home lenders refinance mortgage

September 30, 2010

Does yahoo watch for them and block them or something?

Filed under: Personal Finance — Tags: , , , , , , , , , , , , , , — admin @ 2:43 am
pppppffffttt asked:


Are these scams too??
i asked about car title loan places and i get these, whats up for real w/ them?

Hello I am Mark Maxine by name, the (MD) of Mark loans venture i am a Reputable, Legitimate an accredited money Lender.I give out loans to Individual and companies in need of financial assistance.Do you have a bad credit or are you in need of money to pay bills? You can use this medium to solve all your problems as i render reliable beneficiary assistance and will be glad to offer you a loan at 3% interest rate. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *Horse Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans Please write back if interested. Upon Response, you’ll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You reach us via e-mail:mark_maxine700@yahoo.com

7 hours ago
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Hello,
I am Frank Petti by name, the C E O of Petti Micro finance, i am a Reputable, Legitimate & an accredited money Lender.I give out loans to individuals and companies in need of financial assistance.Do you have a bad credit or are you in need of money to pay bills?
You can use this medium to solve all your problems as i render reliable beneficiary assistance and will be glad to offer you a loan at 5% interest rate.
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*House Loans
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans
Please write back if interested.
Upon Response, you’ll be mailed a Loan application form to fill.
(No social security and no credit check, 100% Guarantee!)
I Look forward permitting me to be of service to you.
You reach us via e-mail:info@pettimicrogroup.co.cc

office number, 00233-28-52-52-676,

(C E O) Tel-+233-24-82-40-801,

Fax-00233-217-134-43,
5 hours ago
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thanks guys! i kinda figured but you know, desperate times….how sad they prey on down and out people!

Margaret

What happens with foreclosure in WA state?

Filed under: Renting & Real Estate — Tags: , , , , , , , , , , , , , , — admin @ 1:01 am
howcrazy asked:


We live in WA state and I want to know what happens with foreclosure here? To be more specific here is my situation:

Septmber 2005 We did an 80/20 and purchased our home new.
The morgage was sold off several times as lenders often do…
February 2008 We refinanced our 1st into and FHA loan and subordinated the 2nd.
AS of Now we are 30 days past due on our second.
On our 1st it was sold off as soon as we signed and we are with Wells Fargo and it is an FHA loan…we were 3 payments behind (shy of 90 days) and so we are now on a repayment plan where you make 3 payments and then have a baloon payment due, but you end up doing a modification after the 3rd payment to basically start your loan over. We made the first two payments of the payment plan, but have not made the 3rd and are about to break the payment plan…they told us as long as our income was more than our outcome we could requalify for a new repayment plan however talking with my husband we are considering some other options…

My husband was laid off work, and now they have him back, but it will be about a month and a half before they can put him back on salary and back into the income we are used to and back on track with our morgage, but after looking around and checking the facts we think it might be better to leave our house and rent…we know that we owe about 30K more than our home is worth with the current market…also we found several houses similar to our own but to rent we are looking at paying $1,200/month instead of the $1,800/month we are paying now and also the rental homes are in a better area and are not townhomes, but single family residents with yard and so on and also a landlord to take care of severe maintance…we are VERY clean people and have no pets and take care of things…we are not gross people. I know we will have to have a deposit and so forth and we are hoping to be able to find someone to rent to us with our credit now less than perfect due to the time my husband was laid off…but what will happen to our current home?

*Can the lender take us to court to get the difference between what we owe and what they are able to sell the house for after they foreclose on us?
*When we leave can we take the refridgerator and washer and dryer and other things we brought into the house?

(I know we will have the foreclosure on our credit for 7-10 years–I will be 30 when it comes off…we had perfect credit before this so kind of a bummer…good news is we do not need to buy another vehicle or change our insurance or look for a new job so we will have to let our credit recover back to how it was before… but with the fact that we can rent a house better than ours for about $600 less per month and not have as much maintaince to worry about it just makes more sense…especially considering that my house is worth far less than we owe now).

Please let me know if you have gone through this or you work in this industry…I know that when I searched google I found that it said both…some places said we would have to pay the difference after they sold and some said we would not…

Thanks for your time!

Mario

September 15, 2010

Can I be removed from the mortgage I share with my boyfriend?

Filed under: Personal Finance — Tags: , , , , , , , — admin @ 3:26 am
dani asked:


I have a contract on a home and we’re supposed to close in one week. My boyfriend and I are both on the mortgage loan. I tried to get the mortgage broker to switch it to just be in my boyfriend’s name, without me involved. Well, he dragged his feet and today told me to do so would take another 21 days which would put us behind on closing and my bf is pressuring me to get over it so we don’t have to postpone. So, My question is, if I am on this joint mortgage loan with my bf, and something bad happens between us and I want out of the relationship, what can I do. I’ve heard I can have my name removed from the loan so that the lender can never come after me for funds in the future? is this true? Is it expensive/complicated? Or is the only option to refinance the mortgage just in his name? What is the process for this? Thanks for any help. I feel stuck between a rock and a hard place. Want to know my options should something go wrong with us… Thanks :)

Pedro

September 8, 2010

FHA Home Loan Options For Refinance Or Purchase

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 10:00 am
Jeff Moran asked:




There are many FHA home loans that offer benefits for both refinancing and buying a home. Years ago, FHA mortgages were only considered for first time homebuyers. While FHA loans are great for 1st time homebuyers, they are also good mortgages for refinancing and purchasing.

One notable feature of a FHA mortgage is that they are available for borrowers with less than perfect credit. FHA guidelines do not use credit scores as the primary function for underwriting like most conventional lenders do when considering qualifications. Consumers with low fico scores, even past bankruptcies being reported by credit repositories, like Tran Union, Equifax, and Experian.

Most FHA lenders underwrite and approve home loans based on debt to income ratio and the proposed borrowers ability to repay the mortgage. Another benefit for government lending is that lenders and brokers assume very litle risk because our HUD insures FHA loans against defaults.

With FHA loans, you will be obligated to document your income, employment and provide letters of explanation regarding any late payments and derogatory credit. If you need cash out, the FHA lender will want a letter explaining how you intend to use the cash.

Any way you look at it FHA loans have become the recommended option for borrowers with no equity to refinance. In addition homeowners with poor credit scores will be advised to consider FHA mortgage loans because there are very little subprime options available today and the few non-prime options out there typically carry high rates with excessive pre-payment penalties. FHA mortgages don’t have pre-pay’s and the mortgage rates with FHA remain low compared to subprime or non-conforming rates.

Edgar

September 6, 2010

We are going to lose our house.what can we do?

Filed under: Renting & Real Estate — Tags: , , , , , , , , , , , , , , — admin @ 9:02 am
lady_bella asked:


We are again trying to refinance our home. Just after a couple of months, the comp value (hearing this from a lender), went down again another 50 grand.

I heard that Bush signed a Housing Bill. Who the heck is this suppose to help? And what does this entail?

We are on an ARM right now and when we got this loan, it was only because we were under the understanding, and reassurance that we could refinance to a fixed rate. Now we can’t.

If this ARM on our house takes place, we cannot afford the fluctuating pmt. And God only knows what kind of pmt it will be. And it will start to take affect in January.

I talked with my dad tonight, and he read somewhere that ppl are losing their homes all over because of this. He also said that he read somewhere that some ppl are buying second homes, and walking away from their first because of how the housing market is. How is that possible?

Is it possible to walk away from one house, and buy another?

This is really straining and emotionally draining on my husband and I. Not to mention putting a damper on our relationship. How can we get through this? How has anyone gotten through this?

Help please…any advice will be welcomed. Thank you.
Thanks to everyone who has extended such kind words and who has sent me a personal message with extra detail info. I really appreciate it, and I wish there was a way I can give ‘best answer’ to each of you, as you all have great advice! God Bless you all!

Anthony

September 5, 2010

If I dont pay my mortgage moratorium, will my lender foreclose on my house?

Filed under: Renting & Real Estate — Tags: , , , , , , , , , , , — admin @ 5:23 pm
Sand’N'Sable asked:


First, I am not currently in default on my mortgage. We have just had a really hard time paying it each month. So we applied for the Making Home Affordable Refinance program. After months of faxing in paystubs and harship letters..etc, we finally got some news today. They sent us a Moratorium Letter which says that we have 4 months to not pay our mortgage, but then we are “supposed” to pay the balloon payment. The Wells Fargo rep told me that 99% of people CANT pay this so they tack it on to the principle and work something out then.. Please help. Should I accept this moratorium??

Sean

September 4, 2010

I am thinking about just walking away from my home?

Filed under: Renting & Real Estate — Tags: , , , , , , , , , , , , — admin @ 2:36 am
I love rain and alcohol! asked:


I live in a old house that is falling apart. We just refinanced for the third time about 7 months ago. We owe 100,000 for the house and it is only worth 50,000. We pay 1,100 a month in mortgage and we really can not afford that. They just raised our payment up 200 on a 7% fixed rate. We do not want this house anymore, we do not want to negotiate anything. We found something for rent for 400 bucks a month so we will rent that. If we just walk away from our home will they be able to seek a jugement against us? We live in the state of Missouri but our lender is from Florida. Our lender is Taylor Bean and Witaker. Will they garnish our wages? If so how long will it take for them to start garnishing our wages? Will they send us something in writing before they start garnishing our wages so we will have a warning? Thanks for your answers!
I have had this house five years. We refinanced thinking that we will get a lower fixed rate, but that is not how it happened. They told us our ARM was about to go up so like fools we signed into this contract. Our payment was only 20 dollars lower now here it is seven months later and they said our taxes and insurence went up which raised our payment 200, which I think is unfair. We received 750 at closing.
These people also charged us 450 at closing for an appraisel which I did not see happening.

Debra
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