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Home Refinance Book Homepage
Reliable Home Refinance information
Which would be a better choice for a home refinance loan?
We're going to refinance our home for a 30 yr. fixed with Amerisave and aren't really sure which would be the best choice.On one loan we could get a rate of 3.875 %, 4.218 % APR, and total closing costs of $7,360 which we would want to roll back into the loan.The other choice would be 4.5 % rate, 4.605 % APR and total closing costs of $3,010 which we would roll back into the loan.And do you know if Amerisave is a reputable lender?We plan on keeping the house about 5 years, so which would be less of a loss, higher closing costs or higher interest?
Is it common for lends to ask for you to live in the house for a year in order to qualify for a refinance loan?
the lender says that if we do not live in the house that we have lived in for 5 yearsand are refinancing for a 1 year the loan will come do on demand.
Can a appraiser stop you from getting a refinance loan.?
I had a appraiser come to my house to appraise it. He told me I needed piers on my house. And he was going to recommend that they be put it. And if I don't put them in I would not be able to get the refinance loan. I don't have any problems with my house. I had my house inspected when I bought it there were no problems then or now. I don't have any cracks or anything that would look noticeable. I don't know what he is talking about. But could he stop me from getting this loan if I don't buy piers since I don't need them.no it's not manufactured it's a conventional loan. I don't know the value. But he said the value wasn't the problem.I don't need help getting a loan I have excellent credit. I want a appraiser to answer the question.
Who has the best refinance loans?
consolidation or mortgage refinance loans
Is a 1% origination fee tax deductible (with a refinance loan at 4.375% for 30 years)?
My credit union has a 4.375 % 30 year loan with a 1 % origination fee. Is the origination fee tax deductible? How does the rate sound compared to what a mortgage broker might be able to offer?Thanks.Thanks for the answers. I just got a rate of 4.50 % with no points.
Can the tenant purchase the house with a refinance loan?
For California, do both names on a mortgage refinance loan need to be on the house deed?
I am in the process of refinancing my property with my father. Since both of our names will be in the mortgage loan, do CA laws required him to be on the house deed or title too? He does not want interest in the property. If no, is it possible to ask the title company to just have my name on it during signing? If yes, can I look into a Quit Claim Deed? Thank you.
FHA refinance loan?
We are trying to do a cash out refinance and have already done the appraisal of our house. We are looking to do a 95 % cash out refinance and our mortgage broker suggested an FHA loan. It seems to good to be true. What are the downsides?
Should mortgage company legally charge me for cancellation a refinance loan after 45 days?
I signed a loan application on 1 10 09 for a refinancing loan and paid $300 to lock the interest rate. The loan officer say that we will closing the loan by the end of January, one day before the closing, he call and said that the under writer didn't get into my file because my loan was small and because the term of the loan. I told the loan officer that as long as we can close the loan by the middle of February. By the middle of February, there was no sign of a closing date, I've wrote a letter to cancel the loan. Within that day, they replied back and promise to closing the loan on Friday, February 27 at 12 00 noon. I show up for the closing and discover that the paperwork didn't get complete and they have move the closing to the following week. At that point, I told the loan office that the dealt is off and I want my appraisal to be forward to me. The officer mortgage company replied that I will have to pay $300 for the processing fee and will not get the appraisal as well as the $300 I have paid to lock the interest rate. Is this legal for them to do that. I want to take this company to court. I already wrote them a letter demanding them to return the appraisal as well as the $300. What is my chance of winning this case? Thank you.
Do I have to pay a PMI, MIP funding fee for a refinance loan?
Can you refinance loan for a rental home that you do not own?
I have bad credit I need a loan to purchase property. I have 2 properties that have been super for rentals and want to buy them. But how with bad credit?
Can all refinance fees be paid aside from refinance loan amount instead of adding them to new loan time frame?
Why will noone approve me for an auto refinance loan?
I have a decent credit score 650 700 , lived at my resident long enough, been at my job long enough almost 2 years and make more than enough money to get a loan. I have paid on the car for 7 months on a 6 year loan. The interest rate is over 20 % right now and have an excellent payment history on all my accounts credit cards. So far, most reputable financing companies have rejected me online. I will soon go to banks and credit unions. Any suggestions?
Why wont banks refinance - loan to value even?
Our loan to value is even and we are making the payments on a variable rate mortgage but we have tried for over 3 years and no bank will refinance or do a modification of our terrible loan. If the market goes up we could lose our house because the variable rate will raise our rates to a point we will not be able to afford. We are barely making it now and have applied and been rejected the government help. It seems like the government programs are only helping those that are in dire need which is all good. But people that have good credit are not being helped? The system is being reversed, I dont understand it? Is it because the market is so bad?
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