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| Question about :
Refinance |
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How can a person refinance after a bankruptcy year into it?
How is the best way to refinance or should I do a loan modification? An who would be the best place for this?
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Posted
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07/02/09 Total Answers
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Should I REFINANCE a construction loan to a permanent loan OR convert to a permanent loan?
It seems that interest rates are much lower for refinancing existing loans, as opposed to new loans. I have a construction loan which doesn't expire for a few months, would it be better to refinance the construction loan to a permanent mortgage or do a construction to permanent conversion loan? Which will get me a lower interest rate?
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Posted
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10/13/09 Total Answers
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Can my divorced wife refinance our jointly owned home?
We are recently divorced. Court gave her use of the marital home for 3 years. She is planning to refinance the home with her father as a co-signer. We jointly own the home. Can she do this?
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| By
fasjr1 |
Posted
on
02/18/10 Total Answers
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How can the average american refinance with the decline in home values and closing costs from the lenders?
There doesn't seem to be an incentive for the American who is making their mortgage payments on time, has no value in their home and can't refinance because of value and closing costs. Don't you think this problem is only going to get worse? I just see the housing market and economy not improving.
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Posted
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10/03/11 Total Answers
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What are my chances to refinance if my home to value has droped amost to even money?
Wife and I purchased the home a year ago for 475,000 and currently owe 423,000. I hate to say but because of a devorce we have to do something about the house. Is there any way to refinance the house to get a lower payment so the wife can handle the payments on her own? House prices have droped so much in our area that I'm not even sure if we owe more than what the house would now appraise for. Thanks for your help.
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| By
Keef |
Posted
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12/13/07 Total Answers
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What is the best way to refinance your home with a lower interest rate if your credit isn't the best?
I was wondering what is the best way (who to go to) to try and refinance your home with a lower interest rate. I have no clue where to go! The credit score is pretty low, but still need to lower monthly payments.
Serious answers only please and thank you!
It's not ME that didn't pay my debts...I got stuck with stuff from my ex husband...that's why my credit isn't what it used to be...thanks!
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Posted
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06/02/10 Total Answers
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What am I entitled to in a separation and refinance of mortgage?
My husband and I are separating and he wants to keep the house and refinance. If he does this am I entitled to half the equity in the house? He says he wants to do a cash out refinance and I will get half the money in the cash out, however the amount he is telling me I am entitled to is much less than half the equity in our house. I want to make sure I am getting my fair share in this and he's not trying to put one over on me.
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Posted
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08/07/11 Total Answers
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What is the best way to refinance an auto loan?
We just bought a car today with a high apr, we used the dealer's financing. We have a great credit history however our 'auto' credit score is lower than our overall score. What is the best way to refinance an auto loan? Is there a way for us to repair our auto credit score, if so, how?
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| By
Bella's Mom |
Posted
on
02/27/09 Total Answers
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How can you refinance a mortgage with no equity?
There are programs for people to refinance loans if they are having financial problems, but what about the rest of us? Are there limits placed on how much you can refinance?
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| By
Ramona |
Posted
on
06/29/10 Total Answers
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How long does it take to refinance a home?
So my fiance and I loaned his mother $10,000. She has to refinance her home and is paying us back when that is all finalized. Her house has already been appraised and she has done it before. Her bank says that she qualifies.
She is going into the bank on Monday or Tuesday to finalize thngs.
How long should it take to get the money?
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| By
Amber T |
Posted
on
09/10/08 Total Answers
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How do you refinance with the same company you have the loan through?
I have a loan through Wachovia for my truck. After a year 1/2 of having the truck the payments have become a strain, how or when could I refinance the truck using the same company? (I really enjoy Wachovia, they are great and have helped us before. I would prefer to refinance through them)
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| By
Mommy of Lily, Daisy, and Jayson |
Posted
on
02/06/08 Total Answers
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What are the financial requirements to refinance and release a co-signer?
Are there certain financal requirements that must be met in order to refinance without a co-signer?
But what are the tipical lender requirements?
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| By
REBECCA L |
Posted
on
04/13/08 Total Answers
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Any suggestions as to how to refinance when your upside down on a mortgage?
My husband and I bought a home from my husband's former employer for $160,000. The home appraised at $140,000. The employer co-signed and put up a $20,000 CD as collateral. We didn't have good credit and had to pay some things off, so the employer did that for us, so we owed him money. We paid him back with the loan, but now we have to refinance the home come January and we have not been able to afford to do any improvements on the home, and It will not appraise at what we owe on it. No one is willing to refinance 100% because of the negative equity, and I don't have the $15,000 plus closing costs to pay the differece. Not sure what will happen if we don't get refinanced. Can't sell either I would assume. Any suggestions?
Payments have always been on time. We can afford the payments. That has never been a problem. At the time, it seemed they were doing a nice thing for us. I've never bought a home before, and we were living in a mobile home that was older than dirt and falling apart, and I was desperate to get out of it. I had no idea this would come back to bite me in the ass. Seemed at the time they were doing us a favor, but now I see they took advantage of our bad situation. Of course I never would have agreed to do this if I had known that we would end up in a situation like this.
This is what was written about the CD:
AGREEMENT REGARDING PLEDGE OF COLLATERAL AND GUARANTEE
"Bank" is lending the necessary proceeds to "buyers" to purchase said property on the condition that the loan is guaranteed by the "seller", and on the condition that a Certificate of Deposit owned by "seller" is pledged as collateral for said loan.
It is hereby agreed and stipulated by and between said parties as follows: 1. To the extent that "sellers" are required to pay any amounts based on the guarantee, or on the pledge of additional collateral in the form of a CD, they shall be entitled to a n assignment of whatever security is held by the "bank" for the amount of said payment. 2. Any assignment made by virtue of paragraph 1, shall be subordinate to any remaining interest held by "bank". 3. If "sellers" are required to pay any amounts on the mortgage bu virtue of their guarantee, they shall be in the same position by virtue of the assignment as the "bank" and would then own all the
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| By
♥Sweet♥ |
Posted
on
07/01/06 Total Answers
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What is the best way to refinance my rental property?
We recently moved and because we were unable to sell our home, we decided to rent it. We were unable to refinance at the interest rate we wanted because it is now a rental property. We would like to lower our monthly payment, but have heard that many banks won't give you a decent rate on a rental. Any ideas?
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| By
runnermom |
Posted
on
05/10/10 Total Answers
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How do we refinance a home with a subprime loan that will be put into a trust?
Is it best to refinance in the trust or to sign the house over to a family member with better credit and refinance and then put into trust?
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| By
JT6+1 |
Posted
on
03/06/07 Total Answers
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What percent to refinance would be worth it?
My husband says we could maybe save money if we'd refinance our house. We currently pay 8% on our loan which is a fixed rate. Isn't there closing costs involved when you refinance at a lower rate? Would it really be worth it?? Since we'd have to shell out money to do it? We're not financial savvy. If anyone could please advise if this is a good or bad idea. Thank you in advance.
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Posted
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09/22/09 Total Answers
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How long after bankruptcy shall I wait to apply to refinance my mortgage?
I filed for bankruptcy in 2004 and I have been paying on it for so long now that I have a chance to pay it on out. I have about a year left to go if I don't pay it on out. I want to refinance my house. If I pay my bankruptcy and my case is discharged, how long shall I wait before applying for a loan to refinance my home?
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| By
Penny |
Posted
on
03/07/08 Total Answers
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Is it possible to refinance a car? Even when the state keeps your title for the current lender?
Someone told me that it's possible to refinance a car. But North Carolina State destroys your title until it's paid off. Can I refinance my car without my title?
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| By
Big Joe |
Posted
on
01/09/08 Total Answers
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How long after a discharged Chapter 7 bankruptcy can I refinance?
Hi,
The 2-year ARM on my home mortgage (two mortgages) expires August 2008 (home purchased August 2006). However, I filed a Chapter 7 bankruptcy in 2007 (discharged in July 2007). Will I be able to refinance this year? I've heard that Ch. 7's are different from Ch. 13's in terms of the refinancing waiting time.
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| By
prettycre8ive |
Posted
on
01/30/08 Total Answers
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Is it possible to refinance your mortgage to get caught up on bills and late mortgage payments?
we have tried twice to refinance our house through a bank in order to get caught back up on the mortgage payments that we are behind and to do some home repairs, etc however we keep being told no because we are in fact behind several house payments. Is there anyone out there who will refinance you in a situation such as this?
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| By
Donna C |
Posted
on
08/27/07 Total Answers
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How soon after I get a car loan can I refinance with another lender?
I am in the market for a new vehicle and I'm thinking of financing through the dealer in order to get the "best" deal. However, I really don't intend to stay with them and plan on refinancing through my own bank. My question is: how long do I have to wait until I can refinance, if at all?
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| By
newtobigd78 |
Posted
on
01/03/08 Total Answers
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What is the best/easiest way to refinance my car loan?
I have already contacted the company who loaned me the money in the first place they say that my income is insufficient and that my debt to income ratio is too high. The crazy part is that I earned less money and had more debt when I first bought the car!!! So what's the deal? Did the crooked salesman pull a fast one on the lender or what? Why can't I refinance now? What lender should I try next?
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| By
Smelvin |
Posted
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03/09/09 Total Answers
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What are the different between refinance and cashout refinance?
Let say: my property value (single family) is $250k and current loan is $150k. how much do i cash out or qualify to cash out refinance? income and credit are ok to buy a house up to 300k.
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Posted
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09/30/09 Total Answers
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How and when can you refinance a auto?
Is it a good practice to refinance a car or truck. I recently purchased a home and the payment is somewhat large. I was in need of transportation before I purchased the home. I was thinking It would hinder the mortgage process if I bought a new vehicle before the house. I want to know is it worth refinancing the auto to make my money and budget work out. I did not buy this auto just to be buying, I bought it because of need and the condition of my 92 van is horrible. There is no heat and many other things.
Any advice is appreciated.
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| By
jawsnu7 |
Posted
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12/14/06 Total Answers
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What if he doesn't sell/refinance the house by the time he agreed to in the divorce papers?
Okay, I have been divorced for about 2 years now. In the seperation agreement, my ex agreed to sell our house ( that both our names are under the mortgage ) or refinance it within 3 years. With only a year left, I have a sinking feeling that he will not sell/refinance in time. What should I do if this happens? Since he signed court paperwork agreeing to sell/refinance within 3 years, do I need a lawyer? Attorney? Any help would be appreciated, thanks!
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| By
SeattleGal |
Posted
on
04/16/10 Total Answers
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| Question about :
Refinance |
Page : 1 2 |
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