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Home Refinance Book Homepage
Reliable Home Refinance information
Anyone with advice on how to refinance a home loan?
Our two year mortgage is going to expire and is going to increase with percentage ratee, which could kills us as we are already house poor. We're also trying to sell our home right now so how would a refinance work with this.
Any suggestions on how to refinance an ARM mortgage to a fixed with lower interest?
One spouse has poor credit, while they other, although has decent credit, is self employed and can not show pay stubs. The tax documents don't work due to write offs for the business that have the income level low.
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
Who & how to refinance my timeshare?
want to refinance timeshare apr % high, not a homeowner, can't find anyone. timeshare is in las vegas. possibly also take money out to consolidate..
Anyone know how to refinance a home with a low credit score?
Does anyone know how to refinance a car in your name? I need to, but I have no credit...?
About two months ago, my car that I bought from a private owner didn't have to be financed broke down, and so I decided that it was about time to look into a new one. I went down to the car dealership with my mother and picked one out. I planned on having her co sign on it for me but it turned out that together we didn't make enough to finance it so we called my stepdad and instead of putting it in mine and his name, we put it in his and her name. Worst mistake of my life. They use it as leverage against me like they'll take the keys if I don't do what they say . I am now looking to move out of their house and they told me that to do so, I had to refinance the car in my name or I didn't get to keep it keep in mind that I AM making the payments, paying the insurance, the gas... everything in that car is there because I personally paid for it . So I need to know how to go about refinancing the car in my name with no credit so that I have transportation to and from work.I would really love to do that, but we live in an area that doesn't offer public transportation. I really did think about doing just that. i had talked to my sister and she was like " they aren't gonna let you keep the car" and I was like " then who do they expect to make the payments? because they are BARELY getting by" she was kinda silent for a minute and she was like " I honestly have no idea what they plan on doing" So, I'm not really sure. Not to mention it is a VERY pretty car although if need be, I could just get a new one... but I really wanna be able to do it the right way, you know?
How to refinance a car with bad credit?
I have a car payment that's over $400 a month because the loan has a high interest. I have bad credit and can hardly afford this monthly payment. Is there any way I can get out of this without having to give up my car because I need a car to get around?
How to refinance my loan and car loan?
i have a personal loan and a car loan out i just got my car.. like 2 weeks .. and i got my personal loan a year and half ago what can i do to get them all put into one big loan do i have to wait until i have my car for a year? i just want them all to be in one payment.. what can i do ?
How to refinance my car with bad credit?
I had a vehicle that was finance thru my bank because i was one moth late on the payment they pick up the vehicle. got in contact with my bank was told the only way to get the car back is to refinance my car. does anyone have any suggestion how to do this. been going on the interent so far nothing at all.
How to refinance with bad credit, late payments?
ok here's the deal..my husbands work has slowed greatly yes is do work, smaller check wont cover bills we have low credit scores in the 500's and have 4or 5 late payments here in these last few months..we are struggling espically with a baby on the way..i just want someone to talk to me and work with me, i have contacted my mortgage co homecomings and they keep telling me to call back the next month and the next month etc.. so i have given up on them helping me..what do i do? where do i go from here? i dont want to file BK nor foreclose..please someone help
How to refinance my home?
where and what number can i call to refinance my home when my job salary went down.what is the first step, or what do i do?
How to refinance if you are one of the ones who bought a house at a high rate?
where to take advanatage of all of the talk about helping home owners who cannot afford morgages
How to refinance a home loan and a second loan together?
we have a fixed rate on both loan however they are a bit high due to the fact we didn't have a great credit history. That situation has changed and we are looking to get a lower rate and combine the two payments into one. Any type of advise on what to look for and ask for would be helpfull Thanks
How to refinance my car?
im a student, with a part time job and other miscellanious things that i do to make money. anyways, i was able to buy a car in my name at 14 % and now i want to refinance. ive done a couple of applications and they both say that i need to make more than $1500 month in order to apply. if this is true, how did the dealer give me a car and what options do i have to refinance. i bought my car a year ago and i don't make as much money now because i'm a student. i also live at home, so i don't have a mortgage. I am able to make my monthly payments though.
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