refinance
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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...
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 ...
Am I Responsible for My Soon to Be X-husband Not Paying the Mortgage?
Asked by S.R. from Dallas
on April 11, 2009
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Hello my husband and I are going through a divorde which will be final soon. He has been staying in our home since August of 2008 and recently I have found out that he...
Answers
- Hopefully, there was paperwork done at the time of the divorce that takes your liability off you. You probably need to contact a real estate attorney to review your op...
- Yes, you are still responsible. The mortgage company doesn't care what kind of agreement you and your husband came to, they only care about the agreement "your mortga...
- If your name is on the mortgage or et all yes you are responsible. Regardless of whether he made payments at all you are responsible. Have you contacted your mortgag...
For Sale Sign Now or Wait
Asked by J.R. from Saginaw
on March 3, 2008
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We bought our house with full intentions of fixing up and selling, so we took out a 7 year ballon mortgage. We now have 1 year left and 90% of the work has been compl...
Answers
- I'm not sure what area you are in, but most of the nation is in a buyer's market. As a real estate agent, one main factor I look at when listing a home is the seller'...
- Hi J., we just moved in September and it took us 8 months to sell our house. We were lucky to sell it and things unfortunatly have gotten worse out there. You could t...
- J., This is my first time on here responding so hopefully i am doing this right. My husband and I have been in the real estate market for some time now. I would reco...
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...
Divorce and Problems Associated with It
Asked by C.J. from Tampa
on September 26, 2006
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I have ben divorced and a single mom now for almost a year. I used to work full time nights until about 2 weeks ago(now going on my 3rd) well I had a family friend w...
Answers
- How about selling the house, would this be an option ? Maybe working the night shif and just having someone sleep over with the kids? Any family member close by?I feel...
- hi,im not sure why you pay so much i childcare i have 3 and it would cost me max 1400.00 a month thats half of what you say you were paying.. as for the house im not s...
- As far as the house is concerned, you cannot force him to pay the mortgage. If you keep it in his name and he doesn't pay, the mortgage will go into default and event...
Excell Mortgage Broker or Lender Needed for Condo Invest from ARM to Fixed Rate
Asked by C.S. from Washington DC
on July 18, 2008
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Can anyone recommend a great mortgage broker or lender who may have some good packages in these rough times of lending. I have a condo investment that I bought 5 year...
Answers
- Felicity Dean has been wonderful. She has been helping us buy a house. It is nice to get updates as things happen instead of being kept in the dark. I don't understand...
- Hi C., I am currently a loan officer for SunTrust Mortgage. I have been doing this for quite a while and have seen some strange situations of which I have helped a...
- I love my mortgage broker, Rafael Villavicencio with Potomac Mortgage Capital in Herndon. His phone number is ###-###-#### ext 113. Or you can email him at ____@____.c...
Debt Consolidation
Asked by M.T. from Austin
on March 22, 2011
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I am looking for a legit debt consolidation company I reall need to clear my credit so I can refinance my house
Answers
- M.: DO NOT use a debt consolidation company!! If you are going to refi your home - use the equity - if any and bundle it together - DO NOT USE a debt consolidati...
- Sorry, I can't answer your question, but I was just wondering if you've ever heard of Dave Ramsey? I can't even tell you what an enormous difference he's made in our ...
- It will take much longer to improve your credit after using a debt consolidation company. Your credit will improve quicker if you can demonstrate restraint and accele...
Home Loans
Asked by S.S. from Lawrence
on July 27, 2010
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We were thinking about refinancing our home to take advantage of the low interest rates. However after speaking with a few lenders came to the realization that our ho...
Answers
- You did not say how long ago you purchased your house. A lot would depend on this. I don't have any experience with FHA loans but we have refinanced twice. If FHA l...
- Not sure why this is so complicated to understand. I think a lot of the responses are accurate those are closing costs. You can either pay them up front or not. If ...
- One thing to ask the loan officer in advance, because they may not disclose this until you are signing off on it all, is about all the bureaucracy that goes along with...
Foreclosure
Asked by S.P. from Birmingham
on July 28, 2011
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We are current on both 1st and 2nd mortgage payments but starting soon the 2nd mortgage payment triples. It is going to be very difficult to pay it and we may be forc...
Answers
- No one tried to collect from me. I would suggest that you try to get some help from the many programs that are on the back of your mortgage statement. I think one of...
- Yes, they absolutely will collect the difference between what they were able to recoup from the sale of the home and the balance of the note. That is a standard pract...
- Please check into the new programs available for home refinance, short sale, and foreclosure. The laws recently changed so people's experiences several years ago are n...
