refi
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Debt Mnagement and Getting a Mortgage
refi · credit report · credit debt · bad credit · loan home · accounts · mortgage credit · credit mortgage · debt loans · mortgage bad credit ...
Answers
- I'm going to say that it depends, when I was in college I made a few mistakes, I had to go through a debt consolidation Co. and in no way shape or form did it affect m...
- I know people that have filed bankruptcy and got a mortgage with in the same year. So, I don't see how trying to pay off your debt would hurt. You may end up with a h...
- Hi N. May I suggest a finance and debt coach? His name is Dave Ramsey. You can listen to him FREE on 2 local radio stations. am 1260 or am1090 Both stations ar...
I’m in a Financial Battle with My Husband
Asked by A.E. from Chicago
on November 2, 2008
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Hello Moms,
This is not a normal request you see on this site but I’m hoping there may be some moms out there that can help me realize I’m either wrong or right...
Answers
- If I understand this correctly, you're paying 10.75% interest on this loan, and the bank is giving you 2% on your money. Wouldn't you be saving 8.75% by paying it off?...
- Everyone that has posted a response makes sense. But you have to consider many points. First, if you refi, then think about the fees you will have to pay to do so. ...
- Of course the bank wants you to keep the money in your savings account - if you take it out you're taking it from them and their ability to reinvest in their own schem...
Seeking Re-financing Company...
Asked by S.Y. from Pittsburgh
on June 17, 2008
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We are looking to refinance our home soon. We are in the Pittsburgh area. We have been dealing with a sort-of "friend" who never gets back to us, so we are (gulp) look...
Answers
- Hi S., When I refinanced my home, I ended up doing it through my bank (Citizens Bank). I got a much better rate and avoided a lot of the fees that mortgage compani...
- My best advice would be to check the Post Gazette (I think Sunday edition) at the mortgage rate table. It will tell you all the different banks with their rates by te...
- Why refi? Haven't interest rates gone up recently? We had our mortgage through Dollar Bank and also re-fi'd through them and it was easy. It doesn't really matte...
Refinancing
Asked by S.W. from Chicago
on April 2, 2009
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Has anyone refinanced recently? Yesterday I was quoted %4.875 with $1600 closing costs. It sounds like a lot to me.
Answers
- We are in the process of shopping a refi right now & what you were quoted sounds great. The rule of thumb is if you can get a full point less than what you are curren...
- My husband does mortgages for a living. Feel free to give him a call. His name is Nick, and his cell phone is ###-###-####. He'd be more than happy to help you out!...
- Hi Stacy, My name is J. and I am in financial services. One of the services we provide is refinancing. We have been in business for over 30 years, have never done an...
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...
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...
Looking to Refinance... Any Advice?
Asked by K.B. from Boston
on March 19, 2009
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Does anyone have any advice about refinancing? I'm trying to decide if it's the right time. We pay 6.75 % on our current loan of about $100,000. It's hard to know h...
Answers
- Hi K., My husband & I just refinanced our home last week. We went from having an adjustable mortgage at 6% to a fixed 30-year mortgage at 4 7/8%. The person we us...
- Right new is a great time for a refi with the Fed just buying a bunch of long term debt!! My husband and I have bought two houses and refinanced once (filling out the ...
- definitely refinance, now is a great time, rates are low.. I usually go to lendingtree.com and you'll get 4 quotes - the better your credit,the lower your rate will be...
Cash Out Re-finance?
Asked by M.B. from Kansas City
on January 4, 2009
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So here is my dilema. My husband was transfered to Pa last year. I opted to stay here in KS with the children as I have a special need child and we were formulating a ...
Answers
- Sorry your house hasn't sold yet. Don't give up! I am a Realtor in Gardner and would love to talk to you and help you sell your home. I have several lenders that refin...
- Hey M.! My husband is a mortgage loan officer at KU Credit Union in Lawrence, KS and he might be able to help you out. You can call him at ###-###-#### or email hi...
- You really need to contact a bank. I know of several people with great credit having their home equity line of credits withdrawn. Not because of their credit but bec...
Refinancing Home
Asked by J.E. from Boise
on February 27, 2009
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Our current home morgage intrest rate is 5.85. We were told by a lender that we could lower it to 4.88 by refinancing. Is this smart given the state of the economy? ...
Answers
- OK this may sound off, but here is my suggestion and I know of many friends (with both perfect and not so perfect credit) that have done what I'm going to suggest to y...
- I wouldn't trust everyone, some of these lenders are so desperate for work, they will say anything. We have a wonderful who is so honest. We have a fixed rate that's...
- I think you need to run the numbers and read the fine print. Does the refinancing come with no cost or will you have to pay points and/or fees? Is there going to be ...
Looking for Reputable Mortgage Broker That You Have Used at Least Once
Asked by M.H. from Dallas
on January 19, 2009
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We would like to talk to a broker about our refinancing options related to the recent rate drops. I am looking for someone who you have had do your own mortgage not s...
Answers
- We used Curtis Mortage in Denton when we bought our house. Before we went to them we went online and we were going to use Lending Tree or one of those. They totally sc...
- I second Curtis Mortgage in Denton. Stacy Curstis is a VERY nice, honest, reliable guy. He did our home loan years ago. He has done all our family's business (and he's...
- We have had good experiences with Guardian. We worked with Fran and I am not positive is she is there or not now. They did a great job with our mortgage when we bu...
