...
- In the past 16 years, I've refinanced. I've taken out a home equity loan. Then I combined the 2 (original mortgage and home equity) and took out an additional $25,000...
Upside down on Mortgage
Asked by J. from Philadelphia
on October 19, 2010
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Hi, Everyone
I have a question for you all out there.
We have a mortgage where were trying to refinance but since we are upside down and are mortgage says we wil...
Answers
- SELL SOME THINGS! Cars, boats, jet skis, motorcycles, electronics, jewelry, real estate, anything you have of value. Anything that you own is fair game. You can do ...
- We've been in the same boat and our mortgage company wouldn't refinance us and we didn't qualify for a loan modification. We're about $150,000 upside down and we were...
- Perhaps you could take out a personal loan for $13,000. I'd only do that if you'll save money with a lower interest rate on the mortgage. If you have property, such ...
What Could Be Happening to the Mortgage!
Asked by B.H. from Detroit
on November 29, 2010
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We bought our home in 1999 with a 15 year mortgage. We have never taken out a loan on the home or refinanced it.
My husband tells me now that our mortgage has gone up...
Answers
- Take a look at the original documents, but also call the town and county. It sounds like your escrow is depleted, but you need to find out why! It is entirely possib...
- is it Citimortgage? They tried to do this to us last year. They said that there was an "estimated shortfall" in the escrow. That made no sense since that year's esc...
- I have never heard of a mortgage increasing. We've built 2 homes and have owned others and that has never happened. Are you sure you do not have an adjustable rate...
Refinancing Mortgage
Asked by J.V. from Chicago
on February 29, 2012
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Hubby and I are on an ARM that will reset this summer. When it does, it most likely will go down a percent. For the past 2 years, I've tried to convince hubby that we ...
Answers
- They won't let any type of refi go through WITHOUT an appraisal first. I know this because our refi didn't go through for this very reason, not enough equity and the ...
- While it would stink to pay PMI, it might still be totally worth it! What you really need to do is get all of your information together and just make that appointment...
- It doesn't help to worry, just go and talk to a broker. I know it's making you nervous, but rates are at historic lows and it may be worth it even if you do have to p...
Looking for Mortgage Brokers
Asked by J.P. from Chicago
on April 12, 2006
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If anyone has a referral for a mortgage broker and can give me information on that it would be the best. We are in the process of buying a house for ourselves and als...
Answers
- Hi J., Goddluck in the process of Mortgage. I highly recommend Mr Rasched, ###-###-#### of Oasis, he has special deals of Cash back and discounted rates going on ri...
- We are refinancing right now and using the same broker we used to buy this home. He is awesome and totally trustworthy. His name is Bob Hudetz. He is a broker with ...
- Advantage American Mortgage in Bolingbrook. The owners name is Torrence Riley. He has done every mortgage or refi we've had for the past 5 yrs. He's very easy to talk ...
Mortgage Interest Rate Question
Asked by K.G. from Kansas City
on September 20, 2009
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We are considering refinancing our home. We currently have a 30-year fixed, and are looking to keep the same terms, a 30-year fixed. We have a legitimate offer from ...
Answers
- We refinanced at the beginning of the year and got a 30 year fixed for 5.125%.
- It will be a little lower, but you will still probably have a larger payment because of the reduced years. I bit-the-bullet shortly after buying our house and reduced...
- Most lending institutions now have their mortgage rates online, but they can change daily. You can often eliminate the points associated with refinancing by taking an ...
Home Mortgage Advice
Asked by D.Z. from Dallas
on October 30, 2009
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We are purchasing a home and are planning on only using me to get the loan b/c my credit is better than my husband's. Are there any negatives to doing this that I sho...
Answers
- Most states are joint tenancy now, so even though your name and credit will obtain the mortgage, your husband will be included on the deed and will be entitled to 1/2 ...
- Make sure you have a will. In the unlikely case that you were to pass away unexpectedly, and didn't leave a will, TX law would split the house between your husband an...
- Hi D.....i am a mortgage loan officer and there is no downfall unless you need both incomes to qualify?? Do you know? Have you been pre-approved? What area are you ...
Should I Refinance My Mortgage?
Asked by A.D. from Dallas
on January 20, 2009
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I had a 5 yr ARM loan whish I got refinanced last year, March 2008, with 5.5%, 30yrs fixed. I pay monthly escrow with it.
As rates are going down , should I refinan...
Answers
- The easiest way to determine your savings is to go to a website like Bankrate.com and use their mortgage calculators to see how much you will save changing your mortga...
- Another tip: make your monthly payment in 2 seperate payments each month. For example, if your mortgage per month is $1000, pay $500 every two weeks (like one paymen...
- I agree with the previous post - it's too soon and rates haven't changed that much for you to really see any benefit. Plus, refinancing too frequently could have a ne...
Mortgage from On-line Lenders
Asked by L.B. from Phoenix
on April 11, 2009
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I'd like to refinance our mortgage and have been looking at rates from on-line lenders like Amerisave and Nationwide Mortgage, the rates look good but I've never appli...
Answers
- I have refinanced my loan two times at my old house with Nancy. She was great both times. Once was when the rates dropped almost a whole percent and we just wanted t...
- Hi L., As you know right now may not be too good a time to refi, as houses are not worth what they were 3 years ago. But if your house is worth what you owe, I would l...
- I haven't worked with any online mortgage brokers, but I have a GREAT in-person broker! His name is Brady Holland with Inventive Home Lending ###-###-####). He has tak...
