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Home Loans
Reliable home loan and mortgage information for home owners.
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US $2,500.00
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US $35.00
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How to get leads for new mortgage and new refinances?
I need to find a company to get leads for people with new mortgage or who just recently refinanced. Also, I need to have the loan information such as for how much and the lender as well. Thanks for your help
NYC will not subordinate its position on my mortgage. I can't refinance my mortgage unless I pay NYC first. n?
I must come up with the balance of the NYC grant $30,000 and then I can refinance. Is this fair?I am not trying to take tax payers money. Period. During closing, I was told not to worry about the grant as long as I agreed to stay in the house for 25 years.
Mortgage refinance worth the effort?
My current Mortgage rate is 5.025 % and current rates are as low as 3.875 % looks tempting but I'm concerned that points and closing fees will make the refinancing about as expensive if not more so than leaving the loan as is. My question is how high are these fees typically and at what point will it save me $ to refinance?
Can I put my house up for sale if I am under the 1 year occupancy clause of a refinance?
I refinanced my house 9 months ago. I may need to move before my 1 year occupancy restriction expires. Can I sell this first house prior to finishing the 1 year of occupancy? Can I put the house on the market and just not actually 'close' on the house till the 1 year expires?This is a refinance and not a 'modification'. I got better terms with a shorter period 30 down to 20 years . Which is why I did the refinance at that time. Now work may force me to move prior to the mentioned 1 year of owner occupancy clause. With the answers provided so far and my own continuing research, I think I can start the process of selling the house in another 2 months. I just can't actually 'close' on a deal prior to the end date. I will ask a realtor as well, as I would think they have run into this situation before. Anyone have other suggestions?
Will this company refinance me another loan if I still owe them for a previous loan?
A car rear ended me about 3 weeks ago. By the state law it was the other driver fault. But my insurance company went ahead and totaled out my car. At the time of the accident the other driver said he had insurance but couldn't provide proof of insurance. So my insurance company paid off the value of my car which was about $8000, but the loan on the car was about $13000. That leaves me with about $5000 to pay off. Now I am left with that to pay off and no car. I was wondering if the same finance company will finance me for another car even though I still have owe them? I am willing to still pay the $5000 but I need another car now What can I do? And also I was never late with my payments.
Wondering if I should refinance?
as the title suggests, I am thinking of refinancing and wondering if it'd be worth it. i've been in my house since 2008. the price was $145,000 but got a grant that i do not have to pay back for $20,000 so my loan was for $125,000. the current value is $140,000. my interest rate is 5.75 %. im trying to refi for lower monthly payments. any suggestions? thanks
Need help to refinance my double wide mobile home with land?
I have tried to find someone to help me to refinance my double wide, with two acres. no one will help me. Anyone have any advice.
Should I refinance my home with Harp or wait for my ARM to re-adjust?
Hello, recently I contacted my bank Suntrust to see if I can refinance under the HARP program. I was qualified and they were quick to send me a good faith estimate as well as all the refinance documents. Currently I owe 155k with a 6.75 % 5 1 ARM set to readjust this October on a home in Florida that is worth 95k. The proposed refi was a at 4.5 % on a 30 year fixed loan. The closing costs were about 5k dollars totaling my new loan at 160k at a savings of about $300 a month. My question is should I tough it out and save on the refinancing cost and keep hopes that I could get a better rate when my arm re adjusts in 8 months? Or should I play it safe and refinance now? Thank you for your professional advice.
What is a good company to refinance my home with?
Any suggestions would be appreciated. My current rate is 5.0 but I know rates are much lower now.
My bank denied a renegotiation and I cannot refinance. What are my options at this point?
The bank said my mortgage was an acceptable percent of my income, and apparently other expenses aren't given as much weight. The adviser I was working with mentioned a short sale, but to be honest I was too much in shock during the phone call to question him about it. I looked it up online, and it doesn't seem very promising. So are there other options? Keeping the house is the most preferable. Just not sure what to do, they made it sound like they would be able to do something. Please, none of the " you brought this on yourself and deserve it" responses. You don't know my specific situation. I'm just trying to provide for my family and keep our home. If the state matters I live in New Jersey.
Want to Refinance! Don't know where to start?
We are with a horrible mortgage company. Seterus Inc. They actually dont refi at all. We would like to try for a lower interest rate and get away from them. We are currently at 6.625 % and have lived here for 5 years. What is my BEST option. Fannie mae owns our conventional loan. I dont know anything about this and wells fargo hasnt been much help either. Please help I dont know what to do. We also need a new vehicle and I dont want to try and get an auto loan if we are going to hopefully be able to refinance.
Rental Business: Refinance VS new purchase - Mortgage Broker's fee is the same?
Hi All, Assuming I'm working with a mortgage broker, not the bank directly, then if I purchase a new say duplex does the mortgage broker get the same fee as when I refinance an existing duplex just transferring mortgage from one bank to another through him of his choice ? Which one is more work for the broker refinance or new purchase? THANKS
Refinance options available?
We get a log of junk mail about refinancing and other verbiage like government reduction program . I tried going through my current lender for a renegotiation and we got turned down for every possible course of action they could do tells me they have strict regulations, and basically we don't fit into the mortgage gross income ratio . We are still having trouble making payments, but haven't missed any yet. They first wanted me to do a traditional refinance, but are in the typical situation where we borrowed on the equity and our home price has plummeted, so we owe way more than the value of the home and have no equity to use plus have a HELOC .So are any of these offers actually legit? Is there a way we can get into another mortgage through a different lender with better rates? We have a 6.85 % rate right now, and if we could get into a mortgage with some of the low rates we could save a bit, and someone else can profit from us. I just need a lender that would be willing to accept a mortgage where the amount owed is greater than the value of the home.No spammers please. Ideally I would like to hear from a real homeowner that managed to do this.So to address some of the responses, the HELOC has a balance and any traditional refinance options I assume would include rolling that into it. As for my current lender, they told me they have a " waterfall" of options where they go down looking at the first and if they can't get us in it then move to the next option, etc. Apparently we don't qualify for anything, including a rate change. They are willing to do a short sell so in other words lose the house . I don't know the specific requirements they must abide by.
Refinancing mortgage?
I am new to refinancing my mortgage.I've contacted a direct lender company who does not charge me closing costs if I decided to refinance again from the same company i.e., second and subsequent refinancing . The person I spoke to said that I can refinance the mortgage as many times and as frequently as I want, and I don't need to pay the closing costs. The interest rate is the same as other lenders.I then though that it may be a good idea to start off with 5 to 7 year ARM with a lower rate and switch to 30 or even 15 year fixed when the interest rate goes up. If the interest keeps going down, I just keep refinancing the ARM.Are there any potential problems in doing that, except my mortgage term being reset at each refinancing? Any advise?Thank you so much in advance
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